Smarter, Faster
Instant Payments
Fifth Third’s Instant Payments solution, powered by RTP®, delivers real-time settlement and 24/7 availability.
Modernize Your Payment Operations
Why wait hours, or even days, for a payment to process? Fifth Third’s Instant Payments solution enables real-time clearing and settlement, accelerating access to working capital, minimizing risk and streamlining financial operations. It gives your business greater control, transparency and security across every transaction.
Real-Time Settlement
Transfer funds in seconds with no batch delays, holds or access restrictions.
24/7
Availability
Initiate payments anytime and keep your cash flow moving forward.
Irrevocable Payments
Enjoy peace of mind that your payments are final, reducing chargeback risk.
Rich Data Support
Automate reconciliation and reporting with ISO 20022-enabled remittance data.
Immediate Confirmation
Receive real-time transaction status updates for enhanced transparency and trust.
Seamless Integration
Embed payments into your platforms via APIs with cross-platform support.
Intelligent Fraud Prevention
Detect and block threats with multi-layered controls tailored to your business.
Accelerated Cash Flow
Eliminate payment delays and unlock working capital with instant movement of funds.
Deliver the Speed Customers Expect
Customers and businesses expect speed and Fifth Third’s Instant Payments solution delivers it. Meeting these expectations isn’t just a competitive advantage, it’s becoming the standard for modern finance.
Fifth Third combines the strength and stability of a big bank with the innovation of a fintech to process payments at warp speed.
Powering Businesses That Don’t Wait
Whether you're managing high-volume disbursements or streamlining receivables, we help you move money in real time, 24/7.
Digital Wallets
- Instantly load or unload funds without delays or downtime
- 24/7 availability means seamless transactions anytime, including weekends and holidays
- Build trust with real-time transaction confirmations to reduce fraud and chargebacks
Payroll
- Pay workers immediately after shifts or milestones— ideal for gig and hourly workforces
- Meet evolving workforce needs, boost morale and improve retention with faster wage access
- Eliminate batch processing and reduce administrative overhead with automated, flexible payment capabilities
Insurance
- Pay policyholders instantly, bypassing ACH or check delays, and delivering speed when it matters most
- Offer immediate insight into outgoing payments with rich data and payment transparency
- Meet rising expectations with fast, transparent payments that build loyalty
Merchant Settlement
- Receive instant settlement from sales, with no waiting for batch processing
- Improve cash flow with immediate revenue access to support inventory, staffing and business growth
- Reduce risk and reconciliation time with final, data-rich payments
Ready to modernize?
Let’s talk about how Instant Payments can transform your business.
