DIFFERENCES BETWEEN FEDNOW AND RTP
A table summarizing the differences between the US Federal Reserve’s FedNow and the Clearinghouse’s RTP
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ACH
WHAT IS AN ACH DEBIT & HOW CAN THEY BENEFIT BUSINESSES? (ACH at POS)
This article describes the various use cases for ACH debit, including at Point-of-Sale.
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SAME DAY ACH VOLUME 2021
A slide showing same day ACH volume in 2021.
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TOP ACH ORIGINATORS BY VOLUME 2022
A slide showing the top ACH originators in 2023.
TOP ACH ORIGINATORS BY VOLUME 2022 Read More »
WHAT IS FEDNOW? A GRAPHIC COMPARISON OF FEDNOW AND THE ACH
A slide showing a graphic representation of how FedNow works compared to the ACH.
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THE FRAGMENTED US PAYMENTS LANDSCAPE 2023
This slide presents a table showing the current fragmented state of the US payments landscape, suggesting that it can be simplified going forward.
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HOW FASTER PAYMENTS WILL IMPACT FINTECHS
A slide showing graphicly how same day and realtime payments may impact fintechs, including insurance, healthcare and other verticals with a strong payments component.
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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
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THE CLEARINGHOUSE’S RTP NETWORK
A brief report describing the Clearinghouse’s real-time payments network (RTP),
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TECH TALK: THE ROAD TO REAL-TIME PAYMENTS
A video presentation by John Anderson of PLAID, Lily Varon of Forrester, and Akashi Desai of Novo, about the state of real-time payments, with a special focus on fraud.
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