Faster payments continue to expand.

Instant payments started with real-time payments through the RTP® network in 2017 and expanded with the addition of the FedNow® Service, developed by the Federal Reserve, in July 2023. Leveraging the RTP network today prepares you for expansion of instant payment options. In the future, intelligent routing will direct each instant payment to the optimal network for each payment.

Instant payment solutions

Real-time payments

Send and receive instant payments of up to $1 million through the RTP network. Benefits include immediate settlement of funds, data-rich messaging and 24-hour access every day of the year.

The FedNow Service

The Federal Reserve launched the FedNow Service in July 2023, which will greatly expand the network for instant payments up to $500,000 over the next few years, particularly with smaller regional banks and credit unions.

Request for Payment

Leverage the RTP network to receive payments and benefit from immediate reconciliation by sending requests for payment directly to clients.

Digital payment solutions

Disbursements via Zelle®

Send payments to consumers for refunds, rebates, account closures and 1099 employee payments. Zelle® is easy for consumers to use. They can receive payments using their email address or mobile number. Plus, Zelle® provides efficiency and cost benefits for your business.


Your business can make payments to a consumer’s account via their existing debit card, 24 hours a day, including holidays. This reverses the traditional pull of funds from a debit card, instead pushing funds to the account associated with a debit card.

Same Day ACH

Same Day ACH offers a faster option to accelerate funds availability for use cases such as late payroll, B2B payments and same day consumer bill payments. Make predictable ACH payments of up to $1 million to institutions in the network.

Solutions that provide multiple payment options

Payee Choice

Payee Choice lets you provide digital disbursement options to payees. Streamline payments while creating a superior experience. Offer payment choices via real-time payments, Zelle®, push-to-card, ACH, prepaid cards or checks within a single platform.

Pay Smart

Benefit from our Pay Smart intelligent routing service, which allows you to capture significant savings and efficiencies with automated, rules-based payments origination. Pay Smart recommends RTP whenever it’s available and, if it isn’t, the service prioritizes alternatives for you.

Man standing in front of a large screen with digital information displayed on it.

When you need to incorporate the latest capabilities, we can connect you.

Whether you’re logging into SinglePoint®, sending us bulk payment files directly from your ERP, accounting or treasury systems, or using APIs to interact with us. We have the solutions and the connections to help you build a comprehensive digital payment strategy.

Trends and insights about faster payments

Man and woman looking at a cell phone and discussing a payment.

Can faster payments mean better payments?

Along with rapid remittance, new payment technologies could provide increased ease, efficiency and information for receivables, as well as payables. The key to success is figuring out which technology to use – and when.

Male and female coworker in an office and reviewing accounting information on a laptop.

Instant payments are disrupting treasury.

The expansion of instant payments via FedNow and the RTP network is having real-world impact on businesses, governments and consumers as the digital payment ecosystem evolves.

Let’s talk about faster payments.

If you want to find out how a faster payments ecosystem can help your company and your customers, reach out to our team.

Start of disclosure content

RTP® is a registered trademark of The Clearing House Payments Company LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Deposit products offered by U.S. Bank National Association. Products and services may be subject to credit approval. Eligibility requirements, restrictions and fees may apply. Member FDIC.