RTP® for Banks and Credit Unions.

RTP® Payments. Ready to Plug In.

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Real-time Payments, Built Into the Bank

RTP and FedNow shouldn’t live in a silo. Finzly brings instant payments into the fabric of your bank, so customers and businesses can send, receive and request money instantly across digital banking, commercial banking, tellers, treasury, lending and embedded experiences.

One platform. Every instant payment use case.

Benefits

Keep Your Digital Banking. Add Instant Payments.

Keep the digital banking experience customers know. Add RTP alongside your existing channels, brand and workflows—without replacing the infrastructure behind them.

Turn RTP Into a Revenue Channel

Go beyond serving account holders. Give fintechs, platforms, businesses and software providers access real time payment networks and create new revenue opportunities.

24/7 RTP. Even When Your Core Isn’t.

Real-time payments never sleep. Finzly keeps RTP moving around the clock, with core-independent processing and ledger capabilities that keep transactions flowing when your core is unavailable.

Features

Multi-Channel RTP

Send, receive and request payments 24/7/365 through real-time payments API, bulk files, digital banking and in-branch channels.

Direct, Certified Connectivity

Connect directly to The Clearing House (TCH) RTP® network. Finzly automatically keeps your connection aligned with evolving network rules and requirements.

Core Integration

Connect RTP to your existing core and internal systems through flexible APIs and connectivity options without replacing your existing infrastructure.

Fraud Protection & Smart Routing

Monitor transactions in real time with built-in fraud and compliance controls, while intelligent routing helps keep payments moving across available rails.

Request for Payment: Request. Pay. Done.

With Finzly, banks can offer Request for Payment (RfP) through RTP®, bringing real-time payment requests to digital banking and APIs.

Give businesses and consumers an easier way to request money, pay bills, collect invoices, make loan payments directly from their bank account.

Collect payments. Request invoices, loan and other payments in real time.
Make payments easier. Let customers pay instantly from their bank account.
Embed instant payments. Add RfP to digital banking, fintechs through APIs.

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Instant Pay-by-Bank

RTP gives banks a direct role in pay-by-bank—letting customers pay merchants, fund accounts and load digital wallets instantly from their bank account.

With Finzly, banks can expose RTP APIs to merchants, fintechs and platforms, enabling instant account-to-account payments and account-funding experiences while keeping the bank at the center of the transaction.