Payments Exchange: RTP

Making Real-Time Payments Processing Simple, Secure and Efficient

As business and consumers alike demand "right now" payments capabilities, financial institutions are adopting real-time payments with a greater sense of urgency than ever before.

Payments Exchange: RTP® from Fiserv offers a direct gateway to the RTP® network from The Clearing House (TCH), providing your institution with easy, more affordable access to the newest U.S. payment rail and helping you deliver differentiated payment experiences for a new digital world.

Flexible and web‑based, Payments Exchange: RTP enables complete, end-to-end real‑time payments, streamlining payment processing, reducing operational costs and enabling your institution to provide immediate funds availability and payment certainty for your commercial and retail customers. 

Payments Exchange: RTP reduces errors and eliminates redundant, manual steps while helping you meet regulatory requirements.

Payments Exchange: RTP

  • Supports the full range of real-time payments personas, which can be implemented one persona at a time as needed
  • Provides access to the full RTP® messaging suite
  • Allows additional payment information to be sent with the payment transaction
  • Leverages existing integrations to account processing systems as well as deposit platforms, digital channels and fraud systems

Simple, Secure and Efficient Delivery of Real-time Payments
 

Simple

Easy-to-use interface cuts setup time and adapts to your environment, incorporating your institution’s branding for consistent look and feel to your customers
 

Secure

Multiple built-in security features, including customized authorization levels, dual controls for verification and SSL internet data encryption, to ensure integrity and confidentiality

Efficient

One-step payment entry that includes selection of real-time payments persona, fraud screening, posting to the account-processing system and transmission to TCH
 

Learn About Payments Exchange: RTP

Get the details about Payments Exchange: RTP and the enhanced capabilities to deliver end-to-end real-time payments 24/7/365 through TCH RTP®.

Complementary Solutions

Payments Exchange: Fedwire

Payments Exchange: Fedwire® from Fiserv is a flexible, web-based solution for completing end-to-end wire transfers, providing financial institutions an affordable option for increasing the efficiency and security of the wire transfer process.


Integrated Receivables

With Integrated Receivables, financial institutions can offer their business customers a way to lower total accounts receivable costs and improve accuracy, using artificial intelligence for improved payment-to-invoice matching rates.

 

 

Making the Move to Real-Time Payments Making the Move to Real-Time Payments

Making the Move to Real-Time Payments

Whether the preference is payments innovation or protecting existing business, analyzing payment systems and infrastructure can help financial institutions prepare to meet the demand for real-time payments.

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Insights

Better Payments Systems Are the Future

Learn how a centralized payment hub makes it possible for a bank to modernize their payments capabilities by decommissioning multiple siloed payments systems, simplifying IT and payments architecture, and facilitating process automation. 

Preparing for the Future of Payments

Findings from a recent survey of the senior leaders of financial institutions around the world provide new insights into the dynamic payments landscape. So what are the key strategic initiatives financial institutions must consider as they move ahead?

Request to Pay and the Promise of Digital End-to-End Payments

Request to Pay, together with instant payments and open banking, is revolutionizing digital payments. Our point-of-view paper takes a deeper dive into request to pay.

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