Real Time ACH Processing

Real-Time payments has benefits for all parties involved in Financial Transactions.


Benefits to your company include:

• Money Transfer: Current limit of $1,000,000 per transaction.
• It's Fast: 24/7/365 access to funds anytime vs. several days for paper checks or ACH transfers to process.
• It's Final: Real Estate companies can disburse funds to their Vendors, Agents or Rebate discounts to their customers' bank accounts or mobile wallets.
• Software Integration: Integrate your Management or Enterprise software with us.
• Message Detail: Full 145 characters available using ISO 20022 XML format.
• Online Down Payments: Don't use inconvenient and expensive Wires & Cashier's Checks.
• Online Real-Time Reporting: Configured Dashboard with Virtual Terminal login.
• Reduced calls / emails in the "Purcahsing Chain": All parties to a "Real-Time payments" transaction receive text & email messaging.


Your Choice ~ Integrate your software system with us or, send us your API and we'll integrate Real-Time Payments with YOU!

Why use Real-Time payments?

When "Next-Day" or "Same-Day" payments are too slow or using Wires costing $25 are too expensive - think RTP:

• Real-Time payments are SAFE:

  It is safer than cash or checks in protecting users against fraud. The platform uses transaction limits and cross-border blocks to avert money laundering. eCheck transactions, using bank login authorization, are the most secure method of funds transfer available.

Real-Time payments are FREE to Receiving Party:

Your Recipients will never be charged enrollment or transaction fees.

Real-Time payments are FAST:

24/7/365 access to funds anytime.

Real-Time payments are EFFICIENT:

The platform makes digital payments effortless and more efficient. We drive efficiencies and cost savings.

Real-Time payments are EASY TO USE:

It connects users across the globe all through one digital hub. Worried about Internet security? DON'T BE:

• Fraud Protection: Identify, manage and prevent suspicious or potentially costly fraudulent transactions with our customizable, rules-based solutions.

After a transaction is processed, you'll even receive an e-mail with amount confirmation and receiver information. Plus, our payment platform gives you the ability to manually key-in transactions anywhere there's an Internet connection.

More than Same-Day ACH:

What are the differences between RTP and Same-Day ACH?

	​Real-Time Payments	Same-Day ACH	Wire
Typical Funds Availability	Immediate​	During transaction day​	Immediate​
Information Availability​	Immediate​	​End of day	​End of day
​Processing	24x7x365​	During business hours​	During business hours​

 

Real-Time payments doesn't share banking information between parties:

"...consumers and businesses indicated that they would rather share an e-mail address or a phone number to make/receive payments instead of sharing their bank account numbers." Page 29, Strategies Improving US Payment System

Credit Transfer:

Basic multi-purpose payment message, including remittance information.

Request for Payment:

RfP® to support P2P funds request and EBPP - Electronic Bill Presentment & Payment.

Payment Acknowledgement by Receiver:

Message from the receiver to the sender regarding payment dispositions (e.g. invoice paid, good shipped, etc.).

Request for Information & Response:

Receiver request for additional information about a payment (e.g. requesting customer account number, invoice number, or purpose of payment).

Remittance Advice:

Extensive remittance detail not included in the Credit Transfer message.

Sending money with Real-Time payments is:

• Instant - funds will be received in seconds.
• Flexible - send or receive one-time and recurring payments.
• Easy - it's all done online or via your mobile device, no need to visit the bank.
• Quick - takes seconds to set use once your company is approved.
• Secure - money goes directly into the recipient's account of choice.
• Convenient - funds can be instantly accessed and spent.
• Inexpensive - one of the cheapest on the market as there are no costs for the receiver.

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QuickBooks Integration INCLUDED!


• Automate Agent Commission Payments (and other Account Payables)
• Automate Account Receivable Collection
• One-time and Recurring Debits / Credits

QuickBooks^® Integration: Real-Time payments specializes in the origination of moving money electronically. Use QuickBooks accounting software and our online virtual terminal gateway software to send and receive Good Funds transactions over the internet.

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Have Questions?

We have fast, friendly support!.

Our in-house experts are standing ready to help you make an informed decision to move your company's payment processing forward. Allow us to offer and create an electronic payment processing program to provide you access to your funds in an expeditious manner.