U.S. real-time payments will hit 13.9 billion transactions by 2028. Learn how mid-tier banks can build the infrastructure to capture that growth.

​For decades, ACH operated within a predictable framework built around batch processing, overnight settlement cycles, and limited transaction windows. That model no longer reflects how payments move in today’s environment, where real-time is now part of baseline expectations.

Real-time payments will drive bank growth in 2026, with modern payment infrastructures turning speed into a competitive advantage.

Mid-tier banks and financial institutions face growing pressure from digitally savvy corporate clients, who expect 24/7 access, instant payments, and real-time reporting. Delivering timely and seamless services is now a strategic imperative.

Discover how the TCH RTP® and FedNow® networks are transforming real-time payments, and how financial institutions can harness these systems.

As real-time payments (RTP) adoption accelerates in the U.S., financial institutions are navigating the evolving landscape of instant payments, including the Federal Reserve’s FedNow and The Clearing House’s RTP network.

As part of Saudi Arabia’s Vision 2030 push toward a digitally empowered financial system, two leading banks embarked on a journey to modernize their payments infrastructure. Their objective: to meet rising customer demand for real-time transactions, operate on a 24/7 basis, and support national goals for reducing cash dependency.

By partnering with Volante Technologies, Banco BASE modernized its payment processing capabilities with the Volante Payments Platform, enabling real-time domestic and international transactions.

To stay ahead of market demands and accelerate digital transformation, BNY partnered with Volante to launch the first real-time payments (RTP®) transaction on The Clearing House’s new network.

Partnering with Volante Technologies, SouthState Bank launched a comprehensive Instant Payments initiative as part of a multi-year strategy to enable faster, seamless, and secure payment experiences.

In a recent episode of Volante Elevate, Vinay Prabhakar, CMO at Volante, spoke with Keith Gray, VP of Partnerships at The Clearing House, about the Real-Time Payments (RTP) network. The blog summarizes their conversation, providing insights into the current state and future of RTP in the United States.

The advent of instant payments has ushered in a transformative era across various industries, reshaping traditional payment methods and fostering innovation and agility.