Directly integrated with the RTP network, send money to a recipient’s bank account in less than 60 seconds.
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Always available
Send money outside of banking hours, on weekends, and during public holidays.
No clawbacks
Payments are sent as credits so there are no returns or reversals.
Payment requests
Send a request for payment directly to a customer’s banking app.
Growing support
Reach two thirds of U.S. checking accounts.
Flexible and reliable
When every millisecond counts
Real-Time Payments are faster than ACH transfers and more available than wire transfers. With round-the-clock settlement, Real-Time Payments are the perfect tool to power flows that need off hours settlement or instant verification.
With Real-Time Payments, you can verify an external account’s status in a matter of seconds. Instead of waiting days for traditional ACH microdeposits, instant payments allow your users to immediately confirm account access 24/7/365.
Use cases
Digital wallets
Instantly pay out or top-up digital wallets from external bank accounts.
Auto sales
Complete auto purchases on weekends and outside of bank operating hours.
Contractor payments
Pay contractors within minutes of completing their work.
Reimbursements
Reimburse employees in real-time for company expenses.
Bare-metal APIs
Every detail directly from The Clearing House
Other processors
Raw rejection details
rejection
Instantly receive detailed rejection codes and notes to help you understand the specific reason for a failed payment.
Transaction identification
transaction_identification
Immediately receive a unique transfer identifier from the RTP network to confirm a payment was sent.
Source account number
debtor_account_number
Instantly verify the account ownership of a third party by checking the account number in a received RTP.
Payments are instantly available in the receiver's account. Payments move instantly from customer to vendor.
Support is broadening across banks.
Specify remittance information.
Errors happen right away, or not at all.
Learn more about RTP
Learn how RTP works
RTP sends and XML message that uses a subset of ISO 20022. Learn more about what’s in each file and what you can customize.
Banking for builders
Everything you need and nothing you don't
Direct connections to the networks for money movement. Bank accounts that open instantly. Unopinionated building blocks that don't force you into legacy patterns.
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ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
Banking services provided by First Internet Bank of Indiana, Member FDIC. Increase is a financial technology company, not a bank. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through First Internet Bank of Indiana, Member FDIC.