Industrial and Interbank transfers transaction type's

AVIS Bank will process payments for:

1. Large construction payments
2. Franchise investment payments
3. Country debt payments
4. Large Credit Card payments


The reason is, we as the AVIS Group are able of processing high-volume cash transfers is based on the fact about the Group capability and with its franchise partners have made by numbers of central banks applications for the capital importation in billions into the host countries Central Banks. The funds are used for the finance and payments of high volumes invoices for green industrial parks constructions. These Central Bank high volume cash transfer approvals and 400 "nostro" account facilities are fundamental for high volume cash settlements. The Central bank's accounts and multibanking networks are connected to the AVIS Bank servers by SWITCH's and multibanking. (AVISPay) 

In addition to the AVISPay system developed by AVIS Fintech PLC, we as group developing the Victoria financial HUB

The transferred funds are ending up in a new client / franchise account at AVIS Bank and an agreed portion will pay the invoices for the ongoing constructions


The sender must accept the commercial transaction conditions of AVIS. Means, for example the sender need to transfer 1bln from example Deutsche Bank, in such event he must first purchase construction and / or equipment for 1bln at the marketplace. The marketplace will create an invoice required for clearing of the funds, and

The sender must become a franchise member to AVIS and must maintain a good standing AVIS Bank trading account. Means together with the equipment the sender must purchase shares of AVIS and pay the trading account fee


The sender must first open an account at AVIS Bank, where 100% of the transferred funds will be accredited. The agreed portion will be immediately used for the project payments. 

In principle, all intended transfer transaction considered by us as standard high-volume commercial constructions invoice payments for converting off balance funds into commercial funds. However, each transaction has its own particular conditions. It is a basic requirement providing all relevant documents, for validation, AML and for selecting the right transfer formatting and processing. 

Download fill and upload the required documents into the profile of your AVIS Bank account.

1. KYC

2. Source of funds declaration

3. FX franchise contract


The transfer of all huge financial resources of the world is done by servers in virtual banking. E-Banking, in which the server is connected to the common account of the bank, is used in server method.

The currency transfer method is done by servers that the money from the common account of the Bank is entered into the receiver’s common account, and it is uploaded or downloaded by the sender or receiver’s officer.

In the IP/IP method, the entry of the currency into the receiver’s server is uploaded. In the IP/ID method, the entry of the currency into the receiver’s server is downloadable. In the StoS method, the currency exchange is run in the form of a launcher with Windows time which was sent by the receiver’s officer who has a full control on his server. This method is less secure because it may not be possible to place the box or capsule on the server line when it is launched.

When the transfer of currency has a very high volume, in other words, it is considered to be the backbone of the currency exchange, due to the fact that the receivers cannot upload or download the money of the Fund, this action is carried out by the Fund’s officer, who is the Head officer of the server in the world’s prime banks, and the server line of the receiver must be open. There must be no obstacle on the path of the server’s money transfer, so numeric characters can easily be replaced and sent to receiver’s server as good as possible.

The differences

In the IP/IP method, all the necessary facilities are sent to the receiving Bank for conversion of the box or capsule into the currency.

In the IP/ID document method, the money is provided by the receiving Bank, and only the perfect money and numeric characters are sent by the sender. 


Sometimes currency exchange procedures can be carried out by DTC (Digital Transfer Central). In other words, it is transferring currency to the central bank’s common account.

Sometimes the method of transferring money is Ledger-to-Ledger, Officer-to-Officer or Bank-to-Bank. In these ways, the sender and the receiver have no role in arranging the contracts and essential guarantees, and only the officers of two banks communicate with each other. Furthermore, all stages of the currency transfer are carried out from A to Z.

All banks (or companies) must have the following features to receive currency:

The server connected to the common bank account.

The server’s Head Officer or an officer who is familiar with downloading or uploading the server’s currency.

Licence and authorization of the money tasers inside the server band. 

The amount of the accepted input currency.

Basic knowledge and problems with IPIP, IPID, SEPA, FX4, DTC and others

I would like to clarify about the various transfers, by many intermediaries unfortunately have no idea in the field of the high finance and do not know the background of these transactions.

Many of these ridiculously high sums come from PPP and are available on bank servers (NOT on accounts!). The reason for this is simple -> parts of these funds are to be invested in humanitarian projects, but the owners do not have registered or accepted humanitarian projects, which is why the bank cannot put the money on their account. The use for human. Projects will be e.g. strictly tested by the FED and regulators.

So, the owners are looking for a way to get the funds free. Often this is done through foundations. Every banker knows that we are in a gray area here!

Since we are in a gray area, we are ALL (you too!) obliged to secure us completely!


This always happens when both bank officers discuss and check the deal directly.

It is always to check from both BO:

1. complete KYC (protection for all of us)

2. Proof of funds and deal

3. The procedure MUST be discussed BO to BO (often transfer times and codes are to be considered) 

4. Very often, unrecoverable mail accounts have to be created to send important codes

5. Performance guarantees are communicated through these accounts 



Bank to bank is mandatory, as both BO have to clarify the TTM for the transfer. The bank officers have to send code and counter code. Without TTM, an IPID is not feasible, as both BOs have to sit at their computer screen desk at the same time.

Both have to pre-agree on capital use conditions and respect the AVIS green investment requirement 

Both have to agree on various explanations -> e.g. execution guarantee / tax burden / release of the money must be guaranteed

The transaction itself takes only a few seconds.

Each sender must be aware that the receiver has very high costs (taxes in each country) and bank fees to pay. The total cost of the receiver (!!) in Hong Kong is e.g. about 35% ... in other countries even much more.



At DTC it is very often a matter of state funds or government funds. From this we can see that the actual banking system also has the states under control.

The transmitter sends - the receiver is liable! 

Again, editing without the direct contact of both bank officer is absolutely impossible.



The system was actually abolished by Deutsche Bank. Nevertheless, AVIS can still use it today and have an account (in Germany) for use.

1. KYC is absolutely necessary

2. Contact BO to BO is absolutely necessary

3. It is not money, but files sent and decrypted by the recipient again!

4. FX4 is not necessary in many cases - there are often better ways of transfer 


SEPA Direct Dept:

SEPA has 2 ways

1. Normal SEPA = simple direct debit authorization - immediately feasible

2. Business SEPA is much more complicated

- must be applied for at the bank

- immediate credit

- receiver have to be creditworthy and must have very high credit limit

- possible bankruptcy must be clarified

- Bank is liable 

- very big effort / duration 2 weeks 

- only B2B feasible

- receiver could lose his account

- tax liability of the receiver in the country

- In some countries (Europe) to observe negative interest rates

At SEPA business, AVIS MUST protect himself from fakes. Therefore -> KYC and proof of capital absolutely necessary!



All formattings available

SWIFT gpi combines domestic real-time payment networks to deliver cross border payments almost instantly and without the restrictions of bank operating hours. Each transaction is assigned a Unique End-to-End Transaction Reference (UETR) that payment providers can use to trace the transfer from start to finish.


Real Time Gross Settlement or RTGS is a funds transfer mechanism where transfer of money takes place from one bank to another on a “real time” and on “gross” basis. The RTGS system is primarily meant for large value transactions. The minimum amount to be remitted through RTGS is 2 lakh rupees with no upper limit.

Settlement in “real time” means the transaction is not subjected to any waiting period. The transactions are settled as soon as they are processed. “Gross settlement” means the transaction is settled on one to one basis without bunching with any other transaction. 

Considering that money transfer takes place in the books of the Reserve Bank of India, the payment is taken as final and irrevocable.

RTGS transfer system is available on all days of the year. 

Offline, Online, Force Card Payments including B2B transfers

Offline debit cards work in a similar way as traditional debit cards but can also be compared to the process of writing a check. An offline debit card transaction creates a debit against the cardholder's bank account with delayed processing and only requires a signature rather than a PIN number.

Offline debit cards are issued by banks in partnership with a card network processing service provider such as Visa or Mastercard. These cards are associated with a customer’s bank account and are used for payments and are vailable for making withdrawals or deposits from an ATM.

Force/Offline Transaction

An offline or force transaction is a transaction for which the merchant services only received an authorisation number, usually 6 digt. The credit or debit card information is stored along with the order through a computer network or point-of-sale terminal (POS), such as a credit card machine. The previously authorised transaction can subsequently be settled and the merchant account can receive the funds.

Payment Processing Services by AVIS Bank

AVIS Bank provides with AVISPay a industry leading online payment processing services & risk management technologies. Designed using AVISPay, “Simply Switch On”, approach to payment processing, our payment solutions are built using the latest payment processing technology enabling businesses to “Plug In” and “Switch On” payment modules with ease if and when required.

As a leading Payment Service Provider, you can trust AVIS Bank to find the right solution for your business. We provide everything in one simple agreement – your Internet Merchant Account, Payment Gateway and Payment Processing with all the leading cards issuers. Combined with AVIS’s industry leading fraud & risk management solutions, merchants can be confident managing their payments safely and securely from beginning to end with AVISPay.

AVIS B2B Connect

is a non-card based payment network that enables seamless bank-to-bank cross-border business transactions. The system makes payments available where geograpically exiting hurdless and politicially or bank technology are outdated or maintain barrieres for moving large payments. 

AVIS B2B Connect is built on AVIS's capabilities and formidable core payments experience with distributed ledger technology by VISA, MasterCard and othr gateway systems to provide direct settlements of large-value transactions. AVIS B2B Connect can help financial institutions and their clients overcome costly processes and geographic barriers, which translates to an improved, seamless end-to-end experience.



The sender wants something from AVIS. That's why the sender has to show up and disclose everything! There are safe ways to do that without scattering everything --> Mandate / Mandate or BO / BO. 

If a sender do not accept this, he is hiding something and will not be processed by AVIS. AVIS have ways for every (true and clean&cleared) kind of transfers. 

AVIS will not answer fees without first having facts, because every transfer is different and needs to be discussed individually. Also, taxes are different in each country, which is why fees or a quota can only be quoted when the deal is discussed and the country in which it is made is known.


Has to worry about his commission. The AVIS Banks must strictly adhere to the rules of the ICC and must not allow themselves any mistakes or scams, otherwise they may lose the license.

Type instructions to pay by getting in contact with a AVIS dedicated agent.


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