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The Clearing House welcomed NACHA’s proposal to move toward a ubiquitous, same-day ACH settlement capability. Together with today's already efficient ACH, Same Day ACH and real-time payments will provide distinct payment options for customers.
On October 22, TCH and its Owner Banks announced plans to undertake a multi-year effort to build a real-time payment system to better meet consumers’ and businesses’ expectations in an increasingly digital economy. The real-time payment system will be designed to address gaps in payment options and will enable consumers and businesses to securely send and receive immediate payments directly from their accounts at financial institutions. Implementing ubiquitous real-time payments is a comprehensive multi-year endeavor, requiring coordination among financial institutions of all sizes and their service and technology providers. The innovative real-time system will be designed to address unmet customer needs and allow them to initiate payments directly from their bank accounts in a safe and secure manner.
The Clearing House is working with the nation’s leading financial institutions to develop an industry-wide credentialing solution designed to help improve the future safety and soundness of digital payments.