Instant PaymentsSecure PaymentsScalable PaymentsAffordable Payments
Harness the power of Instant Payments.
Instant Payment Xchange™ (IPX) is a secure, comprehensive, scalable, and affordable instant payments and money movement gateway to the FedNow Service. IPX securely connects to your core and enables your institution, your retail and your business account holders to securely send and receive money instantly.
Instant Payments & Money Movement
Enable your institution and your accountholders to send and receive money in real-time for A2A, P2P, Bill Payment, B2C Disbursements, Earned Wage Access/Payroll, Loan Payments, New Account Funding and other money movement use cases.
Advanced Security & Fraud Prevention
Fight account takeover and scam fraud with the most advanced fraud mitigation tools in the industry including dollar and velocity limits, cool off periods, dynamic grouping, trusted device initiation, and more.
Connect to Any Core
IPX is adaptable to any core and connectivity can easily be established through a variety of connection protocols including REST/SOAP API’s, FDX 5.2, or indirect connections through your digital banking and EFT connectors.
Open API Gateway
Enable your partners’ and customers’ digital systems to seamlessly connect to our Instant Payment Xchange through a comprehensive suite of Open APIs.
Stay ahead of the competition
The IPX solution with connectivity to the FedNow Service empowers financial institutions to outshine their competition by better serving individuals and businesses, who increasingly want advanced digital payment services.
Create new revenue streams
Instant payments drive revenue through enhanced money movement services, and accountholder engagement, keeping financial institutions competitive in the digital finance landscape.
Boost brand loyalty & win business
Giving your accountholders the ability to send and receive money in real-time helps your financial institution stay competitive. With Payfinia IPX you’ll have the right tools to retain your existing accountholders, while being able to attract and delight new ones.
Provide a flexible solution
Accountholders can enjoy the flexibility provided by instant payments, including the ability to fulfill last-minute or urgent payments. Meanwhile, businesses can enhance cash management, streamline transaction timing, automate vendor payments and more, ensuring efficiency across all use cases.
