Real-Time Payments

Bring your payments up to speed.

It’s no longer acceptable for payment transactions to take days to clear. Customers now expect their money to move in real-time, which makes real-time payments table stakes for your financial institution. From strategy through to launch, we ensure a successful RTP initiative that revolutionizes the way you do business.


Making RTP Work for You

We provide strategic insight, technical expertise, and lessons learned to create the most efficient and effective way of approaching and implementing a Real-Time Payments (RTP) strategy. If you are thinking about RTP, we help build out the strategy that best fits your organization, then implement that solution with our team of experienced, in-house technical experts.

Real-time Payments Strategy & Assessment

We support the assessment of your current RTP strategy and provides product support to successfully position real-time payments both within the market and your organization. Our industry insight, as well as detailed expertise with real-time payments, provide a unique perspective allowing efficiency and effectiveness from strategy to launch.

Vendor Selection

We assist in vendor selection for both real-time payments vendor offerings, as well as supporting vendors for a real-time payments strategy.

Ideation and Use Case Development

With a one-to-three day workshop, we create and assess current use cases based on your client portfolio, building detailed customer journeys to provide a customer-centric approach to your use of RTP. This creates opportunities for competitive differentiation and targeted solutions for your key customer segments.

Stakeholder Education

Information sessions on-site or via a web connection explain what real-time payments is, why it matters, the use cases, and other tailored RTP information to meet your organization’s needs.

Real-time Payments Planning

We support the creation of business requirements, creating solution architecture, and defining the technical design of your RTP implementation. We work alongside you to provide a comprehensive plan that ensures your implementation of RTP is successful.


We provide product support for business requirements and technical requirements discovery and documentation.


Detailed solution architecture including your internal infrastructure, vendor-supplied applications, and a chosen RTP vendor, as applicable.

Technical Design

We develop business requirements into tactical steps, providing a technical roadmap of detailed phases in which the real-time payments product can be implemented across the enterprise, detailing what existing and new services, as well as technical capabilities, are required.

Real-time Payments Technical Implementation

Our experience and knowledge of real-time payment systems result in decreased time to market using our skilled, in-house development resources. Our broad implementation experience gives us the confidence to discover and identify surprises early in the process as we work alongside your resources to implement RTP as a product across the enterprise.

Cloud Architecture

We develop a cloud strategy to enhance real-time payments capabilities, and ensure technology stacks and infrastructure are well prepared for a real-time environment. We assist with finding vendors with hosting capabilities to align with your unique needs. We assess moving testing environments to the cloud for faster setup and teardown along with increased flexibility.


We deliver strategic decisions that will increase your ability to deliver applications and services at high velocity.

Application Development

We provide technical delivery of real-time payments strategy, from development to product release. We provide a direct integration to TCH—or assist with a vendor integration—with a specialization in proper architecture and development of any necessary wrappers, orchestration, or translation layers, ensuring the best fit with your systems.

Operational Impact Assessment

We provide an end-to-end assessment of all operational processes to discover the organizational impact of implementing a real-time payments product. This includes reporting findings and suggesting potential solutions for any impacts found.

The Time is Now

Real-Time Payments will quickly become the industry standard, because the market expects it. Take advantage of our experience and accelerate your adoption of the new standard.

Selected Experts

Scott Harkey

Chief Strategy Officer

Greg Lloyd

Senior Director, Financial Services


2021 Real-Time Payments Market Insight Report


Video Series: Digital Innovation and the Cloud


What is FedNow and How Does It Impact The Clearing House’s Real-Time Payments?


Let's chat.

You're doing big things, and big things come with big challenges. We're here to help.

Related Work

Improving Digital Payments Infrastructure in a Global Market

Creating a payments engine RFP for a US-based Fortune 100 company

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2021 Real-Time Payments Market Insight Report

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Video Series: Digital Innovation and the Cloud

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