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New Feature: Instant Payments via RTP and FedNow

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INSTANT PAYMENTS SOLUTION

Instant Payments

Get an embedded, lightning-quick solution to send, receive, and settle funds automatically and directly from your platform via RTP and FedNow.

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ACH Payment API

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WHY USE THE INSTANT PAYMENTS API?

Move Money Instantly –To Anyone, Anytime, From Anywhere.

Send or receive funds faster and easier than ever, securely and with real-time settlement, with Cybrid's Instant Payments API.

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Connect with 70% of US Banks.

Access over 70% of US banks via the RTP network and reach additional financial institutions through FedNow.

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Settle Funds Instantly.

Settle payments and funds in a matter of seconds — not business days. Whether through FedNow or RTP, funds are deposited when they're needed, not just during business hours.

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Boost Operational Efficiency.

Automate payment workflows using Cybrid's Instant Payments API to reduce manual work, streamline processes and eliminate data entry.

WHAT WE OFFER

Instant Payments Directly From Your Platform

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Embed Instant Payment Processes Into Your System

Embed instant payment processes seamlessly into your existing platform. Enable automated  payments via RTP and FedNow, making instant settlements across the U.S. banking system simple and efficient for your business.

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Access the Real-Time Payments Network

Easily access both RTP and FedNow networks without needing to be a federally insured depository institution. Leverage Cybrid’s robust, secure, and compliant infrastructure to create a seamless, turnkey experience for enabling instant fund movements across businesses and consumers.

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Secure Movement of Funds

With $55 billion moved across RTP in Q2 2024,and FedNow rapidly scaling adoption, Cybrid's Instant Payments API ensures secure, real-time transactions. Built with industry-standard compliance, strong authentication protocols and real-time fraud monitoring, your transactions are fully protected. 

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Cost-Effective Instant Payments

Lower financial operation costs by leveraging RTP and FedNow. Both networks offer a faster, more affordable way to move money compared to traditional payment systems.

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Customized to Your Needs

Cybrid's Instant Payments API adapts to your business. Test your implementation in our developer sandbox before moving to production, with full support for instant payment workflows.

Whether integrating basic instant payments or automating complex payment processes, Cybrid’s flexible API is built to fit your specific needs.

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WHY CYBRID?

Revolutionize Your Payment Infrastructure With Cybrid's Instant Payment Platform

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Domestic Payment Platform for Businesses

Access domestic instant payment solutions alongside cross-border capabilities, powered by RTP, FedNow, and more.

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Hassle-Free
Compliance

Easily achieve and maintain compliance with financial regulations without building your own infrastructure.

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Quick,
Easy Launch

Enable instant payments in just in just 8 weeks.

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Payments for People
(B2C/P2P)

Process instant payments for consumers and individuals with simple, integrated functionality for B2C and P2P payments.

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Payments for Businesses
(B2B)

Streamline and secure B2B transactions using RTP and FedNow for instant settlement.

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Access to
Crypto

Enable seamless payments with stablecoins (USDC) and Bitcoin Lightning through Cybrid's crypto and fiat on- and off-ramps.

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Developer-Preferred
Sandbox

Build, customize and test your Instant Payments API in an isolated, secure sandbox environment.

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Full
Support

From setup to launch and beyond, Cybrid's team provides hands-on ongoing support for your payment needs.

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Multiple
Payment Rails

Enable and manage multiple payment rails from the Cybrid platform. FBO, crypto, FIAT, ACH, digital wallets and now RTP and FedNow.

TESTIMONIALS

See Why We’re The Top, Trusted ACH API Provider

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Frequently Asked Questions

What is the Instant Payments API and how does it work?

Cybrid's Instant Payments API enables instant fund transfers by connecting to both the Real-Time Payments (RTP) network, operated by The Clearing House, and the FedNow network, operated by the Federal Reserve. These networks allows businesses to send, receive, and settle payments in real-time, 24/7, without relying on traditional banking hours. 

By embedding the Instant Payments API into your platform, you can facilitate secure, immediate payments with real-time confirmation. This integration streamlines payment workflows, enhances efficiency and provides faster access to funds for both individuals and businesses.

How quickly can I implement the Instant Payments API into my platform?

With Cybrid's Instant Payments API, you can integrate real-time payment functionality into your platform in as little as 8 weeks. This rapid implementation allows you to start processing secure, instant payments without long development cycles. 

Cybrid’s infrastructure ensures seamless integration with both RTP and FedNow, reducing complexity and providing a straightforward setup process. The API is developer-friendly, allowing you to customize and test your workflows in a sandbox environment before going live.

What are the benefits of using the Instant Payments API?

The Instant Payments API offers several advantages: 

  • - Instant Fund Transfers: Process payments in real-time, 24/7, through RTP and FedNow.
  • - Broad Coverage: Access over 70% of U.S. banks with RTP and additional institutions via FedNow.
  • - Enhanced Operational Efficiency: Automate payment workflows, reducing manual errors and improving accuracy.
  • - Secure Transactions: Benefit from real-time fraud monitoring and compliance with industry standards.
  • - Customer Satisfaction: Provide a seamless and reliable payment experience for both individuals and businesses.

By leveraging Cybrid’s API, you can modernize your payment infrastructure and stay competitive in today’s fast-paced economy.

Are there limitations to using RTP to move funds?

Yes, there are some limitations. Both RTP and FedNow are currently limited to transactions within the United States and do not support cross-border payments. Cybrid’s domestic and cross-border payment platform can help overcome those limitations (Ask us how!).

Additionally, there are transaction amount limits set by each network and may vary by financial institution. 

Both RTP and FedNow primarily support credit transfers and do not currently offer direct debits. 

Despite these limitations, RTP and FedNow provide fast, reliable and secure options for domestic payments.

How is RTP different from other payments?

RTP and FedNow differ from traditional payment methods like ACH or wire transfers in several key ways:

  • - Instant Fund Transfers: Payments settle in seconds, 24/7, unlike ACH which processes in batches and can take days.
  • - Cost Efficiency: Lower transaction fees compared to wire transfers, which are limited to business hours and often incur higher costs.
  • - Real-Time Confirmation: Immediate payment status updates enhance transparency and trust.
  • - Additional Features: Support advanced capabilities like payment requests and message attachments, providing more flexibility than other methods.

To explore if instant payments via RTP and FedNow are right for your business, contact our team.

Streamline Instant Payments Like Never Before

Give your customers instant access to funds. Let’s discuss how you can integrate RTP and FedNow today!

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ACH Payment API