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Instant Payments

Repository

As account holders increasingly expect faster and more convenient payment options, instant payments allow financial institutions to meet these expectations and remain competitive.

Faster Payments Planning

Faster Payments Council Use Case Repository

Use Case

More than 130+ Use Cases developed by an industry-wide workgroup. Users can refine their search by Industry Type (i.e. Gig Economy, Entertainment, Education, Insurance, etc.) and Functions (i.e. POS, Bill Pay, Account Transfers, Loans, etc.).

Search Cases

Instant Payments Adoption Outlook

2024 Study

This study is based on a first-of-its-kind survey of U.S.-based third-party enablers to financial institutions. Collectively, respondents to the study serve over 90% of U.S. FIs and provide insights into the projected growth of instant payments adoption over the next five years.

Review the Study

Key Elements of Building a Business Case for Faster Payments

Planning Document
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The Pros of Instant Payments

Planning Document
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Instant Payments: Engaging Your Corporate Clients

Planning Document
Download

US FPC Faster Payments

FAQs
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Blogs

Mitigating Risk in Instant Payments

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FPC Issues Instant Payments Guidance

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5 Pro Tips to Avoid Common Pain Points When Implementing Instant Payments

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Bridging Financial Institutions to the Future of Payments

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In a Fast World, Be Instant

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Four Things to Know About Faster and Instant Payments

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Mitigating Fraud With Instant Payments

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FedNow® Service Negative List

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The FedNow® Service is Live, Now What

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Instant Payments Solution Providers

Service Provider List

Compiled by the Faster Payments Council

Users can refine their search by Provider Type (i.e. Network, Financial Institution, Third Party Provider, etc.)

Find Service Providers

FedNow® Service Providers

Compiled by the Federal Reserve Banks

A resource for connecting financial institutions and businesses with service providers that can help them innovate and implement instant payment products using the FedNow® Service. Filter and browse the gallery by Solution Types (i.e. P2P App, Payroll Processes, Core Banking Platforms, Treasury Management Systems, etc.), Use Case and End User Type.

FedNow Service Providers

The Clearing House/RTP® Network

Technology Providers and Funding Agents
RTP Service Providers

FedNow® Service

FedNow® Home Page

FedNow® Explorer Guided Journey

Take a guided journey of FedNow®. Answer a few simple questions about your organization and the Fed will take your through a guided learning journey to get you up to speed on everything you need to know about instant payments and how to prepare for the launch of their FedNow® Service.

Start Your Journey

FedNow® Explorer Self Exploration

Design your own learning path! Explore the FedNow® Service on your own by finding the information you're looking for throughout an instant payment-themed city. Resources include uses cases, features and functionality of the FedNow® Service, technology considerations, operating documents, preparation steps and more.

Explore

FedNow® Service Readiness Guide

This comprehensive guide includes insights on how the FedNow® Service will work, questions to consider and ideas for gaining value from the service for you and your accountholders.

Are You Ready?

FedNow® Preplanning Roadmap

This resource lays out the key steps to take on your path to a 24x7x365 payments world powered by the FedNow® Service.

Plan Your Route

FedNow® Product and Capability Planning

Discover the various ideas and opportunities available through the FedNow® Service to support product and capability planning. (Excerpt from the FedNow® Service Readiness Guide)

Discover Ideas

FedNow® Technology Planning

Explore important technology questions and considerations to help develop a successful instant payments roadmap powered by FedNow®. (Excerpt from the FedNow® Service Readiness Guide)

Explore Technology

FedNow® Treasury Operations Planning

Learn more about the potential adjustments you'll need to make to your treasury operations to support instant payments. (Excerpt from the FedNow® Service Readiness Guide)

Explore Treasury Options

Fraud and Instant Payments: The Basics

Learn about various types of fraud involving payments, the particular challenges posed by the unique characteristics of instant payments, ways to protect your organization and customers against instant payments-related fraud.

Explore the Basics

Asked and Answered for Financial Institutions

Visit to learn more about FedNow® and review some frequently asked quesitons.

Learn More

RTP®

RTP® Self-Audit Workbook and Self-Audit Form

All RTP® Participants must complete an annual audit to verify compliance with the RTP® Participation and Operating Rules, as required by RTP® Operating Rule IX.A.2. Once the self-audit is complete, Participants must return the RTP® Self-Audit Form to The Clearing House.

Verify Compliance

RTP® Frequently Asked Questions

The Clearing House launched the RTP® network in 2017 to bring instant payments to the United States.

Learn More

Request for Payment Permissible Use Rules Interpretation

The Clearing House published a new RTP® Rules interpretation on the Permissible Uses for Requests for Payment effective May 3, 2024.

View Interpretation

RTP® Document Library

Find all of the RTP® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.

View Library

Education & Advisory Services

On-Demand Curriculums

Bring everyone at your organization up to speed on RTP® and FedNow® with our three on-demand Faster Payments curriculums. Complete ALL courses in each curriculum and receive a certificate of completion!

Real-Time Payments: Risk, Rules and Regulations

Earn Up To 3.41 AAP/APRP Credits

24 micro-course recordings totaling approx. 160 minutes and Real-Time Payments: Risk, Rules and Regulations workbook.

Register Now
Webinars

Attend live or register to receive the recording and attend on your own time.

  • Introduction to RTP® & FedNow®
  • Getting to Know ISO 20022
  • Instant Payment Origination Strategy
  • Managing the Risk of Instant Payments: RTP® and FedNow®
  • Digging Into RTP®
  • Diving Into the FedNow® Service
  • Legal Framework of RTP® & FedNow®
  • FedNow® Update
  • RTP® Update
  • Instant Payments Third Party Service Provider Update

Instant Payments Enablement Service

Our Instant Payments Enablement Service can help you swiftly deploy instant payment systems, ensuring a seamless transition to modernized payment solutions.

Knowledge:

Understand instant payments benefits, operational impacts and compliance requirements.

Operations:

Gain insight into effective policy and procedure development, liquidity and processing.

Risk Management:

Identify risks and review internal control and risk assessment considerations.

Strategy:

Perform a competitive analysis and establish a strategic roadmap for implementation.

Enablement:

Identify critical tasks for your product launch and receive guidance for a go-to-market plan.

We also have a “lighter” Faster Payments Launch Service.

Learn More