Banks using the proposed real-time payments system will have to provide extensive support for the system to achieve the 100 per cent uptime experienced by the Faster Payments system in the UK.Craig Tillotson, managing director of the Faster Payments Scheme, told the cards and payments conference in Melbourne yesterday that "you have to be there all the time" to iron out operational glitches and ensure liquidity is available to clear payments.In Australia, the banking industry is working on its vision for the collaborative development of a payments platform. This will foster the supply of a real-time payments service to most households and businesses.In February, the Australian Payments Clearing Association published a document that set out the proposed operating model, business architecture, governance and funding principles for what it says will be a "new payment system".APCA is consulting with a shortlist of firms able to supply the services of a program office that can both manage the project for the industry and meet the 2017 target date for the project.The relevance of branding to real-time payments was another talking point at the conference.Richard Palmer, managing director of FIS Australasia, said the Swish person-to-person payments scheme in Sweden achieved exceptional brand recognition less than six months after its launch late last year.The term "swish", he said, had already achieved the status of a verb - to swish someone or to swish a payment.On present thinking, Australia's version of real-time payments is unlikely to place much emphasis on scheme branding, in common with the UK Faster Payments Scheme.Chris Hamilton, chief executive of the Australian Payments Clearing Association, said the objective was to build a new piece of payments infrastructure, with competitive services overlaid on this.Some banks may want to promote their existing mobile payments branding for the new service - for example, ANZ's goMoney and Commonwealth Bank's Kaching.