Your customers aren’t asking if they can pay a business instantly—they assume they can. And if your app doesn’t offer that experience, they’ll find one that does.
Whether it’s a last-minute utility bill, loan payment, or same-day rent, consumers expect speed, certainty, and convenience—from their phone, in real time.
That expectation is your opportunity.
Instant payment rails like the FedNow® Service and RTP® allow your institution to enable real-time consumer-to-business (C2B) payments—
- No third-party app in the middle
- No card fees or limitations
- No lost deposits
- No confusion or disconnect
Just instant payments and confirmation, embedded directly inside your digital banking experience.
With Aptys, your FI stays front and center in your customers’ financial lives—right where it belongs.
“Can I pay this now and be sure they get it today?”
When a customer says something like that, they’re describing a C2B payment need—and they expect real-time delivery. They want to send a payment immediately and know the business receives it just as fast.
They’re not looking for a workaround—they’re looking for a way to pay instantly through you. Whether it’s rent, a utility bill, or a donation, they want to send money in seconds—without turning to a fintech or outside app. If your FI doesn’t offer that option, they’ll find one that does.
What your customers are really saying:
- “Can I pay my bill right now so I don’t get a late fee?”
- “Can I pay with my phone right now?”
- “Is there a way to send a tip or donation instantly?”
Common use cases:
- Bill payments (utilities, insurance, phone etc...)
- Rent or loan payments
- Tips or donations via QR code
- Service payments (salons, plumbers, etc.)
Why it matters to your customers:
- They can pay instantly, from their phone
- Avoids late fees and disconnects
- Keeps financial activity within your institution’s app
Why it matters to your institution:
If you’re not offering real-time payments, your customers are already finding someone who is. Don’t let fintechs set the pace—position your FI as the modern, always-on option they expect.
- Drives high-volume, recurring transactions
- Keeps your FI at the center of everyday spending
- Supports local businesses with consistent cash flow
Powered by Aptys
Aptys enables instant, secure C2B payments—so you don’t lose business to someone else’s app. Bring real-time confidence to every transaction with Aptys Solutions.