Reference Implementation

Open standards for digital payments.

A live demonstration of how compliant payment flows work in practice — for the institutions processing them, the businesses accepting them, and the people sending money.

Live Test environment
Open Standard & source
Free To use and integrate
Choose your path

Who are you in this transaction?

Pick the role that matches how you interact with payments. Each walkthrough shows the full experience from your side.

About this

Not a product. Infrastructure.

This demonstration is maintained by the Fabric Payment Standards Foundation — a neutral, non-profit organisation that governs the open payment standard behind everything you see here.

No company owns it. No vendor controls it. Anyone can integrate it, audit it, or build on top of it. That is the point.

If you want to understand the technical specification, join as a member, contribute to the standard, or support the foundation's work, the links below will get you there.

How we work
  • 01Infrastructure, not products
  • 02Neutral before innovative
  • 03Clarity over persuasion
  • 04Built to last, not to trend
  • 05Trust, earned — not assumed
Foundation resources

Everything in one place