Move Money Instantly Between Accounts— on Your Terms
Enable seamless Account-to-Account (A2A) transfers between customers’ internal accounts and those held at outside FIs. With real-time speed, intelligent routing, and full-lifecycle visibility, our solution allows banks and credit unions to modernize money movement without disrupting core systems.
Problem
A2A Transfers Should Be Simple—but Often Aren’t
Financial institutions face growing pressure to deliver fast, intuitive transfer experiences—yet legacy systems make it difficult. Common pain points include:
Transfers take days to take place when customers want them now
Limited visibility into external accounts and balances
Inconsistent experiences across ACH, instant, and card rails
Lack of real-time status visibility
Manual processes and fragmented workflows
Missed non-interest income opportunities from premium transfer options
Increasing fraud risk without embedded controls
Transfer Volumes are Going Up
of consumers list A2A as a top instant payment use case¹
of consumers choose faster payments as a preferred method ¹
in A2A transaction value is projected globally ²
growth in global A2A transaction value is expected over the next 5 years ²
Solution
A Modern, Multi-Rail Approach to A2A Transfers
Orbipay A2A Transfers delivers fast, flexible, and secure Account-to-Account payments through a single, unified experience. It supports ACH, the RTP® network, the FedNow® Service, and Visa Direct, using intelligent routing to choose the best rail based on speed, cost, and availability. With real-time balance validation and instant payment confirmation, it integrates seamlessly into your digital banking experience.
Drive Non-Interest Income With Tiered Pricing
Give accountholders the power of choice. Monetize your faster payments strategy by offering tiered delivery options: provide standard 3-day ACH transfers for free, or offer instant funding for a premium fee. Orbipay A2A Transfers makes it easy to align payment speed with individual price sensitivity, ensuring the right fit for every user.
Value
Why Orbipay A2A Transfers?
Built to deliver speed, control, and flexibility in Account-to-Account transfers
Unlike point solutions or basic transfer capabilities embedded in digital banking platforms, Orbipay A2A Transfers is built on a modern, multi-rail orchestration layer.
- Offering the best payment option for you and your account holder
- Operator-agnostic support for ACH, Wire, RTP®, FedNow®, and Visa Direct
- Centralized rules engine for routing, limits, and controls
- Cloud-native, API-first architecture
- Designed to evolve as new rails and use cases emerge
Key Capabilities
Intelligent, End-to-End A2A Transfer Orchestration
Orbipay A2A Transfers brings all Account-to-Account payments into one seamless experience—simplifying complexity while giving financial institutions greater control. Built on a cloud-native, API-first architecture, it integrates easily with your systems to deliver fast, secure, and flexible transfers.
Real-Time Account Access:
Surface internal balances in real time and enable easy linking of external accounts through digital banking
Multi-Speed Payments:
Offer ACH, wire, and instant options so users can choose based on urgency and cost
Intelligent Routing:
Automatically route payments across RTP, FedNow, ACH, or Visa Direct based on rules and destination
Real-Time Confirmation:
Provide immediate status updates to increase confidence and reduce support inquiries
Step-Up Authentication:
Strengthen security with configurable methods like SMS, email, or multi-factor authentication
Lifecycle Orchestration:
Manage validation, routing, and processing across the full payment lifecycle in one centralized layer
Customer Insights
We Help Customers Achieve Superior Business Outcomes
Launched Instant Payments and processed $15.5 MM in 3 months
Customer
Royal Credit Union
Industry
Credit Union
Veridian Credit Union Among the First To Connect to the FedNow® Service
Customer
Veridian Credit Union
Industry
Credit Union
Real-Time Results: 2,300+ Transactions and $5M Moved in Two Months at ABNB
Customer
ABNB Credit Union
Industry
Credit Union
Key Benefits
The Business Case for Modernizing A2A Transfers
Increase Deposit Retention
Enhance Customer Experience
Create New Revenue Opportunities
Reduce Operational Complexity
Strengthen Fraud Controls
Accelerate Time-to-Market
Frequently Asked Questions
What are A2A Transfers?
A2A (Account-to-Account) transfers enable users to move money between their own accounts—either within the same financial institution or across external accounts.
How fast are A2A transfers?
Transfers can be completed in seconds using instant payment rails like RTP or FedNow, or scheduled via ACH for standard processing.
Can A2A transfers be monetized?
Yes. Financial institutions can offer instant transfers as a premium option with configurable fees.
Can institutions control which rails are used?
Yes. Intelligent routing and configurable business rules allow institutions to prioritize rails based on cost, speed, or availability.
How are A2A transfers used for account funding?
A2A transfers enable users to instantly move money from external accounts to fund new or existing accounts, supporting use cases like account opening, wallet funding, and loan funding.
Let’s Talk About Your A2A Transfers Strategy
See how Orbipay A2A Transfers simplifies Account-to-Account payments while giving you full control over speed, cost, and user experience.
