Real-Time Payments
Instant payments around-the-clock
Directly integrated with the RTP network, send money to a recipient’s bank account in less than 60 seconds.
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.
real-time payments funds flow
await increase.realTimePaymentsTransfers.create({
  account_id: "account_in71c4amph0vgo2qllky",
  account_number: "987654321",
  routing_number: "101050001",
  amount: 1000,
  creditor_name: "Ian Crease",
  remittance_information: "Invoice 29582"
});
Use cases
Digital wallets
Instantly pay out or top-up digital wallets from external bank accounts.
Auto sales
Complete auto purchases on weekends and outside of bank operating hours.
Contractor payments
Pay contractors within minutes of completing their work.
Reimbursements
Reimburse employees in real-time for company expenses.
Bare-metal APIs
Every detail directly from The Clearing House
Raw rejection details
rejection
Instantly receive detailed rejection codes and notes to help you understand the specific reason for a failed payment.
Transaction identification
transaction_identification
Immediately receive a unique transfer identifier from the RTP network to confirm a payment was sent.
Source account number
debtor_account_number
Instantly verify the account ownership of a third party by checking the account number in a received RTP.
Real-Time Payments for developers
Send a Real-Time Payment
Request a Real-Time Payment
Check bank support
await increase.realTimePaymentsTransfers.create({
  account_id: "account_in71c4amph0vgo2qllky",
  account_number: "987654321",
  routing_number: "101050001",
  amount: 1000,
  creditor_name: "Ian Crease",
  remittance_information: "Invoice 29582"
});
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 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.
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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.
ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
Learn more
Bank Accounts
Flexible account constructs with unlimited account numbers.
Learn more
Cards
Issue custom cards to your customers. Approve authorizations in real-time and configure your own limits.
Learn more
Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
Learn more
Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.
Learn more
Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
Learn more
FedNow
The Federal Reserve’s newest payment method. Quickly move money 24/7/365 with any participating bank.
Coming soon
Read our documentation
Learn more
Increase is not a bank. Banking products and services are offered by Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. 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 Grasshopper Bank, N.A., Member FDIC and First Internet Bank of Indiana, Member FDIC. FDIC deposit insurance only covers the failure of the FDIC insured bank.