Our Services / Deposit Operations Instant Pay Related Services Links Related Services Client Services Operations Services Electronic Products Instant Pay International Payment Services Jump to Section FNBB now offers Instant Pay: a new service designed to meet the individual needs of our shareholder and client banks’ strategic goals to provide their customers with instant payments. Instant Pay is a SaaS solution for any financial institution to connect to payment rails from the FedNow® Service and The Clearing House RTP®, providing safe and efficient instant payment services 24 hours a day, 365 days a year. Instant Pay’s data security, transaction value limits and reporting help reduce the risk of fraud. With integration to a FIs core, this modular end-to-end solution provides a direct connection to either network and the power to process Receive and Send transactions in seconds with immediate settlement to your customer’s account. Instant Pay Service Increase customer retention and strengthen relationships Secure and instant access to transaction and accounting information Faster cash flow Improve customer experience Manage all payment types through a single system Management of liquidity needs for a 7-day accounting cycle Minimized up-front costs Implementation assistance Ongoing support and education from your trusted partner Instant Pay Settlement Serving as a funding agent to facilitate the settlement of FedNow and RTP is FNBB’s first step in the building of our Instant Pay Service. As a funding agent, FNBB offers settlement of FedNow and RTP transaction through NetLink for secure and instant access to accounting information in a real-time environment. Liquidity management will help banks maintain available funds necessary to settle transactions 24/7/365. Features and Benefits Enrollment as Receive Only participant Facilitates settlement and liquidity management Secure connection via NetLink Account Activity dashboard Reconcilement reporting for weekday and weekend postings Notifications and reporting Instant Pay Receive Community financial institutions can receive real-time payments by using FNBB’s Instant Pay service. Instant Pay connects to the FedNow and RTP rails and supports the ISO® 20022 standard format. Instant Pay Receive integrates to the bank’s core; payments are posted in real-time with detailed confirmation of the transaction. Features and Benefits 24/7/365 access Connect to all networks, FedNow and RTP Real-time core system integration Automated posting to your customer’s account Instant Pay Send Coming soon! Instant Pay Use Cases Let's Connect We want to help your community bank grow. Our local expertise and support, combined with the highest quality service and experienced specialists, translates into winning solutions for our customer banks and their customers. Get Started →