United States payments

A unified platform for all U.S. payments—ACH, Fedwire®, FedNow®, RTP®, CHIPS®, Zelle—and SWIFT cross‑border. 

7

of the top 10 U.S. banks rely on Volante

66%

of U.S. deposit volume flows through the Volante Payments Platform 

1st

to market with RTP® and FedNow® solutions 

Modernize your U.S. payments infrastructure—fast

Accelerate adoption of RTP®, FedNow®, Fedwire®, CHIPS®, and ACH with a single cloud-native platform. Volante powers real-time, ISO 20022-compliant payments for 7 of the top 10 U.S. banks—processing trillions in value daily. Simplify operations, reduce costs, and future-proof your payments infrastructure.

Lead the way with Volante’s U.S. payments solutions

Accelerate time to market

Go live with FedNow®, RTP®, ACH, and Fedwire® in as little as 14 weeks using pre-integrated, cloud-native services. 

Increase cost effectiveness

Eliminate the burden of maintaining multiple systems and align costs to transaction volumes with our scalable PaaS. 

Future-proof your business

Comply quickly with new U.S. payments mandates, including ISO 20022 for Fedwire and CHIPS, real-time rails, and fraud. 

Improve customer experience

Support 24×7 instant payments and real-time visibility, helping your customers move money securely and conveniently, anytime. 

Onboarding is easy

Gantt chart

Simplify your modernization journey across all major U.S. payment rails—FedNow®, RTP®, Fedwire®, CHIPS®, and ACH—with one unified, cloud-native solution. Volante accelerates implementation with built-in ISO 20022 compliance, real-time readiness, and seamless integration with your core systems. 

Go live in as little as 14 weeks with Volante’s U.S. payments solution, designed to help banks and financial institutions scale faster, reduce legacy complexity, and lead in the new era of instant, intelligent payments. 

Learn more about Volante’s U.S. payments solutions

Watch how Volante is helping U.S. banks accelerate payments modernization for instant payments, ACH, SWIFT, and wires, with a single cloud-native platform built for speed, compliance, and future growth. 

Delivering agility, scalability, and cost efficiency

Cloud-native

Rely on a modern, cloud-first infrastructure purpose-built for mission-critical U.S. payments—resilient, secure, and designed for continuous availability. 

Multi-rail compatible

Seamlessly connect to FedNow®, RTP®, ACH, CHIPS®, and SWIFT with built-in ISO 20022 readiness and smart routing for optimal rail selection. 

Fully automated

Achieve straight-through processing across domestic and cross-border payments, minimizing manual effort and improving operational efficiency. 

Developer-friendly

Accelerate deployment with a comprehensive suite of REST APIs that simplify integration with your bank’s existing payment systems.

Real-time payments ready

Launch real-time services like FedNow® and RTP® with prebuilt adapters, liquidity tracking, and real-time exception handling out of the box. 

ISO 20022 fluent

Process U.S. payments in structured ISO 20022 format to improve compliance, data quality, and support for advanced analytics and automation. 

Frankly Speaking with SouthState Bank

Why did SouthState embark on a payments modernization journey?

Chris Nichols, Director of Capital Markets, SouthState Bank talks about how the bank is unifying the customer experience and driving growth for its one million customers on RTP® and the FedNow℠ service when it launches later this year leveraging Instant Payments as a Service.

Frankly Speaking SouthState Bank

What is your approach to payments modernization and real-time payments adoption?

Chris Nichols, Director of Capital Markets, SouthState Bank talks about how the bank is unifying the customer experience and driving growth for its one million customers on RTP® and the FedNow℠ service when it launches later this year leveraging Instant Payments as a Service.

Frankly Speaking with SouthState Bank

What are some of the benefits to payments modernization?

Chris Nichols, Director of Capital Markets, SouthState Bank talks about how the bank is unifying the customer experience and driving growth for its one million customers on RTP® and the FedNow℠ service when it launches later this year leveraging Instant Payments as a Service.

Frankly Speaking with SouthState Bank

Why was having a flexible solution important?

Chris Nichols, Director of Capital Markets, SouthState Bank talks about how the bank is unifying the customer experience and driving growth for its one million customers on RTP® and the FedNow℠ service when it launches later this year leveraging Instant Payments as a Service.

Frankly Speaking with SouthState Bank

Can you speak to your experience working with Volante?

Chris Nichols, Director of Capital Markets, SouthState Bank talks about how the bank is unifying the customer experience and driving growth for its one million customers on RTP® and the FedNow℠ service when it launches later this year leveraging Instant Payments as a Service.

SouthState Bank’s Payment Modernization Journey
Modernizing with a Payment Hub and PaaS Approach
Payments Modernization Drives Business Growth
Flexibility Enables the Bank to Achieve its Strategic Goals
Selecting Your Trusted Payments Modernization Partner

U.S. payments offerings

RTP® and FedNow®

Accelerate adoption of U.S. instant payments with built-in support for RTP® and FedNow®. Pre-integrated connections, real-time fraud screening, liquidity management, and request-for-payment enable fast, secure, and compliant transactions around the clock. 

Embedded preprocessing

Simplify payment operations with built-in preprocessing for validation, enrichment, and smart routing. Streamline payment workflows, reduce manual touchpoints, and ensure compliance without disrupting your existing infrastructure. 

Fedwire® and CHIPS® payments

Modernize wire payments with ISO 20022-native processing, real-time validation, and smart orchestration. Reduce operational downtime, improve resiliency, simplify compliance, and accelerate time to value.  

ACH

Eliminate legacy roadblocks and process high-volume ACH files faster. Process ACH transactions in real time with configurable risk controls, smart routing, flexible APIs, and much more.  

ISO 20022 compliance and migration

Secure ISO 20022 compliance for Fedwire®, CHIPS®, and cross-border payments. Convert, enrich, and validate transactions with APIs and automation. Simplify compliance and future-proof your payments infrastructure. 

Cross-border payments

Process traditional SWIFT correspondent banking payments faster and more efficiently. Expand opportunity with next-generation cross-border, from Ripple to Visa Direct, Visa B2B, Mastercard Send, CBDCs, and cryptocurrency.

Insights from leading experts in payments modernization 

Lakeside Bank
Case studies
Lakeside Bank: Accelerating payments modernization with Volante Technologies
FPC Barometer 2025
White Papers
U.S. Faster Payments Barometer: real-time pressures
SouthState Bank
Case studies
SouthState bank: real-time and instant payments modernization with PaaS
Bank of New York BNY
Case studies
BNY: leading real-time payments innovation with Volante Technologies 
Webinars
Fed Later? RTP Now? ACH Today? The Fastest Path to Real Time Success
EMEA map
Blogs
Payments modernisation across EMEA: Who’s leading, who’s catching up?

Volante Payments Platform

Built on the proven foundation powering real-time, wire, and ACH payments for banks of all sizes worldwide, Volante’s U.S. payments capabilities deliver unmatched flexibility and speed. Whether you’re adding RTP® and FedNow®, modernizing legacy ACH flows, or unifying operations across rails, our platform makes it easy to evolve without disruption. 

Cloud-native. API-driven. Scalable by design. Ready for what’s next. 


Ready to modernize?
Come evolve with us!

Contact our team to explore how Volante’s U.S. payments can deliver transformative value for your financial institution