Orbipay Payments Hub for Visa Direct
Card-Based Real-Time Payments. Unified on One Hub.
Send payments or make transfers to cards 24/7 via the Visa Direct network. Near real time, no account/routing numbers, integrated in one unified payments platform.
Problem
A Growing Need for Instant, Card-Based Payments
Even with instant payments rails, many use cases still require moving money to or from cards—immediately, at any hour, and often across borders. Without Visa Direct unified in a hub, institutions run into:
Convenience Gap:
recipients rarely know routing/account numbers, but they do have a card on hand
Conversion Loss:
no instant card or account funding at sign-up/top-ups drives drop-offs
Cross-Border Delays/Costs:
international disbursements miss deadlines and trigger support tickets
No Resilience or Optionality:
when an instant rail is down or restricted, payments queues and SLAs slip
of surveyed consumers want the flexibility of real- time transfers between their financial accounts
of surveyed consumers say real-time transfers would increase account usage & improve customer experience
of surveyed consumers may switch accounts to an institution that offers real-time payments in the future
Potential net value gained by Bank due to reduced abandonments at new account opening
Key Capabilities
Make Instant Payments Simple
Alacriti embeds Visa Direct into a single, intelligent payments hub so you can offer domestic and cross-border real-time disbursements alongside the RTP® network, the FedNow® Service, ACH, wires, and Zelle®—without core changes or a tangle of point solutions.
Global Reach
Send and receive across 195 enabled countries and territories and 150+ currencies via eligible cards, accounts, and wallets.
Real-Time Payouts
24/7/365 real-time payouts and account funding from the same hub.
Instant Use Cases
Turn on insurance claims, gig/contractor pay, rebates, refunds, and merchant/supplier settlements on day one.
Instant Account Funding
Enable card and wallet top-ups at onboarding and for ongoing balances.
Cross-Rail Risk Controls
Built-in fraud and compliance with unified visibility across Visa Direct, RTP, FedNow, ACH, wires, and Zelle®.
Core-Independent Integration
API-first deployment for faster time to market—no core overhaul.
Orbipay Payments Hub unifies all your payments needs in one centralized platform
Key Benefits
The Business Case for Visa Direct With Alacriti
Get close to 100% market reach for instant payments and disbursements.
Expand coverage via card-based and cross-border capabilities.
Simplify operations by consolidating real-time, ACH, wire, and card.
Enhance resilience with Visa Direct alongside RTP, FedNow, and Zelle®.
Lower costs by replacing fragmented point solutions.
Capture new revenue with instant payouts and funding.
Frequently Asked Questions
How fast is it, and what determines the availability of funds?
Funds can be delivered in near real time via Real-Time Payouts & Account Funding. But final availability depends on the receiving institution, account type, region, and compliance processes (availability varies by market and endpoint). Orbipay Payments Hub exposes status, routing, and controls centrally so you can set expectations and protect SLAs.
What does implementation with Orbipay Payments Hub look like?
You can launch Visa Direct through Orbipay Payments Hub using APIs with centralized limits, fraud/AML, sanctions screening, reporting, and reconciliation—alongside RTP, FedNow, ACH, wires, and Zelle®. We support both “direct connection” and “enabler/partner” approaches; the latter can accelerate time-to-market by leveraging existing connections, settlement flows, and risk services.
How do settlement and reconciliation work?
Settlement follows Visa funding cycles; Orbipay Payments Hub normalizes remittance data and reporting, so Visa Direct transactions reconcile next to your ACH, instant, and wire activity in one dashboard.
Do we need to change our core to use Visa Direct?
No. Orbipay Payments Hub is integrated out-of-the-box with most cores in the market, and it deploys core-independently via APIs, so you can start with one use case and expand without a core overhaul.
Ready To Move Money Faster?
See how Orbipay Payments Hub for Visa Direct can power instant payouts and account funding—alongside RTP, FedNow, ACH, wires, and Zelle®—on one unified platform.
