Directly integrated with the RTP network, send money to a recipient’s bank account in less than 60 seconds.
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Always available
Send money outside of banking hours, on weekends, and during public holidays.
No clawbacks
Payments are sent as credits so there are no returns or reversals.
Payment requests
Send a request for payment directly to a customer’s banking app.
Growing support
Reach two thirds of U.S. checking accounts.
Flexible and reliable
When every millisecond counts
Real-Time Payments are faster than ACH transfers and more available than wire transfers. With round-the-clock settlement, Real-Time Payments are the perfect tool to power flows that need off hours settlement or instant verification.
Payments are instantly available in the receiver's account. Payments move instantly from customer to vendor.
Support is broadening across banks.
Specify remittance information.
Errors happen right away, or not at all.
Learn more about RTP
Learn how RTP works
RTP sends and XML message that uses a subset of ISO 20022. Learn more about what’s in each file and what you can customize.
Banking for builders
Everything you need and nothing you don't
Direct connections to the networks for money movement. Bank accounts that open instantly. Unopinionated building blocks that don't force you into legacy patterns.
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ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
Issue cards with custom art to businesses or consumers. Approve authorizations in real-time, or configure limits programmatically.
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Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
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Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.
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Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
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FedNow
The Federal Reserve’s newest payment method. Instantly move money 24/7/365 with any participating bank.
Coming soon
Read our documentation
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Banking services provided by Blue Ridge Bank and First Internet Bank of Indiana, Members FDIC. Increase is a financial technology company, not a bank. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through First Internet Bank of Indiana and Blue Ridge Bank, Members FDIC.