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Move Money Instantly With RTP® On The VoPay Platform

Send funds in real-time to US bank account holders 24/7/365.

Speed up cash flow and drive more revenue for your business by offering instant payouts on your platform as part of our Payments-as-a-Service solution.

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Make Payments Happen In Real-Time

Access real-time settlement of funds when sending payments to US bank accounts.

Embedded RTP
Payments

Embedded RTP Payments

Embed RTP payments into your platform using our API and monetize the transaction journey.

Request For
Payment

Request For Payment

Use our Request For Payment (RFP) functionality to send payment requests to participating banks.

Higher Sending
Limits

Higher Sending Limits

Send up to $1 million in a single payment with flat-rate transaction fees and process RTP payments in bulk.

24/7/365 Instant
Payouts

24/7/365 Instant Payouts

Move money in real-time with no down-time and reap the benefits of no clearing times, no NSFs and no reversals.

Level-Up Business Operations With Real-Time Payment Rails

Transform how you make enterprise payments in the US with real-time transactions on the RTP network.

Use our payments platform to deposit funds into US bank accounts in real-time to accelerate cash flow and move funds with confidence.

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Tokenize Customer Bank Accounts To Secure RTP Transactions

Securely request customer bank account details using our white-label payment link product eLinxTM to generate a token which can be used for future payouts.

eLinx requests can be sent to customers via email or text, and the entire workflow can be embedded into existing platforms or applications.

Explore Payment Links

Tokenize Customer Bank Accounts To Secure RTP Transactions

Securely request customer bank account details using our white-label payment link product eLinxTM to generate a token which can be used for future payouts.

eLinx requests can be sent to customers via email or text, and the entire workflow can be embedded into existing platforms or applications.

Explore Payment Links

Enhance Cashflow And Collections With Instant Request For Payment

Send payment requests to help you collect owed funds faster and at a higher rate than simply waiting for funds.

Reduce the amount of time spent chasing payments by handling everything through the RTP network.

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Real-Time Payouts for Any Industry

Our integration recipes are designed to give businesses in any industry the tools to start processing RTP transactions as quickly as possible.

Gig Economy

Faster earned wage payouts for workers to keep them loyal to your platform.

Lending

Attract more customers to your business with instant loan payments.

Property

Expedite payments to your suppliers and improve commercial activities.

Account To Account

Move money between US bank accounts instantly with no clearing times.

Payroll

Send instant payouts to company staff to meet your payroll needs.

Dedicated Payment Portal For RTP Transfers

Use our Payment Portal to send and collect payments across multiple payment rails, including payouts via RTP.

Manage your transactions, view your account balances and access detailed financial reporting to gain valuable insights into user behavior.

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Access Our API For Full Control Of RTP Payments

Our payment API comes full loaded with everything you need to manage the complete payment lifecycle.

Send RTP payments with our revolutionary API that comes with predefined recipes and over 250 endpoints.

  • cURL
  • JavaScript
  • PHP
  • Python

Access Our API For Full Control Of RTP Payments

Our payment API comes full loaded with everything you need to manage the complete payment lifecycle.

Send RTP payments with our revolutionary API that comes with predefined recipes and over 250 endpoints.

Frequently Asked Questions

What is the RTP network?
The RTP network, created by The Clearing House, is a real-time payments system. It's the first major update to the US payments infrastructure in over 40 years. Financial institutions can access the RTP network directly through The Clearing House or via a third-party provider. This network enables quick 24/7/365 money transfers for individuals and businesses within seconds.
Who is the RTP network for?
The RTP network is for any business that wants to send money in real-time, or companies that want to offer its users instant sending and receiving capabilities.
What are real-time payments?
Real-time payments are payments that clear and settle almost instantly, with funds moving from payor to payee in real-time, without the need for a clearing period.
Should I offer RTP along with ACH, wires, and other payment products?
Adding RTP to your payment options provides your customers with more choices and flexibility in terms of speed and delivery methods. This enhances the value you offer to them.
Is the RTP network available internationally?
No, the RTP network is exclusively designed for making payments between bank accounts within the United States. Both the sending and receiving banks must be participants in the RTP network for transactions to take place.
Are there transaction limits for RTP?
At present, credit transactions of up to $1,000,000 per transaction are allowed as per The Clearing House guidelines.
Are RTPs (Real-Time Payments) secure?
Yes, they are, thanks to a robust process known as tokenization, which hides sensitive data when it is transmitted.

Learn More

Talk to a Fintech Advisor Today!

1. Speak To Our Team

Speak to a Fintech Advisor to outline your needs and impact plan.

2. Access Sandbox

Start testing in the VoPay sandbox to explore our advanced API functions.

3. Sign & onboard

Our compliance and onboarding team will guide you through the process.

4. Go live!

Choose a production date and launch your integration with confidence!

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Talk with our sales team

We are happy to answer your questions. Fill out the form and we will have one of our team members contact you.