Instant Pay Banner Image2

Elevate your game with our
real-time payments
solution

// API Integration
// Shared Gateway Connection to RTP
// Shared Connection to the FedNow Service
// Extensible Technology

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Enhance your banking
experience with
ACH Solutions

// API Integration
// Shared Gateway Connection to RTP
// Shared Connection to the FedNow Service
// Extensible Technology

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Make the jump and establish your FI as a leader
in real-time payments

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Through our unified payments platform, PayLOGICS, Instant Pay provides financial institutions with end-to-end, real-time payment services to satisfy every customer’s needs providing them with the power to process transactions in seconds and connect to the FedNow™ Service and RTP™ using Aptys’ gateway service.

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Why Our Solution?

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List Icon LogoONE system to manage both RTP and the FedNow℠ Service

List Icon LogoShared gateway connection to the FedNow℠ Service and The Clearing House

List Icon LogoFaster payments expertise on staff bringing simplicity to complexity

List Icon LogoExtensible technology

List Icon LogoAPI Integration

Instant Pay modules left image

Our Instant Pay modules include:

  • Send:  Originate in the Instant Pay UI or accept originated transactions via the Instant Pay API to validate, process, post to the core, and communicate with the real-time networks.  
  • Receive:  Receive transactions and communicate with the networks using the Instant Pay Receive module which will provide customers with immediately posted transactions into their account.   
  • Manager:  Offer settlement services to customers for real-time rail networks, the FedNow℠ Service and RTP.  Post transactions in real-time and reconcile using the Instant Pay Manager reconciliation screen.

Our real-time payment solution offers API connectivity providing banks and credit unions with improved operational efficiencies, FDIC compliance, and a holistic customer experience across all payment channels.

Instant Pay Benefits

  • An alternative solution for FI’s
  • End-to-end capabilities
  • Send, receive, and settlement capabilities
  • Open API technology allows for Instant Pay to become part of an overall strategy
  • Flexible platform for managing all payments including ACH, wires, check, and real-time payments

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