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How Visa, FIS, TCH, SWIFT, Nacha and Circle See The Future of Faster, Real Time Payments Rails

PYMNTS

Moving Beyond ACH . ACH might be among the most readily visible paper check killers — and as Nacha’s Larimer noted, “we need more than just ACH to make huge inroads [against checks]. Real time and the ACH network can actually work together to displace paper checks.”

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The Clearing House On The Race for Real-Time Payments In The US

PYMNTS

Learning from past mistakes will be important, he said, considering that there were roughly 120 million ACH, 36 million checks and about 4 million debit cards issued in the first funding round. financial services ecosystem, traction may have thus far been slower than originally thought. What’s Next.

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New Year’s Resolution: The Clearing House Urges Banks To Become 24/7 Operations

PYMNTS

A lot of what the pandemic did was force our industry to truly be digital, to facilitate frictionless transactions,” TCH Senior Vice President Elena Whisler said in a recent conversation with PYMNTS. “It To facilitate this transition in handling 24/7 cash flow, Whisler said TCH offers services such as intraday reconciliation.

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TCH’s Waterhouse: Real-Time Payments’ 2021 Focus Is On Smarter, Safer

PYMNTS

According to Russ Waterhouse , executive vice president of Product Development and Strategy at The Clearing House (TCH), the surge in digitization brought on by the COVID-19 crisis has accelerated the evolution of a range of RTP (Real-Time Payments) network advancements, including instant payroll, merchant settlements and tokenization.

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Why FedNow Will Slow Real-Time Payments

PYMNTS

Senator Elizabeth Warren asks in a campaign ad, ignoring the fact that 93 percent of working Americans have their checks directly deposited into their bank accounts – ready for use on payday – using the ACH network. Ironically, perhaps, the ACH network’s first direct deposit use case was the U.S. Slowing Innovation.

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Why the U.S. has reached a real-time tipping point

Finextra

Same day Automated Clearing House (ACH) payments rose 19.1% Similarly, a record 98 million transactions were made through The Clearing House (TCH-RTP) network in Q4 2024 [3]. TCH went live with this change in February, enabling real-time payments up to the value of $10 million. year-over-year in the first quarter of 2025 [1].

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Vocalink, TCH aid Mastercard's push for bank-supported 'instant' bill pay

Payments Source

Called Bill Pay Exchange, it will power instant bill pay for consumers from their bank or credit union accounts in a matter of seconds versus days when using the traditional bank bill pay ACH network.

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