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FedNow® success in 8 weeks. Don’t get left behind.

Launch the full FedNow® and RTP® experience; send, receive, request for real-time payments outside your core. Proven, revenue-ready, and trusted by leading banks.
OverviewBenefitsFeaturesFAQs

Deliver the full FedNow® experience

Offer more than just “Receive”.  Most FedNow® providers stop at the minimum. Finzly gives you the complete package:

  • Instant Send
  • Real-time Receive
  • Built-in Request-for-Payment (RfP)

Built on flexible APIs for revenue growth, with ready-to-use digital experiences that easily connect to your digital banking. Integrate easily with online and mobile banking, treasury portals, ERP/accounting platforms, fintechs, and embedded finance tools.

Business BankingConsumer Banking Teller Banking

Benefits you can bank on

All-in-One platform modernization 

Turn FedNow® into revenue; not just cost

Go beyond basic ‘receive-only’ capabilities. Finzly enables revenue-generating services like Request-for-Payment, instant disbursements, and API-based instant payments for embedded banking revenue.

Core-independent, proven at scale

Go live fast, without waiting on your core.

Skip the long timelines tied to core and digital banking systems. Tested at scale by AWS for large bank volumes, Finzly delivers FedNow® in as little as 8 weeks.

RTP® & FedNow® send experience

Send. Receive. Request; All in one platform.

Offer your customers the full FedNow® experience, including instant send, real-time receive, and built-in RfP. No partial solutions — deliver it all through one flexible API and digitalexperience

Multi-channel support

Send, request and receive instant payments 24/7, 365 days of the year through multiple channels – APIs, bulk files, digital banking and in-branch.

Seamless integration

Enjoy smooth onboarding with our ready-to-go FedNow solution that integrates with your internal systems and your core.

Instant fraud protection

With integrated real-time fraud monitoring and compliance, it’s your first and last line of defense against fraud.

Smart routing

Network outage? Processing bottleneck? Mitigate the risk of payment failures or delays by automatically rerouting transactions to other rails.

Finzly Payment Hub

Manage all payment rails in a modern, unified experience.

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Built for revenue-driving use cases

Finzly enables high-value, real-time payments through flexible APIs and intuitive digital experiences.

  • Enables utility providers and lenders to initiate payment requests with ease and speed.
     
  • ERP-connected supplier payments for corporate clients
     
  • Instant disbursements for title companies and insurers
     
  • Immediate tax refunds and government disbursements
     
  • Just-in-time payroll and treasury movement for SMBs
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"By partnering with Finzly to deliver FedNow and RTP instant payments solutions, we can provide our customers with more options beyond traditional payments methods, enabling them to move money at the speed they need, when they need it."

Aaron Wiatrek, Senior Vice President, Frost Bank

"Through Finzly's advanced payment infrastructure, we now lead the way in delivering advanced payment experiences, positioning us at the forefront of financial innovation. Finzly has been an awesome partner in that aspect, really helping us grow."

Jim Hunt, Vice President and Division Head for Cards, Payments, and Strategy, 1st Source Bank

“For us, itʼs really about building out a complete payment hub - ingesting all payment types, then using smart routing to send payments through the most appropriate and efficient rail driven by hyper-smart logic. Everything is moving better, faster, cheaper, and in real time.” 

James Dillard, SVP, Texas Capital Bank

Built for 24/7 real-time scale - proven at Big 4 bank volumes

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Insights

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Managing Risk and Fraud in Instant Payments on FedNow® & RTP®

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Instant Payments Made Easy: How credit unions can quickly modernize payment infrastructure

Instant payment adoption: Are banks future-proofing or self-limiting?

Payments trends that will define 2025

Payment modernization is coming for financial institutions in 2025. Read on for strategies to improve instant payments infrastructure, including payment hubs and cloud-based platforms

Payment Modernization Strategies for Mid-Sized Banks: Preparing for 2025 and Beyond

Instant Payments and Payments Hubs: Is a Payments Hub the Missing Piece to your Payments Puzzle?

Finzly Launches FedNow Service through Finzly BankOS Platform in AWS Marketplace

FAQs

What is FedNow and how does it work for banks?

FedNow is the Federal Reserve’s new real-time payments rail that clears and settles funds in seconds, 24/7/365. Participating banks post credits and debits immediately, giving customers instant money transfer capability and eliminating cutoff times. Finzly’s cloud-native gateway connects your institution directly to FedNow through ISO 20022 messaging, enabling seamless payment processing without changes to your core system

How is Finzly different from other FedNow service providers?

Finzly is a truly real-time payments platform that unifies FedNow, RTP, ACH, wires and SWIFT on a single payment infrastructure Built on open APIs, the platform supports instant bank transfers, request for payment (RFP), and developer sandbox access for rapid testing. Banks gain smart routing across rails, integrated fraud controls, and ISO 20022-native processing—features not offered by legacy middleware

Does Finzly offer digital experiences for customers and bankers?

Yes. Finzly provides out-of-the-box digital payment experiences for consumers, businesses, tellers, and back-office staff. Our ready-to-use digital experiences easily connect to your digital banking. Using our instant payment APIs, integrate easily with online and mobile banking, treasury portals, ERP/accounting platforms, fintechs and your own internal products like mortgage, loans etc.

Can FedNow plug into my existing core via Finzly APIs?

Absolutely. Finzly’s core-agnostic payments solution easily integrates with core and other systems like fraud, AML, OFAC, GL through RESTful, ISO 20022-compliant API documentation. 

How long does it take to go live with FedNow on Finzly?

Typical projects reach production in 8–14 weeks, aided by pre-certified FedLine connections, a payment sandbox, and a prewired ecosystem with several core providers, digital banking and other 3rd party systems.

What happens if my core system is offline?

Finzly’s shadow core functionality (virtual ledger) keeps posting FedNow transactions even if your primary core is down, protecting service-level commitments and syncing once the core returns. Customers continue to see 24/7/365 payments uptime while your ops team resolves maintenance windows.

How can banks generate revenue from FedNow payments?

Our platform powers high-value, real-time use cases using our APIs and digital experiences like:

Biller-initiated Request-for-Payment from utility companies and lenders

ERP-integrated supplier payments for corporate customers

Instant disbursements for title and insurance companies

Real-time tax refunds and government payments

Just-in-time treasury movement and payroll for SMBs

Supercharge your bank today.

Every bank needs an edge. Finzly is yours.