Move your business funds safer, faster and smarter.

Your business moves in real time, and so should your payments. RTP is more than just a payment platform. It enables better business across a wide range of functions through a secure payment system. Send, receive and request immediate payments with an end-to-end payment solution that streamlines the experience for customers, vendors and employees.

Transfer money in real-time.

With RTP, payment experiences are modernized with near-instant payment confirmations, reduced reconciliation costs and improved cash flow.

Through the RTP network, your business can:

  • Send money: Disburse near-instant funds with immediate availability to businesses or consumers, even on nights, weekends and holidays.
  • Request payment: Initiate a Request for Payment (RfP), which sends a data-rich digital bill through the receiver’s bank that allows an immediate payment back via the RTP network.

Discover RTP benefits with a payment network built for modern commerce.

It’s immediate.

Funds are immediately available to the receiving person or business.

It’s certain.

Every payment is final, irrevocable and confirmed within seconds.

It’s easy.

Initiating payments is simple, ensuring an optimal customer experience.

It's reliable.

Fast and secure transactions mean more visibility and control over cash flow.

It’s data-rich.

Rich payment and remittance data reduces manual reconciliation.

It’s always on.

Transactions can be completed anytime – 24/7 – including weekends and holidays.

Grow your organization with a suite of U.S. Bank-backed payment services.

As one of the first banks to initiate a Real-Time Payment, we've built a highly scalable payments infrastructure from the ground up. To help you build an end-to-end experience, we stay on the leading edge and always put your needs at the center of our solutions.

Connect Real-Time Payments to your business

Fund your business with Real-Time Payments

  • Free up available credit by making payments up to $1MM with your commercial card program.
  • Use Everyday Funding, to manage daily business without delay, within hours of a batch submission, seven days a week.

Real-time applications made easier.

Businesses paying consumers

  • Consumer refunds or rebates
  • Immediate pay for short-term workers

Businesses paying businesses

  • Supplier payment on delivery
  • A/R and A/P payments

Consumers paying businesses

  • Bill payments
  • Late payments

Track the rapid rise of instant payments.

Adoption of instant payments through the RTP network and the FedNow Service is on the rise, according to our survey of more than 1,400 senior financial leaders at large organizations around the nation. Forty-two percent of survey respondents already use instant payments, and that number is expected to hit 68 percent by 2025. Dive into what’s driving the rise of instant

Gain insights into how Real-Time Payments transform money movement.

Woman standing next to a seated man and they are looking at a laptop screen together at work.

The instant payment ecosystem is evolving quickly.

The RTP network and FedNow are changing the way companies, government agencies and consumers and citizens transmit payments.

3 ways to make practical use of real-time payments

Explore 3 ways to apply real-time payments.

There are practical ways to benefit from the value of real-time payments, including receiving funds, sending funds and moving money faster.
Borsheims evolves their payment landscape with eBill Service

Discover how Request for Payments (RfP) changes the bill pay game.

New technology through the RTP network lets businesses send digital bills and receive payments back immediately, which accelerates billing.

Find answers to your questions about Real-Time Payments.

Talk to an instant payments expert.

Reach out to our team anytime to talk about instant payments and what we can do to help you understand, adopt and benefit from the latest in payment technology.

Start of disclosure content

Eligibility requirements, other conditions and fees may apply. Services mentioned may be subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC.

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

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

U.S. Bank AP Optimizer® is a registered trademark of U.S. Bank N.A.

U.S. Bank and SinglePoint are registered trademarks of U.S. Bank National Association.