Real-Time Payments, Zero Complexity
Orbipay Payments Hub acts as a single gateway for banks and credit unions to access the full world of instant payments. By connecting to the RTP® network, the FedNow® Service, and Visa Direct through one hub, you can easily send and receive funds around the clock. It’s the simplest way to capture new deposits and stay competitive in a 24/7/365 economy.
Challenges
Legacy Systems Weren't Built for Real-Time
As instant payments become standard, institutions without them risk losing deposits, revenue, and relevance. Common pain points include:
Deposit outflows to real-time competitors
Lost treasury and commercial payment opportunities
Missed revenue from real-time payment use cases
Manual workarounds increase operational strain
of FIs that enable instant payments say they have at least a somewhat positive impact on customer retention
of large FIs are connected to instant payments networks
of FIs enable enterprise companies to send instant payments
of regional or national banks allow individual consumers to send instant payments
Solutions
Real-Time, 24/7, Fully Visible Payments
Stay ahead of the competition—don’t wait on your core provider. With our solution, you can offer instant payments now, using the RTP network, the FedNow Service, and Visa Direct payment rails, and deliver real-time, frictionless (Send and Receive) transactions.
All Instant Rails, One Hub
Orbipay Payments Hub integrates seamlessly with existing systems and supports every major instant payment rail—RTP®, FedNow, and Visa Direct for both Send and Receive. Financial institutions can eliminate silos and address every customer need for real-time movement, regardless of the rail being used.
As one of the largest instant payments providers in the U.S. by number of participating financial institutions, Alacriti delivers the operational scale, network experience, and regulatory readiness required for enterprise deployment.
Security & Compliance
Solving the Core Integration Gap
Implement instant payments without replacing your core
The biggest hurdle to instant payments is the fear of a total system overhaul. Orbipay Payments Hub acts as a bridge for legacy system coexistence, allowing you to launch the RTP network, the FedNow Service, and Visa Direct without a risky “rip and replace” of your existing infrastructure.
Works With Any System:
Our core-agnostic platform plugs directly into your current banking and fraud tools through a flexible, ready-to-use framework.
Bridge the Gap to the Future:
The hub handles old payment formats while providing the modern power needed for instant rails, ensuring legacy system coexistence.
Plug-and-Play Simplicity:
Use our API-first middleware to easily "plug in" new features, avoiding the technical headaches and high costs of traditional banking hubs.
A Faster Path to Results:
Skip the complex core overhaul and go live in just weeks to start growing deposits and transaction volume immediately.
Value
Why Orbipay Payments Hub for Instant Payments?
Built to power innovation, scale, and agility in payments
Orbipay Payments Hub provides a single, “always-on” platform designed to handle the speed and 24/7 demands of instant payments. It plugs directly into your current systems—without requiring a total overhaul—to help your institution:
- Manage everything in one place
- Route payments automatically
- Remove manual work
Key Capabilities
Centralized Control for Every Real-Time Transaction
Unified Payment Processing & Settlement:
Centralized processing and analytics.
Intelligent Routing:
Automatically select the optimal path for every transaction.
Fraud & Compliance Screening:
Multi-layered fraud detection and real-time OFAC screening.
Multi-Rail Orchestration:
The entire lifecycle of a payment, from initiation to settlement, on one platform.
Open API and Microservices Architecture:
Rapidly switch on new rails or use cases.
Key Benefits
The Strategic Case for Real-Time Money Movement
Reduce Operational Costs
Capture New Revenue Streams
Faster Time-to-Market
Protect and Grow Deposits
Optimized Cash Flow and Liquidity for Businesses
Customer Perspectives
We Help Customers Achieve Superior Business Outcomes
Real-Time Results: 2,300+ Transactions and $5M Moved in Two Months at ABNB
Customer
ABNB Credit Union
Industry
Credit Union
Frequently Asked Questions
What is the difference between the RTP network and the FedNow Service?
While both provide 24/7/365 instant clearing and settlement, they are operated by different entities—The Clearing House (RTP) and the Federal Reserve (FedNow). The RTP network is currently the more established rail with a longer time in market, whereas the FedNow Service is the newer rail providing nationwide reach for instant payments. Using a unified hub allows financial institutions to access both simultaneously, ensuring maximum interoperability and coverage.
How does Alacriti handle fraud for real-time payments?
Because instant payments settle in seconds, fraud prevention must happen even faster. Orbipay Payments Hub features integrated, multi-layered fraud detection and real-time OFAC screening that executes in under a second. It uses automated business rules, velocity checks, and identity verification to stop suspicious transactions without disrupting the speed of the user experience.
Can my institution support Send capabilities without a full core replacement?
Yes. Alacriti’s solution is core-independent and designed to integrate into existing legacy systems via open APIs and a flexible framework. This allows banks and credit unions to rapidly deploy Send and Receive capabilities in as little as 12 to 14 weeks without the risk and expense of a total system overhaul.
What are the primary business use cases for instant payments?
Instant payments go far beyond basic transfers; they empower high-demand services like Earned Wage Access (EWA) for gig workers, instant merchant settlements for small businesses, and immediate loan funding for consumers. These use cases help financial institutions capture new revenue streams through convenience fees while stopping deposit outflows to non-bank fintech competitors.
To better understand the FedNow Service and the RTP network, review our FedNow Service Guide and TCH RTP FAQ page for more frequently asked questions and practical insights.
Related Resources
Ready to Accelerate Your Instant Payments Strategy?
See how Orbipay Payments Hub for Instant Payments can connect you to instant payments in a short time without major changes or high fee costs.
