US Real-time Payments as a Service

US Real-time Payments as a Service

Volante TCH Real-time Payments as a Service

More than 70% of all US DDAs are already connected to TCH RTP®

Real-time payments are already here. The Clearing House RTP® network enables consumers and businesses to exchange funds immediately, at any time. This is a once-in-a-generation competitive differentiation opportunity for financial institutions.

It’s all about value-added services. There are many strong use cases for RTP®, such as bill payment using Request For Pay, that can serve as the basis for monetizing value-added services. But to deliver these services, banks need to easily connect to RTP® and develop new customer experience solutions.

It's time for RTP as a service in the cloud. In the past, adding a new payment scheme and enabling 24x7x365 real-time operation required high upfront costs and long integration projects. Volante's US Real-time Payments as a Service eliminates the drawbacks of legacy approaches, allowing banks to join the real-time revolution quickly and at low cost.

Volante US Real-time Payments as a Service

An end-to-end solution for the entire real-time payment processing lifecycle, from initiation through to clearing and settlement connectivity, managed as a service in the cloud.

Solution Features

  • Full RTP® message set
  • Send, receive, request-for-pay, return/reject, advices, notifications
  • ISO 20022 fluent
  • Channel-agnostic: receive real-time payments from any source
  • Integrates easily to accounting, fraud, and other core systems

Managed Service Features

  • Cloud-managed, no hardware or software required
  • Technical resources to maintain infrastructure
  • Management of TCH switch components
  • Standardized onboarding
  • Ongoing service management and maintenance

Technology For Business Resilience

  • Industry-first active-active-active deployment
  • Real-time services always-on, 24x7x365
  • Deploy compliance updates without system downtime
  • Benchmarked to 46 million transactions per hour in the cloud
  • ISO 27001:2013 certified and SOC 2 Type 2 attested

Business Benefits

  • Reduce TCO by nearly 40%, pay only for what you use
  • Get onboarded fast - 60 days or less
  • Improve time to value for new services 
  • Extend to other available services such as wire, ACH, SWIFT
  • Add FedNowSM instant payments in the future

Why Volante?

This approach allowed us to be first to market with RTP. Working closely with trusted and innovative fintech providers such as Volante...helps us deliver sustainable value quickly.

Saket Sharma, Chief Information Officer, BNY Mellon Treasury Services

Volante Technologies...delivers significant advantages to clients who are looking to optimize the use of cloud technologies and benefit from a reduction in hardware and software costs.

Janet Lewis, VP Worldwide Financial Services, Microsoft

How Volante Technologies and The Clearing House Are Making it Easier to Benefit From Real-Time Payments