Real‑time payments, on tap

Facilitate frictionless instant payments on a real‑time, 24/7, scalable, and secure ISO20022‑native platform.

A quicker way to click and pay

Consolidate initiation, processing and connectivity with advanced RTP capabilities. From origination to clearing, streamline the entire payment lifecycle. Outpace competitors with unrivaled speed and performance. All with flexible connectivity options to fit your existing infrastructure. 

Benefits you can bank on

Go to market fast

Don’t wait for layered solutions from legacy core providers. Use our reliable pre‑wired, certified and tested connections and go to market faster.

Stay ahead

Use the SaaS platform that’s constantly updated to meet new standards, regulations, industry innovation and customer expectations.

Grow revenue

Join the forward-thinking institutions growing their revenue with outstanding customer experiences and value‑added services through APIs for embedded banking.

Multi-channel support

Send and receive instant payments 24/7, 365 days of the year through multiple channels – APIs, bulk files digital banking, and branch.

Seamless integration

Enjoy smooth onboarding with our ready‑to‑go RTP solution that integrates with your internal systems and your core.

Instant fraud protection

With integrated real‑time fraud monitoring and compliance to meet processing time constraints, it’s your first and last line of defense against fraud in instant payments.

Smart routing

Network outage? Processing bottleneck? Mitigate the risk of payment failures or delays by automatically rerouting transactions to other rails.

Finzly Payment Hub

Manage all payment rails in a modern, unified experience.

Smoother, smarter, faster payment experience

Give your customers the joy of secure, instant payments that settle within seconds. And keep them in the loop with real‑time updates on their payment status. Start with receiving payments, then add the functionality of sending payments when the time’s right.

Powered by a scalable, real‑time, 24/7, resilient architecture


What is the difference between Zelle and Instant Payments?

Zelle is a system for customers to send money to people they know using a mobile phone number or email address as an option to identify the recipient while Instant Payment networks allow senders to use the routing number and checking or savings account number of the recipient’s bank account. 

What are banks’ options to connect to the RTP® Network?

There are two options to connect to the RTP® network: federally insured US depository institutions can connect directly or connect through a Third Party Service Provider (TPSP) like Finzly. 

What is the maximum amount one can send through RTP?

$1 million is the current credit transfer limit on the RTP® network.  

What is the difference between Instant Payments, real‑time payments, and faster payments?

Instant payments and real‑time payments are essentially the same thing; the Federal Reserve uses the term Instant Payments while The Clearing House uses real‑time payments (RTP).

On the other hand, a faster payment is a payment system that posts and settles payments faster than traditional payment rails. For example- NACHA's Same Day ACH and Zelle. While they are fast, they don’t necessarily settle in real‑time.  

Can banks use both FedNow and RTP?

Yes, banks can choose to offer one or both instant payment rails. They can choose to start with one and add another or drop one and add another. This becomes easy with a payment hub like Finzly's Payment Hub, which simplifies switching between rails.

Will Finzly integrate into my core?

Yes – Finzly's product integrates with your bank’s existing core for real‑time account validation and posting.