Faster Bank Payments

Leverage ACH, Real-Time Payments (RTP), and FedNow for same-day settlements, improved cash flow, and up to 70% savings compared to credit card processing.

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Faster Payments

The Future of Payment Processing

Bank-to-bank payments are revolutionizing how businesses accept payments. With no interchange fees, faster settlement, and significantly lower costs, faster bank payments offer a compelling alternative to traditional card processing while improving your cash flow and reducing fraud risk.

Payment Rail Options

ACH Processing

Same-Day & Next-Day Settlement

The Automated Clearing House (ACH) network processes electronic bank-to-bank transfers with same-day and next-day options. Perfect for recurring payments, invoicing, and high-volume transactions.

  • Same-day ACH available
  • Lower fees than cards
  • Ideal for recurring billing
  • Batch processing capable

Real-Time Payments (RTP)

Instant 24/7/365 Settlement

The RTP network from The Clearing House enables instant payment settlement any time, any day. Funds are available immediately with real-time confirmation and irrevocable transactions.

  • Instant settlement (<10 seconds)
  • 24/7/365 availability
  • Irrevocable payments
  • Rich remittance data

FedNow Service

Federal Reserve Instant Payments

The Federal Reserve's instant payment infrastructure provides real-time, secure transactions with immediate availability. Built on the trusted Federal Reserve network for maximum security and reliability.

  • Federal Reserve backed
  • Instant settlement
  • Maximum security
  • Wide bank coverage

Cost Comparison: Bank Payments vs. Cards

Save Up to 70% on Processing Fees

Bank payments eliminate interchange fees and significantly reduce processing costs compared to credit card acceptance.

Credit Card Processing

  • Interchange fees: 1.5% - 3.5% per transaction
  • Assessment fees: 0.13% - 0.15%
  • Processor markup: 0.10% - 0.50%+
  • Monthly fees: $10 - $50+
  • Chargeback fees: $15 - $100 each
  • Total effective rate: 2.5% - 4.0%+

Bank Payment Processing

  • ACH fee: $0.25 - $1.00 per transaction
  • RTP/FedNow: $0.045 - $0.50 per transaction
  • No interchange fees
  • No assessment fees
  • Minimal chargeback risk
  • Total effective rate: 0.5% - 1.0%

Example Savings Calculation

Monthly Processing Volume: $100,000

Credit Card Processing

3.0% effective rate

$3,000/month

Bank Payment Processing

0.75% effective rate

$750/month

Monthly Savings

$2,250

Annual Savings: $27,000

Key Benefits

Dramatically Lower Fees

Save up to 70% compared to credit card processing with no interchange fees on bank transfers. Flat-rate or per-transaction pricing means predictable costs and significant savings, especially for high-ticket or high-volume businesses.

Same-Day & Instant Settlement

Get access to your funds faster with same-day ACH and instant RTP/FedNow settlements. No more waiting 2-3 days for card settlements. Improve cash flow and working capital with immediate access to your money.

Improved Cash Flow

Better working capital management with faster access to funds and predictable settlement times. Reduce days sales outstanding (DSO) and improve your ability to pay suppliers, invest in growth, and manage operations.

No Chargebacks

Bank transfers are final and irrevocable, eliminating chargeback risk and associated fees. No more costly disputes, chargeback fees, or representment costs. Reduce fraud losses and administrative overhead.

Bank-Level Security

All transactions secured with bank-grade encryption and authentication protocols. Leverage the security infrastructure of the Federal Reserve and major banking networks. Reduce fraud risk with account verification.

Perfect for Recurring Billing

Ideal for subscription businesses, SaaS companies, and any business with recurring revenue. Lower costs mean higher margins on subscription revenue. Reduce involuntary churn from expired cards.

Easy Integration

Simple API integration with your existing systems, shopping carts, and billing platforms. Support for all major eCommerce platforms, ERPs, and accounting systems. Developer-friendly documentation and SDKs.

Rich Payment Data

Include detailed remittance information with payments for easier reconciliation. Attach invoice numbers, PO numbers, and other data directly to the payment. Streamline accounting and reduce manual reconciliation work.

Ideal Use Cases

Subscription Businesses

Recurring billing for SaaS, memberships, and subscriptions with lower fees and no card expiration issues

B2B Payments

High-value business transactions with lower percentage fees and better cash flow management

Invoice Payments

Net terms and invoice payments with rich remittance data for easy reconciliation

High-Ticket Items

Large purchases where percentage-based card fees become prohibitively expensive

70% Lower Fees vs Cards
24/7 RTP Availability
<10s RTP Settlement Time
0% Chargeback Risk

Technical Capabilities

RESTful API

Modern REST API with comprehensive documentation, code examples, and SDKs for all major programming languages. Webhook support for real-time payment notifications.

Account Verification

Instant bank account verification using micro-deposits or instant verification via open banking APIs. Reduce fraud and failed payments with verified accounts.

Payment Scheduling

Schedule one-time or recurring payments for future dates. Perfect for subscription billing, installment plans, and automated invoicing.

Real-Time Notifications

Instant webhooks for payment status updates, settlements, and exceptions. Keep your systems in sync with real-time payment data.

Ready for Faster, Cheaper Payments?

Start accepting bank payments and improve your cash flow while saving thousands on processing fees.

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