Payments Dive

JULY 21, 2025

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Real Time Payments 109

Real Time Payments FedNow RTP Payments 109

PYMNTS

NOVEMBER 18, 2020

The Clearing House 's RTP network is now several years old, and while the real-time payments capability is gaining traction, adoption in the B2B landscape remains muted. Just ask the estimated 42 percent of small- to medium-sized businesses ( SMBs ) that continue to use paper checks to make B2B payments.

RTP 82

RTP Use Case Real Time Payments ISO 20022 82

Fintech Finance

JULY 10, 2024

Consumers and businesses sent $1 billion in instant payments on June 28 over the RTP® network, a single day record for the largest instant payments system in the United States, operated by The Clearing House. This record setting quarter continues an impressive trend for the RTP network, which previously set numerous records in Q1 2024.

RTP 96

RTP Instant Payments Credit Union Volume 96

PYMNTS

DECEMBER 9, 2020

B2B Use Cases Are Mushrooming. And, in the digital-first world that has been wrought amid the pandemic, the B2B use cases of moving money beyond the confines of the paper check have been exploding as data and payment need to be matched up seamlessly. Using Technology To Solve Key Use Cases.

Use Case 134

Use Case B2B Cross-Border Payments Cross-Border 134

PYMNTS

JANUARY 8, 2021

In short, the global pandemic has ushered in rising usage — and use cases — for TCH’s RTP ® network, and Whisler doesn’t see that slowing down anytime soon. We've seen a lot of excitement this year with the RTP ® network, and we're very much expecting next year to grow even faster,” she said. Becoming A 24/7 RTP Shop.

RTP 139

RTP TCH Funding Agent Same Day ACH 139

PYMNTS

AUGUST 10, 2020

These efforts include TCH’s efforts to connect financial institutions’ (FIs’) core banking systems to the company’s Real-Time Payments (RTP) network, along with what card networks and FinTechs are doing to enable real-time push payments to receiver bank accounts. The silver lining for us has been Jack Henry,” Waterhouse told Webster.

Real Time Payments 138

Real Time Payments RTP TCH Federal Reserve 138

Tearsheet

FEBRUARY 16, 2024

This extended partnership will focus on integrating additional instant payment use cases across a range of payment flows for consumers, businesses, and governments. Mastercard’s collaboration with TCH dates back to 2017 when TCH introduced the RTP network, with Mastercard as the exclusive software provider for the network.

Instant Payments 119

Instant Payments RTP TCH Visa 119

PYMNTS

JUNE 18, 2019

In recent months, though, real-time payments (RTP) have garnered more interest and no shortage of headlines in the U.S. The Clearing House [TCH] launched its own RTP network at the end of 2017.). Where We Stand In The US. Cheney told PYMNTS that several factors underpin the readiness for that shift toward RTP.

RTP 78

RTP P2P B2B RFP 78

PYMNTS

NOVEMBER 25, 2020

Ranta said RTP is already past the “early adopter” stage and moving into the “fast follower” phase of its evolution. After all, The Clearing House’s RTP infrastructure is already up and running. And beyond TCH and RTP, the Federal Reserve’s FedNow real-time payments solution looms.

Real Time Payments 114

Real Time Payments RTP FedNow TCH 114

PYMNTS

MARCH 9, 2020

Banking association and payments company The Clearing House (TCH) has been confronting such concerns as it advances its real-time payment ( RTP ) offering in the U.S., The federal government deliberated in 2018 and 2019 over developing its own real-time payment system, FedNow , to compete with RTP.

RTP 81

RTP TCH ISO 20022 Real Time Payments 81

Fintech Finance

AUGUST 15, 2024

Instant payments use the FedNow service, developed and launched by the Federal Reserve in July 2023, and the RTP® network, launched in 2017 by The Clearing House. So far, over 1,000 banks and credit unions have signed on with either the RTP or FedNow networks, or both, and instant payment volume continues to grow.

Instant Payments 105

Instant Payments Treasury RFP RTP 105

PYMNTS

JUNE 23, 2020

New payments infrastructure continues to gain traction with financial service providers looking to modernize their services for business clients. The Clearing House’s RTP finds expansion within the community bank arena, while abroad, the Bank of Thailand is planning its own infrastructure development to accelerate B2B payments.

Federal Reserve 106

Federal Reserve RTP Payment APIs and Integration Fed 106

Fintech Finance

SEPTEMBER 13, 2024

With contributions from industry experts, the guideline aims to help FIs enhance their operational readiness for real-time payments, including RTP® and FedNow®. As instant payments continue to transform the payments ecosystem, financial institutions face unique challenges in adapting their systems and processes to this new real-time paradigm.

Instant Payments 131

Instant Payments Faster Payments FPC Real Time Payments 131

PYMNTS

JANUARY 26, 2021

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.

Real Time Payments 109

Real Time Payments RTP RFP TCH 109

PYMNTS

NOVEMBER 3, 2020

As efforts to innovate payments infrastructure continue, speed remains top priority. Smaller banks want to take advantage of this demand and are increasingly looping into The Clearing House 's RTP network , developed and owned by the largest banks in the country. But it's not only consumers driving demand for real time.

Use Case 56

Use Case B2B Distributed Ledger Technology (DLT) ISO 20022 56

PYMNTS

JANUARY 26, 2021

As real-time payment (RTP) schemes move from pilot to implementation worldwide, cybercrooks follow, drawn by the lure of instant ill-gotten gains at scale. First, appreciate how far RTP had come. percent are either currently implementing RTP or plan to do so within the next three years.”. PYMNTS recently reported that “66.7

RTP 109

RTP Real Time Payments NACHA Same Day ACH 109

Fintech Finance

MARCH 31, 2025

in 2024, continuing the trend of yearly ACH volume and value growth. per year, as businesses and consumers continued to embrace electronic payments. per year, as businesses and consumers continued to embrace electronic payments. The trend of increasing volumes is also continuing into 2025. billion transactions worth $56.4

ACH Network 59

ACH Network ACH Continuity Same Day ACH 59

PYMNTS

DECEMBER 12, 2019

continues to take significant steps toward a faster payments ecosystem , the market undoubtedly lags behind others across the world in the path toward real-time payments ubiquity. There are a variety of reasons why this is the case, which stem beyond one of the most common explanations — that the U.S., Though the U.S.

RTP 72

RTP Real Time Payments Faster Payments Cross-Border 72

PYMNTS

OCTOBER 15, 2020

Against that backdrop of moving away from paper payments, and toward ubiquitous real-time payments, TCH’s Waterhouse said there’s probably not a use case “that’s going to tip the scale here.” But he pointed to a use case that might be a bit under the radar. So that is certainly an aspiration. Interoperability In Focus .

Real Time Payments 125

Real Time Payments NACHA SWIFT TCH 125

Faster Payments Council

AUGUST 23, 2024

Financial Institutions are enabling use cases and improving send reach that allows customers to manage their cash on hand and easily disburse payments up to the due date while maintaining a positive account status and avoiding late fees. cross-border ambitions continue to increase.

FPC 128

FPC ISO 20022 Federal Reserve Instant Payments 128

PYMNTS

MARCH 18, 2019

This new feature, available to PayPal customers in good standing, leverages the company’s partnership with Chase, and Chase’s connection to The Clearing House’s RTP network, to move money instantly into the bank accounts of consumers and SMBs. On its website, TCH also says RTP is the system that “all federally insured U.S.

Faster Payments 80

Faster Payments Fed RTP Same Day ACH 80

Fintech Finance

JULY 24, 2024

With experience and focus on innovative payment services across Real-Time Payments (RTP® and FedNow®), ACH, card solutions and alternative payment rails, Carl is well-positioned to support the FPC’s continued growth and innovation in faster payments.

Faster Payments 97

Faster Payments FPC FedNow RTP 97

Fintech Finance

OCTOBER 23, 2024

Trustly , the global leader in Open Banking Payments, is on track towards processing $100 billion in Total Payments Value (TPV) in 2024, underscoring a substantial shift in the payments industry as merchants worldwide continue to explore card alternatives. Trustly, Inc., Trustly, Inc.’s has processed over $17 billion in TPV to date.

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Process Non-Bank FedNow RTP 97

PYMNTS

DECEMBER 29, 2020

Ledford explained how TCH’s Real-Time Payments ( RTP ) network could enable employers to disburse payroll instantly. That vendor will handle the clearing and settling element of the payments system, and Payments Canada continues to finalize selection of a party that will provide the exchange component.

Faster Payments 124

Faster Payments Payment APIs and Integration Real Time Payments Instant Payments 124

Fintech Finance

JANUARY 24, 2024

Mastercard and The Clearing House (TCH) have announced an extended multi-year partnership, bringing the companies together to collaborate on innovative capabilities for consumers, businesses and governments to evolve and embrace the digital economy through real-time payments (RTP) adoption on the RTP® network. demand deposit accounts.

Real Time Payments 52

Real Time Payments RTP Visa Instant Payments 52

PYMNTS

AUGUST 7, 2019

For Mastercard, the acquisition furthers the continued strategy to move well beyond cards and deepen its presence in account-to-account activity and extend its position beyond credit and debit cards. The Use Cases. The second use case on offer revolves around bill presentment and payment.

Visa 77

Visa Acquirers Real Time Payments ISO 20022 77

PYMNTS

AUGUST 12, 2019

That’s the talk track now from the Fed , which a week ago today announced its plans to build and operate a new set of real-time rails, using accelerated access to employer paychecks as its launch use case. Ironically, perhaps, the ACH network’s first direct deposit use case was the U.S.

Real Time Payments 78

Real Time Payments FedNow TCH Fed 78

PYMNTS

JUNE 4, 2019

“The recent announcement of Avidia Bank being the first community bank to commit to joining the RTP network through PayFi’s Branch99TM Real-Time Platform furthers our commitment to community and regional banks. PayFi said its RTP network is the first new core payments infrastructure in over 40 years. depository institutions.

Real Time Payments 48

Real Time Payments ISO 20022 RTP TCH 48

PYMNTS

NOVEMBER 27, 2019

That is to say, mass adoption will take time, and the factors driving that adoption will almost certainly continue to change and shift as end users’ needs do the same. The global payments ecosystem’s path to faster and real-time payments ubiquity is an evolution, not a revolution. What Faster Payments Hasn’t Solved … Yet.

ISO 20022 117

ISO 20022 Cross-Border Payments ISOs Cross-Border 117

Faster Payments Council

MARCH 15, 2023

With the system joining the existing RTP system, both promising to modernize the way money moves and allow for greater use of instant payments, it seems the shift to real-time payments is 'inevitable'. FedNow may not interoperate with RTP, and it doesn't seem to be a priority for either. What are your options?

FPC 88

FPC ISO 20022 Federal Reserve Cross-Border Payments 88

Clearly Payments

DECEMBER 18, 2023

As technological advancements continue to unfold, the payment landscape in the United States is poised for a transformative journey in 2024 and beyond. The Continued Surge of Contactless Payments Contactless payments , facilitated by tap-to-pay cards, mobile wallets , and wearable devices, are set to maintain their upward trajectory.

Payments Trends 102

Payments Trends Online and Mobile Banking Payment APIs and Integration Contactless Payments 102

PYMNTS

NOVEMBER 19, 2020

While Track supports a range of payment rails, Transcard highlighted its support of the RTP network as a key value proposition within the context of B2B eCommerce. Australia's New Payments Platform (NPP), its real-time payments rail, continues to gain traction according to the latest figures from the network.

B2B 104

B2B Blockchain Real Time Gross Settlement (RTGS) Real Time Payments 104

PYMNTS

DECEMBER 18, 2019

In B2B payments, though, legacy tools continue to lead. According to reports , Accenture and TradeIX will not only support corporates’ use of blockchain to access trade finance, but explore additional use cases for the distributed ledger solution to strengthen data sharing between buyer and supplier.

B2B 52

B2B Credit Union Electronic Funds Transfer (EFT) RTP 52

FICO

APRIL 20, 2023

According to FICO’s latest survey of consumers from 14 countries around the globe, 90% of all consumers have sent a real-time payment, and at least 95% of consumers have used real-time payments in India , Indonesia , the Philippines , and Brazil. Throughout the countries we surveyed, RTP usage shows no signs of slowing.

Real Time Payments 52

Real Time Payments Scams RTP Payments 52

PYMNTS

FEBRUARY 1, 2021

It has clarified the banking processes, but RTP is hardly ubiquitous within Italy, much less across the Eurozone. Another few dozen banks will be joining the instant payments scheme this year, said Camporeale, which pushes percentage of accounts that could use instant payments to 90 percent by the end of 2021.

Real Time Payments 100

Real Time Payments Instant Payments Online and Mobile Banking Push-to-Card 100

PYMNTS

NOVEMBER 4, 2019

Use-cases for real-time payment capabilities continue to grow for consumers, small businesses and corporates, while the open banking business model is proliferating beyond the ability for FinTechs to loop into their customers’ bank account data, and into new opportunities like enhanced small business loan underwriting and automated accounting.

Real Time Payments 44

Real Time Payments RTP Payment APIs and Integration Faster Payments 44

PYMNTS

AUGUST 6, 2019

It is what are the use cases and new efficiencies we will discover when there is a system for instant payments that is truly nationwide. The Clearing House, an association of the 26 largest banks , operates the RTP network — has in the past been open about its concerns for an instant payments platform built and operated by The Fed.

FedNow 85

FedNow Fed Federal Reserve Real Time Payments 85