Push-To-Card Through Visa Direct
- Push-to-card payments to eligible debit cards through Visa Direct
- Best Of Show at FinovateFall 2026 with a live Visa Direct demo
Futureproof Your Payments Strategy
Neural Payments helps credit unions and community banks keep up with real-time payments, new payment methods and what their business members expect, without rebuilding their stack.
AI built in. Every payment is scored by AI before it moves. Best Of Show FinovateFall 2026 Built For Fast Integration With The Platforms You Already Run
AI In Every Payment
AI Is How The Platform Works, Not A Side Feature
AI sits inside the payment flow itself. It scores every payment before money moves, and your rules decide what happens next.
Scores Every Payment
Each payment gets an AI Risk Score from 1 to 10, built from the sender’s history and fraud metrics, before it is sent.
Reads The Signals
New devices, recent credential changes, unusual amounts and recipient risk all feed the score in real time.
Acts On Your Rules
Approve, hold, reject, suspend the user or ask for step-up authentication. Your team sets the thresholds.
Rules
If score is above 8
Live Transfers
4 of 7 flagged- Jordan P. to RoommatePassed all rulesSends to this roommate monthly1/10$42Approved
- Sam R. to New contactOver $1,500 limitFirst transfer to recipient · 4x usual amount6/10$1,800Rejected
- Avery L. to Flagged recipientRecipient on exclusion listRecipient tied to reported fraud9/10$250Rejected
- Chris D. to LandlordPassed all rulesSame amount on the 1st each month2/10$1,450Approved
- Morgan T. to New contactSender inactive 180+ daysDormant 210 days · Overnight · New recipient8/10$900Held
- Taylor B. to New contactRisk Score 10 is above 8New device · Password reset 20 min ago · Recipient account 2 days old10/10$480Suspended
- Riley K. to SisterPassed all rulesLong history with recipient1/10$25Approved
Illustrative example with fictional transfers.
For Your Institution
FI Payouts
Send your own institution’s money out instantly, on whichever rail reaches the recipient fastest.
Explore FI Payouts → Who It’s For
The bank or credit union itself: the teams that send loan disbursements, refunds, account closeouts and rewards.
What It Does
- Instant disbursements and payouts from the institution
- FedNow, RTP, ACH and push-to-card from one integration
- Push-to-card through Visa Direct
- Every payout scored by AI before it moves
Built With Visa And FIS
Connected To The Networks Your Institution Already Trusts
Connected Into The FIS Money Movement Hub
- Neural Payments connects into the FIS Money Movement Hub
- FIS offers Neural Payments to its client banks and credit unions
- Pre-built for FIS digital banking
Already Offer Zelle?
We Complete Zelle, We Don’t Compete With It
Most of the institutions we work with already offer Zelle. Neural Payments is not a replacement. We fill the gaps Zelle doesn’t cover, and everything sits alongside your existing Zelle offering.
Your Digital Banking App
ZelleStays exactly as it is today
Neural Payments Fills The Gaps
- Business payouts
- Push-to-card
- Small-business payments
- Instant disbursements
90days To go live with P2P, for most institutions
30days To switch on FedNow once you are on the Hub
90% Of mobile banking providers already pre-integrated
0apps For a recipient to download to get their money
The Payments Hub
One Integration For Every Payment Rail
Most "hubs" are a wrapper on legacy plumbing. Ours was built as a hub from day one, moving money across ISO 8583, ISO 20022 and API-based rails through a single, white-labeled integration.
- RTPReal-time account to account
- FedNowFederal Reserve instant payments
- Push To CardDebit card networks
- ACHSame-day and standard
- Digital WalletsPopular consumer wallets
More Products
More On The Same Payments Engine
P2P Payments
Members send money to anyone by phone number or email, right inside your banking app.
- Send to a phone number or email
- Request money from anyone
- Scheduled and recurring payments
Fraud Rules Engine
Real-time, configurable fraud controls included with every product.
See the engine →FedNow Integration
Turn on FedNow through the Neural Payments Hub in as little as 30 days.
FedNow details →Account Funding
Members load new or existing accounts from an outside debit card in seconds.
Explore funding →Why Neural Payments
Keep Your Brand, Members And Deposits In House
New rails and new products, added to the stack you already run, under your name.
Fully White-Labeled
Your name on the send flow, the text and the claim page. Not co-branded.
Lower Acquisition Cost
Every outside recipient experiences your brand first. That is a warm lead.
Recapture Deposits
Keep money movement in your ecosystem instead of a third-party wallet.
Live In 90 Days
Pre-built integrations get most institutions launched in as little as 90 days.
What Partners Say
“Neural Payments’ fraud rule engine has allowed us to control our P2P losses, and the alerts help us detect online banking account takeovers more quickly. The ability to quickly adjust rules, notifications, and block lists has helped us keep our fraud losses to a minimum.”
“Highly knowledgeable staff dedicated to ensuring a high quality solution.”
“They were amazing to work with and they were very open to our suggestions and trying to help us bring the vision we had to market.”
“Thank you for listening to your partners, hearing our feedback, and taking action.”
In The News
Latest From Neural Payments
Mick Oppy On The Finovate Podcast: Bringing Payments To The Masses With Any To Any Payments
Neural Payments · 1 min readNeural Payments Wins Best Of Show At FinovateFall 2026 With Visa Alias Directory Demo
Neural Payments · 2 min read
Neural Payments Joins Alkami As An Alliance Partner, Bringing Real-Time P2P To The Alkami Digital Banking Platform
Neural Payments · 1 min readFAQ
Everything Banks And Credit Unions Ask Us
What is Neural Payments?
Neural Payments helps banks and credit unions futureproof their payments strategy. Its AI-powered payments hub powers FI Payouts for the institution itself, P2P, account funding and FedNow access inside the institution’s existing digital banking app, without rebuilding the stack.
How does Neural Payments use AI?
AI is part of how every payment moves. Each payment gets a Neural Payments AI Risk Score from 1 to 10 before it is sent, based on the sender’s history and fraud signals such as new devices, recent credential changes, unusual amounts and recipient risk. The institution’s rules decide what happens next: approve, hold, reject, suspend the user or ask for step-up authentication.
Does Neural Payments replace Zelle?
No. Most of the institutions we work with already offer Zelle, and Neural Payments sits alongside it. We fill the gaps Zelle does not cover, such as business payouts, push-to-card and small-business payments.
How does Neural Payments work with Visa and FIS?
For Visa, Neural Payments sends push-to-card payments through Visa Direct and adds controls on the business cards an institution already issues. For FIS, Neural Payments connects into the FIS Money Movement Hub.
What is a payments engine?
A payments engine is the core technology that moves money between senders and recipients. The Neural Payments engine connects ISO 8583, ISO 20022 and API-based rails so a single integration can reach bank accounts, debit cards and digital wallets.
Who can receive payments?
Anyone. Recipients do not need to bank with the sender’s institution. They choose to receive funds to a bank account, a debit card or a digital wallet, with no app download.
Which payment networks does Neural Payments integrate with?
ACH and RTP, FedNow, debit card networks for push-to-card, and popular digital wallets.
Which financial institutions is Neural Payments built for?
Community banks and credit unions modernizing their digital offering, mid-sized banks focused on fraud reduction and real-time payments, large institutions that need a scalable engine, and non-traditional providers that need payouts and account funding.
Which digital banking platforms are supported?
Neural Payments integrates with most leading digital banking providers, including Q2, Alkami, Apiture and FIS. If your provider is not listed, ask; it is likely already supported.