The Credit Union Real-Time Payments (RTP) and FedNow Digital Experience: Designing Instant Payment UX for 2026-2027

Introduction: The Instant Payments Revolution in Credit Union Banking

The way money moves in the United States is undergoing a fundamental transformation. After decades of relying on the Automated Clearing House (ACH) network, which settles transactions in batches over one to three business days, and wire transfers, which are expensive and limited to business hours, the American payments ecosystem has finally entered the era of instant settlement. For credit unions, this shift represents both a significant competitive opportunity and a complex design challenge.

Real-time payments (RTP) are no longer a future technology — they are a present-day reality. The Clearing House's RTP network, which launched in 2017, processed over 271 million transactions in the first half of 2026 alone, representing a total dollar value exceeding $1.05 trillion. Meanwhile, the Federal Reserve's FedNow Service, which went live on July 20, 2023, continues to expand its participant base, bringing instant payment capabilities to financial institutions of all sizes, including the credit unions that serve over 135 million Americans.

For credit union leaders, website designers, and digital experience teams, the question is no longer whether to adopt real-time payments, but how to design a user experience that makes instant money movement intuitive, trustworthy, and delightful for members. This comprehensive guide explores every aspect of the real-time payments digital experience for credit unions, from UX design principles and member journey mapping to infrastructure integration, fraud prevention, and adoption strategies.

The Current Real-Time Payments Landscape: RTP and FedNow in 2026

Understanding the infrastructure that powers instant payments is essential for designing effective user experiences. The United States currently operates two real-time payment networks, each with distinct characteristics.

The RTP Network from The Clearing House

Since its launch in 2017, the RTP network has established itself as the market-leading real-time payments infrastructure in the United States. As of June 2026, the network has over 1,280 participating financial institutions and has processed over 1.6 billion transactions, clearing and settling more than $3 trillion instantly. The network operates 24/7/365 with 100% uptime and zero scheduled downtime, enabling transactions up to $10 million per payment.

The scale of the RTP network is remarkable. In Q2 2026 alone, the network processed 142 million transactions totaling $576 billion, with a daily average value of $6.0 billion. This represents exponential growth from 2019, when the network processed just 15.8 million transactions for the entire year with a total dollar value of $6 billion. The year 2025 saw a particularly dramatic acceleration, with total transaction value reaching $1.45 trillion across 447 million transactions — a nearly fivefold increase in dollar volume from 2024.

From a member experience perspective, the RTP network provides instant settlement with finality, meaning that once a payment is sent, it cannot be reversed. The network also supports rich ISO 20022 messaging data, enabling enhanced reconciliation, remittance information, and payment context that can power sophisticated user experiences.

The FedNow Service from the Federal Reserve

The Federal Reserve's FedNow Service launched on July 20, 2023, providing a public-sector alternative to the RTP network. Unlike the RTP network, which is operated by The Clearing House (a private sector entity owned by major banks), FedNow is operated by the Federal Reserve Banks, making it accessible to all 10,000+ federally insured depository institutions in the United States.

FedNow is designed to maintain uninterrupted 24x7x365 processing with robust security features. The service operates on a 24-hour business day, including weekends and holidays, with end-of-day balances reported on Federal Reserve accounting records. The first release of the service included fraud prevention tools, receive-only participation options, request for payment capability, and inquiry handling tools. The Federal Reserve continues to enhance the service with additional features over time.

One of the key advantages of FedNow for credit unions is its broad accessibility. Any federally insured depository institution can participate, and the Federal Reserve has worked to ensure that credit unions of all sizes, including those with under $100 million in assets, can connect through service providers and core processors.

Same Day ACH: The Third Rail

While not technically a real-time payment network, Same Day ACH, operated by Nacha, deserves mention as an important component of the faster payments ecosystem. Same Day ACH enables ACH transactions to settle on the same calendar day, with three daily settlement windows. In 2026, the Same Day ACH dollar limit per transaction increased to $1 million, making it viable for larger transactions. However, Same Day ACH is not truly instant — funds may take several hours to become available, and settlement is not immediate.

Why Real-Time Payments Matter for Credit Unions: Member Expectations and Competitive Pressure

Credit unions face a unique set of challenges and opportunities in the real-time payments landscape. Unlike the largest megabanks, which have dedicated payment technology teams and substantial budgets, most credit unions operate with limited resources while serving members who increasingly expect the same instant payment experiences they receive from fintech apps and neobanks.

The Member Expectation Gap

Consumer expectations around payment speed have been shaped by experiences with Venmo, Cash App, Zelle, and other peer-to-peer payment platforms. When a member can send money to a friend via Venmo and have it available instantly, they naturally expect the same experience from their credit union. According to industry research, over 70% of consumers consider instant payment availability an important factor when choosing a financial institution, and this expectation is even higher among younger demographics.

For credit unions, the gap between member expectations and current capabilities represents a significant retention risk. Members who cannot access instant payments through their credit union may maintain secondary accounts at banks or fintechs that offer these capabilities, dividing their loyalty and reducing the credit union's share of wallet.

Competitive Pressure from Fintechs and Neobanks

Fintech companies have been aggressive in adopting real-time payment capabilities. Chime, SoFi, and other neobanks offer early access to direct deposits through real-time payment rails, giving members access to their paychecks up to two days early. PayPal, Venmo, and Cash App have built their entire value propositions around instant money movement. These competitors have set the bar for what consumers expect from digital financial services.

Credit unions that offer real-time payments can compete effectively with these players by combining instant money movement with the personalized service, community focus, and member-owned structure that differentiate them from for-profit competitors.

Revenue and Deposit Growth Opportunities

Real-time payments are not just a member experience enhancement — they are a revenue and deposit growth opportunity. The Clearing House's RTP Deposits Value Calculator estimates that a credit union with $500 million to $999 million in assets could generate approximately $14.2 million in average annual deposit value through RTP payments. For credit unions with $1 billion to $2.4 billion in assets, the estimated deposit value rises to $36.2 million annually. These deposits come from the float reduction benefits, new member acquisition, and increased transaction volumes that real-time payments enable.

The UX Challenge: Designing for Instant Money Movement

Designing a user experience for real-time payments presents unique challenges that differ fundamentally from traditional payment UX. When payments could take days to settle, the design of the experience could afford to be less precise — transaction statuses could be ambiguous, confirmation times could be delayed, and error recovery could be handled asynchronously. Real-time payments change all of these assumptions.

The Psychological Shift of Instant Settlement

When a payment settles instantly, the member experience becomes more psychologically intense. A member who sends $5,000 to pay a contractor expects immediate confirmation that the funds have arrived. But they also experience heightened anxiety — if something goes wrong, the money is gone instantly, with no opportunity to stop the transaction.

This psychological shift requires careful UX design that balances speed with reassurance. Members need clear visual cues that confirm payment success, but they also need accessible information about recipient verification, fraud protection, and dispute resolution processes.

Information Architecture for Real-Time Payments

The information architecture of a real-time payment experience must accommodate several unique requirements:

• Immediate confirmation: The payment flow must provide an unambiguous success state within seconds of the member initiating the transaction.
• Recipient verification: Members need confidence that they are sending money to the correct person or business, ideally through a verification step that leverages ISO 20022 data.
• Transaction history: The payment history view must clearly distinguish between real-time payments, ACH transfers, wire transfers, and other transaction types, with appropriate status indicators.
• Dispute and recovery paths: Members need clear, accessible pathways to report issues with real-time payments, even though the payments are final and irrevocable.

The 24/7/365 Expectation

Real-time payments operate around the clock, every day of the year. This means that member support systems must also be available 24/7, or at minimum, provide clear information about what happens when a member encounters an issue outside of business hours. A member who sends a payment at 11 PM on a Saturday and encounters an error needs immediate guidance, not a message saying "please call us during business hours."

Credit unions must design for this always-on reality by integrating AI-powered chatbots, comprehensive FAQ resources, and escalation paths that can handle real-time payment issues regardless of when they occur.

Core Design Principles for Real-Time Payment Experiences

Based on best practices from leading financial institutions and fintech companies, the following design principles should guide credit union real-time payment UX.

1. Clarity Over Speed

While real-time payments are about speed, the user interface should prioritize clarity over velocity. The payment flow should not feel rushed or abbreviated. Members should be guided through each step of the process with clear labels, explanatory text, and visual confirmation of their choices.

Key implementation recommendations include:

• Use a multi-step payment flow rather than a single-page form, with each step clearly labeled and progress indicators visible.
• Display the payment amount prominently in the confirmation step, using large typography and color coding.
• Show the recipient name and account details in a clear, scannable format before the final confirmation.
• Provide a clear visual indicator when the payment is being processed, distinct from the "payment sent" confirmation.

2. Transparency and Trust

Trust is the foundation of any financial transaction, and it is especially critical for real-time payments where transactions are irrevocable. The UX must communicate trustworthiness at every touchpoint.

• Display the exact time of settlement, including the date and time zone, in the confirmation screen.
• Show the terms of the transaction clearly: "This payment is instant and cannot be canceled once sent."
• Provide a transaction ID or reference number that can be used for future inquiries.
• Include a "Send Receipt" option that delivers a confirmation via email or text message.

3. Progressive Disclosure

Not all members need all the information about real-time payments. The design should use progressive disclosure, showing essential information prominently and making advanced details available through expandable sections or secondary screens.

For example, the primary payment flow might show:

• Recipient name and last 4 digits of account
• Payment amount
• Processing time ("Instant — funds arrive in seconds")
• Confirmation button

While secondary information (transaction fee, ISO 20022 reference data, remittance details) can be accessed through expandable sections or a "Details" link.

4. Error Prevention and Graceful Recovery

Given the irrevocable nature of real-time payments, error prevention is paramount. The system should prevent common mistakes before they happen and provide clear recovery paths when issues occur.

• Validate account numbers and routing numbers in real-time using account validation services.
• Flag unusual payment amounts or patterns that might indicate fraud or mistake.
• Require explicit confirmation for payments to new recipients or for amounts above member-defined thresholds.
• Provide a clear "What if I made a mistake?" section in the payment confirmation screen, explaining the steps to contact the recipient or the credit union for assistance.

5. Accessibility and Inclusivity

Real-time payment experiences must be designed for all members, including those with disabilities, older adults, and members who may be less comfortable with digital financial services. WCAG 2.2 AA compliance is the minimum standard, and credit unions should strive for AAA compliance where possible.

• Ensure all payment screens are fully navigable by keyboard and screen reader.
• Use high-contrast color schemes that meet WCAG AA standards for text and interactive elements.
• Provide clear error messages that explain what went wrong and how to fix it, in plain language.
• Support text size adjustment without breaking the payment layout.
• Offer alternative confirmation methods for members who may not receive SMS or email reliably.

Key Member Journeys Powered by Real-Time Payments

Understanding the specific member journeys that real-time payments enable helps credit unions design targeted, high-impact experiences. Here are the most important use cases for credit union members.

Person-to-Person (P2P) Payments

The most visible and widely used real-time payment journey is person-to-person money transfer. Members want to send money to family members, friends, roommates, and service providers instantly, without the friction of traditional ACH transfers or the cost of wire transfers.

An effective P2P payment UX should include:

• A searchable member directory or recipient lookup by phone number or email.
• The ability to save and name frequent recipients.
• Instant payment confirmation with a visual animation or progress indicator.
• Push notification delivery when the payment is received.
• Integration with the member's contact list for easy recipient selection.

Loan Disbursement Journeys

Real-time payments transform the loan disbursement experience for credit union members. Instead of waiting two to three business days for loan funds to appear in their account, members can receive loan proceeds instantly. This is particularly valuable for small-dollar personal loans, emergency loans, and auto loan disbursements.

The loan disbursement UX should include:

• Clear communication about the expected timeframe for funds availability ("Funds will be available in your account within seconds").
• Instant notification when the loan has been approved and funds are being sent.
• Real-time balance update showing the new available balance.
• Option to receive the disbursement via RTP, FedNow, standard ACH, or paper check.

Payroll and Earned Wage Access

One of the fastest-growing real-time payment use cases is earned wage access (EWA), which allows employees to access their earned wages before the traditional payday. Credit unions that partner with employers or payroll providers can offer EWA as a member benefit, providing instant access to wages through the RTP or FedNow network.

The EWA UX should be designed to promote financial wellness, encouraging members to use the service responsibly rather than as a recurring advance mechanism.

Business and Commercial Payments

For credit unions that serve small businesses and commercial members, real-time payments offer significant value. Business members can make instant supplier payments, receive customer payments, and manage cash flow with greater precision. The RTP network's $10 million per transaction limit makes it suitable for a wide range of business payments.

The business payment experience should include:

• Batch payment capabilities for multiple recipients.
• Rich remittance information through ISO 20022 messaging.
• Integration with accounting software for automatic reconciliation.
• Real-time payment status dashboards.

Request for Payment (RFP)

Both the RTP network and FedNow support request for payment functionality, which allows a biller or service provider to send a payment request to a consumer. The consumer can then approve the payment, which is executed in real-time. This is a powerful alternative to traditional bill payment, enabling instant payment of invoices, utility bills, and other recurring obligations.

The request for payment UX should include:

• Clear identification of the requesting party, including verification of their identity.
• Transparent display of the amount, due date, and any fees.
• One-tap approval for trusted billers.
• Payment history showing all approved and pending requests.

Building the Infrastructure: Core Integration, ISO 20022, and API-First Architecture

Behind every great real-time payment user experience is a robust technical infrastructure. For credit unions, the infrastructure challenge is particularly significant because most rely on core processing systems that were designed long before real-time payments existed.

Core Processor Integration

Connecting to the RTP or FedNow network requires integration with the credit union's core processing system. Most major core processors, including Symitar (Jack Henry), DNA (Fiserv), and CU*BASE (CU*Answers), now offer real-time payment connectivity, either directly or through third-party service providers.

Key integration considerations include:

• Real-time balance updates: The core system must be able to update account balances instantly when a real-time payment is sent or received.
• Transaction posting: Real-time payments must be posted to the member's account in real-time, not batched for overnight processing.
• Reconciliation: The system must support end-of-day reconciliation between the real-time payment network and the core system.
• Fraud detection: Fraud screening must operate in real-time, processing transactions within seconds while maintaining security.

ISO 20022 Messaging

Both the RTP network and FedNow use ISO 20022, a global standard for financial messaging that supports richer data than traditional payment formats. ISO 20022 enables the inclusion of remittance information, structured addresses, and other contextual data that can power enhanced user experiences.

Credit unions should design their payment systems to leverage ISO 20022 data for:

• Enhanced recipient information display in payment screens.
• Automatic payment categorization and tagging.
• Improved reconciliation for business members.
• Richer transaction history views.

API-First Architecture

An API-first approach to real-time payment infrastructure enables credit unions to build flexible, modular payment experiences that can be extended and enhanced over time.

• Payment initiation API for sending real-time payments.
• Payment status API for checking the status of sent and received payments.
• Recipient validation API for verifying account and routing numbers.
• Transaction history API for retrieving payment history with ISO 20022 data.
• Webhook notification API for real-time event notifications.

Fraud Prevention and Security UX for Real-Time Payments

The irrevocable nature of real-time payments makes fraud prevention a critical design consideration. Unlike credit card transactions, which can be charged back, or ACH transactions, which can be reversed within a limited window, real-time payments are final. This creates both security and UX challenges.

Real-Time Fraud Detection

Fraud detection systems must operate in real-time, analyzing transactions within milliseconds to identify suspicious patterns before payments are sent. This requires machine learning models that can process transaction data, member behavior patterns, device information, and network intelligence in real-time.

From a UX perspective, the fraud detection system should:

• Flag unusual transactions for member confirmation, such as payments to new recipients or amounts outside typical patterns.
• Implement step-up authentication for high-value or suspicious transactions.
• Provide clear explanations when a transaction is blocked or flagged, without revealing the specific fraud detection logic.

Multi-Factor Authentication for High-Value Payments

For high-value real-time payments, multi-factor authentication should be required. This can include:

• Biometric authentication (fingerprint or facial recognition) on mobile devices.
• One-time passcodes sent via SMS or authenticator app.
• Device-based authentication for known devices.
• Out-of-band verification for very high-value transactions.

The UX must balance security with convenience. Authentication should be prompted only when necessary, based on risk assessment, and the authentication mechanism should be as frictionless as possible.

Recipient Verification

One of the most common real-time payment errors is sending money to the wrong recipient. To prevent this, the payment UX should include robust recipient verification:

• Account holder name validation, where the system confirms that the account holder name matches the provided name.
• Micro-deposit verification for new recipients, sending a small test payment before enabling larger transfers.
• Recipient confirmation screens that display the recipient name, account type, and last 4 digits of the account number.
• A "Cooling Off" period for payments to new recipients, giving the member a brief window to review before the payment is sent.

Member Education as a Security Layer

No technology can prevent all fraud. Member education is a critical component of the security UX. Credit unions should integrate educational content throughout the payment experience:

• Short, contextual tips at key decision points in the payment flow.
• Links to fraud prevention resources that explain common scams targeting real-time payment users.
• Clear explanations of the difference between reversible and irreversible payments.
• Guidance on how to verify the identity of payment recipients.

Driving Member Adoption: Education, Onboarding, and Trust-Building Strategies

Even the most beautifully designed real-time payment experience will fail if members do not use it. Driving adoption requires a coordinated strategy that combines education, onboarding, trust-building, and incentives.

Member Education and Awareness

Many credit union members are unaware of the difference between standard ACH transfers and real-time payments. They may not know that instant payment options exist or understand the benefits. Credit unions should invest in member education through multiple channels:

• Website content explaining real-time payments in simple terms, with clear comparisons to traditional payment methods.
• Email campaigns introducing the new payment capability with step-by-step guides.
• In-branch signage and teller training to promote the feature during member interactions.
• Social media content demonstrating the speed and convenience of real-time payments.

Onboarding Flow Design

The first-time use experience is critical for adoption. The onboarding flow should:

• Introduce real-time payments as a new capability when the member first logs into digital banking after the feature is enabled.
• Provide a quick, interactive tutorial that demonstrates the payment flow without requiring the member to send a real payment.
• Offer a "test transaction" where the member can send a small amount (e.g., $1) to themselves to experience the instant settlement.
• Ask for permission to send push notifications when payments are received.

Trust-Building Signals

Members need to trust that real-time payments are safe before they will use them. Trust-building signals in the UX include:

• Security badges and certifications displayed in the payment interface.
• Clear explanations of the fraud protection systems in place.
• Testimonials from other members who use real-time payments.
• Transparent fee disclosures, if any fees apply.
• NCUA insurance coverage information for the accounts involved.

Incentive Programs

To accelerate adoption, credit unions can implement incentive programs that reward members for using real-time payments:

• Waived fees for the first several real-time payments.
• Entry into a monthly drawing for members who use real-time payments.
• Cashback or rewards points for real-time payment transactions.
• Higher interest rates on savings accounts that receive regular real-time payments.

Implementation Roadmap for Credit Unions

Implementing real-time payments is a significant undertaking that requires careful planning, budgeting, and execution. The following roadmap provides a structured approach for credit unions of all sizes.

Phase 1: Assessment and Planning (Months 1-3)

• Assess current payment infrastructure and core processor capabilities.
• Evaluate the RTP network and FedNow Service to determine which network(s) to join.
• Identify third-party service providers and technology partners.
• Develop a business case with projected costs, deposit value, and member adoption targets.
• Assemble a cross-functional implementation team including IT, digital experience, compliance, and marketing.
• Conduct a member needs assessment to prioritize use cases.

Phase 2: Infrastructure Integration (Months 4-8)

• Complete core processor integration for real-time payment connectivity.
• Implement ISO 20022 messaging capabilities.
• Build API infrastructure for payment initiation, status checking, and webhook notifications.
• Integrate real-time fraud detection systems.
• Set up liquidity management and settlement processes.
• Conduct security audits and penetration testing.

Phase 3: UX Design and Development (Months 6-10)

• Design the real-time payment user interface based on the principles outlined in this guide.
• Develop the payment flow for web and mobile platforms.
• Implement recipient management, payment history, and notification features.
• Build the onboarding and member education experience.
• Design fraud prevention UX, including step-up authentication and recipient verification.

Phase 4: Testing and Quality Assurance (Months 9-11)

• Conduct end-to-end testing of the real-time payment flow.
• Test integration with the RTP network and/or FedNow Service.
• Perform load testing to ensure system performance under peak volumes.
• Validate fraud detection systems with simulated attack scenarios.
• Conduct accessibility testing for WCAG compliance.
• Train member support staff on real-time payment processes and procedures.

Phase 5: Launch and Ongoing Optimization (Month 12+)

• Soft launch with a subset of members to gather feedback and identify issues.
• Full launch with marketing campaign to drive awareness and adoption.
• Monitor key performance indicators and member feedback.
• Implement iterative improvements based on usage data and member input.
• Expand use cases over time, adding new features like request for payment and business payment capabilities.

Measuring Success: KPIs and Analytics for Real-Time Payment UX

To ensure that the real-time payment experience is meeting member needs and driving business value, credit unions should track a comprehensive set of key performance indicators.

Adoption and Usage Metrics

• Percentage of active digital banking members who have used real-time payments.
• Number of real-time payment transactions per month per active user.
• Average transaction value for real-time payments.
• Real-time payment volume as a percentage of total payment volume.
• Member enrollment rate in real-time payment features.

UX Performance Metrics

• Payment flow completion rate (percentage of initiated payments that are completed).
• Average time to complete a payment from initiation to confirmation.
• Error rate (percentage of payment attempts that result in an error).
• Recipient verification success rate.
• Mobile vs. desktop usage breakdown.

Trust and Satisfaction Metrics

• Net Promoter Score (NPS) for the payment experience.
• Member satisfaction survey scores for payment speed and ease of use.
• Number of fraud-related support tickets per 1,000 transactions.
• Dispute rate (percentage of transactions that result in a dispute).
• Member retention rate among active real-time payment users.

Business Impact Metrics

• Deposit growth attributable to real-time payment capabilities.
• New member acquisition driven by real-time payment marketing.
• Fee revenue from real-time payments (if applicable).
• Reduction in wire transfer costs as members shift to lower-cost real-time payments.
• Share of wallet increase among active real-time payment users.

The Future: What's Next for Real-Time Payments at Credit Unions

The real-time payments landscape continues to evolve rapidly. Credit unions that invest in instant payment capabilities today will be well-positioned to take advantage of future developments.

Network Convergence

Industry observers expect that the RTP network and FedNow Service will eventually achieve interoperability, enabling payments between participants on either network. This convergence will eliminate the need for credit unions to choose between the two networks and will create a unified instant payment ecosystem in the United States.

Request for Payment Expansion

Request for payment capabilities are expected to become a major driver of real-time payment adoption as more billers, utilities, and service providers begin using the feature. This could transform the bill payment experience, replacing the current multi-day ACH-based bill payment system with instant, member-approved payments.

Embedded Payments and Open Banking

As open banking standards and API-based financial services become more prevalent, real-time payment capabilities will be embedded into a wider range of applications and services. Members will be able to initiate real-time payments from within their favorite budgeting apps, accounting software, and e-commerce platforms, without needing to navigate to their credit union's digital banking platform.

Cross-Border Real-Time Payments

While real-time payments are currently limited to domestic transactions, work is underway to enable cross-border instant payments. The integration of the RTP and FedNow networks with international real-time payment systems could eventually enable instant international money transfers, which would be particularly valuable for credit unions serving immigrant communities and members with international family connections.

AI-Powered Payment Intelligence

Artificial intelligence will play an increasingly important role in the real-time payment experience. AI can power personalized spending insights, predictive cash flow management, fraud detection, and intelligent payment routing. Credit unions that combine real-time payment data with AI-powered analytics can offer members insights that go far beyond simple transaction records.

Conclusion

Real-time payments represent a fundamental shift in how money moves in the United States, and credit unions have a unique opportunity to lead this transformation. By designing intuitive, trustworthy, and accessible instant payment experiences, credit unions can meet the rising expectations of their members, compete effectively with fintechs and megabanks, and drive meaningful deposit growth and member engagement.

The journey to real-time payments is not just a technology upgrade — it is a strategic initiative that touches every aspect of the credit union's digital experience. From the core processor integration and ISO 20022 messaging to the user interface design and fraud prevention systems, every element must work together to create a seamless, instant payment experience that members trust and love to use.

Credit unions that invest in real-time payments today will be the ones that thrive in the years ahead. Those that delay risk falling behind as member expectations continue to rise and the payments ecosystem continues to accelerate. The future of payments is instant, and the time for credit unions to act is now.

This article was brought to you by GrafWeb CUSO – Building the future of digital credit unions.

References

• The Clearing House - RTP Network Overview
• The Clearing House - RTP Annual Statistics (2026 YTD)
• The Clearing House - RTP Network Q2 2026 Highlights
• Federal Reserve Board - FedNow Service Overview
• Federal Reserve Financial Services - FedNow Service
• Federal Reserve - FedNow Service Participants
• The Clearing House - RTP Use Cases
• The Clearing House - RTP Participating Financial Institutions
• Nacha - Same Day ACH Information
• ISO 20022 - Universal Financial Industry Message Scheme
• National Credit Union Administration (NCUA)
• Credit Union National Association (CUNA)
• PYMNTS - Real-Time Payments Coverage
• W3C - WCAG 2.2 Accessibility Guidelines