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Real-time Payments

This new system allows consumers and businesses to send and receive payments instantly, directly from their accounts at financial institutions. It also includes data and non-payment messages that financial institutions can use to build innovative digital commerce solutions.


The system is all new, built for a digital economy.

-  24 x 7 x 365
-  Fast and final
-  Modular architecture to adapt
    to changing needs

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Banks are combining payments, data and messaging capabilities to create services like:

-  Business invoicing
-  Just-in-time supply orders
-  Insurance claim disbursements

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For All

TCH's Real-time Payments System will be open to all U.S. depository institutions

Consistent with Federal Reserve and CFPB guidelines

Compatible with global standards

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