Instant payments are mainstream. Sending them confidently remains the challenge.

While RTP® and the FedNow® Service have expanded access to real-time payment rails, many financial institutions still struggle to activate send-side capabilities at scale. As businesses demand faster, more reliable money movement, the focus is shifting beyond connectivity to orchestration, liquidity intelligence, and operational control.

This PYMNTS Processing Tracker explores why sending remains the bottleneck and what’s required to activate instant payments at scale.

What you’ll learn: 

• Why instant payment activation still lags adoption.
• Why banks begin with receive-only capabilities.
• Key barriers slowing faster payment adoption.
• Where demand for instant payments is growing fastest.
• How orchestration improves routing and payment efficiency.
• Strategies for scaling instant payments with confidence.

Evaluating your instant payments strategy? 

Success requires more than connecting to RTP and FedNow. Financial institutions need intelligent orchestration, embedded fraud prevention, liquidity management, and the ability to route payments across multiple rails with confidence.

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