instant payments Implementation Checklist
Your Roadmap to Real-Time Instant Payments Success
The real-time payments revolution is here, and financial institutions that fail to adapt risk losing deposits, customers, and competitive positioning. Whether you're just starting your journey or refining your approach, this step-by-step checklist ensures you're covering all critical areas for a successful instant payments rollout.
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This practical guide will help you streamline implementation, reduce risks, and unlock growth opportunities.Instant payments are no longer an option—they’re a necessity.
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“I worked with Marcia on implementing RTP Send with my bank and she was an integral part of us completing that project on time without open exceptions. She provided a clear roadmap, exceptional partner meetings, and provided excellent feedback. Her knowledge and direct connections with The Clearing House were game changers – we couldn’t have done it without her!”
why this checklist is essential:
📌 Stop customer leakage – Keep deposits within your institution instead of losing them to larger banks.
📌 Gain a competitive edge – Attract small businesses looking to optimize cash flow with real-time payments.
📌 Navigate implementation with confidence – From network selection to fraud prevention, this guide has you covered.
Inside the checklist you'll discover:
🔹 Strategic Readiness – How instant payments fit into your business model.
🔹 Network Selection – Choosing between FedNowSM and RTP®.
🔹 Implementation Strategy – Receive-only, Send, and Request for Payment (RfP) options.
🔹 Technology Considerations – Identifying the right providers and integration steps.
🔹 Fraud & Risk Management – Best practices for mitigating threats.
🔹 Customer Education & Adoption – How to position instant payments for success.
Who Should Use This?
✅ Financial institutions exploring FedNowSM or The Clearing House RTP®.
✅ Banks and credit unions seeking clarity on real-time payments implementation.
✅ Executives and product leaders evaluating "build vs. buy" strategies.