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INSTANT PAYMENTS SOLUTION

Instant Payments

Get an embedded, lightning-quick solution to send, receive, and settle funds automatically and directly from your platform via RTP and FedNow.

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Explore Our APIs
WHY USE THE INSTANT PAYMENTS API?

Move Money Instantly –To Anyone, Anytime, From Anywhere.

Send or receive funds faster and easier than ever, securely and with real-time settlement, with Cybrid's Instant Payments API.

padlock-check (3) Connect with 70% of US Banks

Access over 70% of US banks via the RTP network and reach additional financial institutions through FedNow.

  
api (2) Settle Funds Instantly

Settle payments and funds in a matter of seconds — not business days. Whether through FedNow or RTP, funds are deposited when they're needed, not just during business hours.

  
expense (1) Boost Operational Efficiency.

Automate payment workflows using Cybrid's Instant Payments API to reduce manual work, streamline processes and eliminate data entry.

  

Seamless, Compliant Payments in Just 60 Days – Ready to Transform?

Experience the power of a cutting-edge payment orchestration platform. Book your free demo today!

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WHAT WE OFFER

Instant Payments Directly From Your Platform

EMBEDDED INSTANT PAYMENT
COMPLIANT
SECURE
AFFORDABLE
CUSTOM

Embed Instant Payment Processes Into Your System

Embed instant payment processes seamlessly into your existing platform. Enable automated  payments via RTP and FedNow, making instant settlements across the U.S. banking system simple and efficient for your business.

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ACH Payment API

Access the Real-Time Payments Network

Easily access both RTP and FedNow networks without needing to be a federally insured depository institution. Leverage Cybrid’s robust, secure, and compliant infrastructure to create a seamless, turnkey experience for enabling instant fund movements across businesses and consumers.

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Access the Real-Time Payments Network

Secure Movement of Funds

With $55 billion moved across RTP in Q2 2024, and FedNow rapidly scaling adoption, Cybrid's Instant Payments API ensures secure, real-time transactions. Built with industry-standard compliance, strong authentication protocols and real-time fraud monitoring, your transactions are fully protected.

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Secure Movement of Funds

Cost-Effective Instant Payments

Lower financial operation costs by leveraging RTP and FedNow. Both networks offer a faster, more affordable way to move money compared to traditional payment systems.

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API For ACH Payments

Customized to Your Needs

Cybrid's Instant Payments API adapts to your business. Test your implementation in our developer sandbox before moving to production, with full support for instant payment workflows.

Whether integrating basic instant payments or automating complex payment processes, Cybrid’s flexible API is built to fit your specific needs.

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Enable the Power of Crypto Payments
WHY CYBRID?

Revolutionize Your Payment Infrastructure With Cybrid's Instant Payment Platform

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Domestic Payment Platform for Businesses

Access domestic instant payment solutions alongside cross-border capabilities, powered by RTP, FedNow, and more.
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Hassle-FreeCompliance

Easily achieve and maintain compliance with financial regulations without building your own infrastructure.
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Quick, Easy Launch

Enable instant payments in just in just 8 weeks.
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Payments for People(B2C/P2P)

Process instant payments for consumers and individuals with simple, integrated functionality for B2C and P2P payments.
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Payments for Businesses(B2B)

Streamline and secure B2B transactions using RTP and FedNow for instant settlement.
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Access toCrypto

Enable seamless payments with stablecoins (USDC) and Bitcoin Lightning through Cybrid's crypto and fiat on- and off-ramps.
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Developer-Preferred Sandbox

Build, customize and test your Instant Payments API in an isolated, secure sandbox environment.
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FullSupport

From setup to launch and beyond, Cybrid's team provides hands-on ongoing support for your payment needs.
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Multiple Payment Rails

Enable and manage multiple payment rails from the Cybrid platform. FBO, crypto, FIAT, ACH, digital wallets and now RTP and FedNow.
Q & A

Frequently Asked Questions

We've summarised the most frequently asked questions to help you get started with learning more about Cybrid.

What is the Instant Payments API and how does it work?

Cybrid's Instant Payments API enables instant fund transfers by connecting to both the Real-Time Payments (RTP) network, operated by The Clearing House, and the FedNow network, operated by the Federal Reserve. These networks allows businesses to send, receive, and settle payments in real-time, 24/7, without relying on traditional banking hours.

By embedding the Instant Payments API into your platform, you can facilitate secure, immediate payments with real-time confirmation. This integration streamlines payment workflows, enhances efficiency and provides faster access to funds for both individuals and businesses. 
How quickly can I implement the Instant Payments API into my platform?

With Cybrid's Instant Payments API, you can integrate real-time payment functionality into your platform in as little as 8 weeks. This rapid implementation allows you to start processing secure, instant payments without long development cycles. 

Cybrid’s infrastructure ensures seamless integration with both RTP and FedNow, reducing complexity and providing a straightforward setup process. The API is developer-friendly, allowing you to customize and test your workflows in a sandbox environment before going live.
What are the benefits of using the Instant Payments API?

The Instant Payments API offers several advantages: 

  • Instant Fund Transfers: Process payments in real-time, 24/7, through RTP and FedNow.
  • Broad Coverage: Access over 70% of U.S. banks with RTP and additional institutions via FedNow.
  • Enhanced Operational Efficiency: Automate payment workflows, reducing manual errors and improving accuracy.
  • Secure Transactions: Benefit from real-time fraud monitoring and compliance with industry standards.
  • Customer Satisfaction: Provide a seamless and reliable payment experience for both individuals and businesses.

By leveraging Cybrid’s API, you can modernize your payment infrastructure and stay competitive in today’s fast-paced economy.
Are there limitations to using RTP to move funds?

Yes, there are some limitations. Both RTP and FedNow are currently limited to transactions within the United States and do not support cross-border payments. Cybrid’s domestic and cross-border payment platform can help overcome those limitations (Ask us how!).

Additionally, there are transaction amount limits set by each network and may vary by financial institution. 

Both RTP and FedNow primarily support credit transfers and do not currently offer direct debits. 

Despite these limitations, RTP and FedNow provide fast, reliable and secure options for domestic payments.
How is RTP different from other payments?

RTP and FedNow differ from traditional payment methods like ACH or wire transfers in several key ways:

  • Instant Fund Transfers: Payments settle in seconds, 24/7, unlike ACH which processes in batches and can take days.
  • Cost Efficiency: Lower transaction fees compared to wire transfers, which are limited to business hours and often incur higher costs.
  • Real-Time Confirmation: Immediate payment status updates enhance transparency and trust.
  • Additional Features: Support advanced capabilities like payment requests and message attachments, providing more flexibility than other methods.

To explore if instant payments via RTP and FedNow are right for your business, contact our team.

Learn | Wire Transfers

Interested in embedding wire payments into your application, but want to learn more about the wire payment rail? Be sure to head to our Learn Academy to read up on a wide variety of payment related topics.

Learn about Wire Transfers

Trusted by Businesses Using Payments & Transfers Solutions

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What Our Customers Say?

“Cybrid enabled us to reduce transaction processing time by 50%, improve operational efficiency by 40%, and achieve 3x growth within six months. Their seamless integration with our systems, robust compliance automation for KYC, KYB, and AML checks, and top-tier support allowed us to launch in production within twenty-two days."

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Nagarjuna MalempatiFounder & CEO
"The exceptional support from the Cybrid team has made the entire journey seamless and efficient. They truly understand our business, providing access to more payment rails and helping us achieve a projected 15% month-over-month growth in fund disbursement volumes via RTP. This has significantly reduced friction in our processes and improved the overall experience for our customers."
BEN MEEDER
Ben MeederCofounder & CTO
"We needed a cost-effective partner to launch our stablecoin-powered payments solution on WhatsApp, and Cybrid exceeded our expectations. Their platform offered all the essential features while helping us conserve capital as we scaled. The team was incredibly supportive and adaptable, giving us full confidence in the long-term potential of our partnership. Thanks to Cybrid, we can now accept payments in the US cost-effectively, giving us a significant competitive advantage in the market."
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Rahul ChaudharyFounder & CEO