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What Platforms Support Real-time Payments in the Us?

In the United States, real-time payments are primarily supported by two major networks that facilitate immediate, 24/7/365 electronic fund transfers:

  1. The RTP Network: Established by The Clearing House, this network offers 100 percent uptime and supports instant transactions of up to $10 million. It currently reaches approximately 71 percent of U.S. demand deposit accounts through over 950 participating financial institutions.
  2. FedNow: Developed by the Federal Reserve, this service provides similar real-time capabilities and integrates with existing systems at banks and credit unions of all sizes. It is notable for supporting rich messaging features, such as those used for invoice payments.

For businesses to utilize these platforms, they must use compatible hardware and software. Point-of-Sale (POS) systems like Clover and Revel are highlighted as platforms that integrate with these networks to enable instant processing and faster liquidity for merchants.

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© The POS Brokers. All rights reserved.

POS Brokers, LLC is a registered ISO of BBVA USA, Birmingham, Alabama – Member FDIC

The Clover name and logo are owned by Clover Network, Inc., a wholly owned subsidiary of First Data Corporation. All other trademarks are the property of their respective owners.

New Merchant Account required.* Merchant must qualify for free or discounted hardware. Not all accessories apply.

*Limit of one (1) Discounted Clover Mini, or one (1) other Clover POS system. New Customers only. Buyer must open a Merchant Account through us for use with the Clover POS System. Ask your Sales Representative for complete details.

Get the Best Credit Card Processing Solutions for Your Business.

© The POS Brokers. All rights reserved.

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Get the Best Credit Card Processing Solutions for Your Business.

2026 © The POS Brokers. All rights reserved.

POS Brokers, LLC is a registered ISO of BBVA USA, Birmingham, Alabama – Member FDIC

The Clover name and logo are owned by Clover Network, Inc., a wholly owned subsidiary of First Data Corporation. All other trademarks are the property of their respective owners.

New Merchant Account required.* Merchant must qualify for free or discounted hardware. Not all accessories apply.

*Limit of one (1) Discounted Clover Mini, or one (1) other Clover POS system. New Customers only. Buyer must open a Merchant Account through us for use with the Clover POS System. Ask your Sales Representative for complete details.

POS Brokers is a registered ISO of Citizens Bank, N.A., Providence, RI

The Clover name and logo are owned by Clover Network, Inc., a wholly owned subsidiary of First Data Corporation. All other trademarks are the property of their respective owners.