Instantly integrate with FedNow, all through your Neural Payments Hub

FedNow is the Federal Reserve’s real-time payment network, allowing financial institutions to send and receive instant payments 24/7/365. It supports both consumer and business transactions, enabling immediate settlement between accounts.

We support peer-to-peer (P2P), account-to-account (A2A) and request-for-payment (RFP) payments through FedNow. Whether you're looking to enable consumer instant transfers or internal transfers across business accounts, our platform handles it securely and in real-time.

Yes, but it requires robust and thoughtful fraud controls. Because FedNow operates 24/7 with immediate settlement, banks and credit unions must implement advanced risk mitigation. Neural Payments solves this through our Fraud Rules Engine, which protects your institution from threat actors without compromising instant access.

A payments hub is the core technology that enables the seamless movement of money between senders and recipients. Neural Payments' engine goes beyond simple transactions, providing a fast, secure, and flexible platform that integrates seamlessly with your financial institution’s digital systems. It empowers users to send payments instantly to any bank account, debit card, or popular fintech wallet, giving recipients the freedom to choose how they receive funds—no need for a shared app or platform.

With Neural Payments, you’re not just processing payments; you’re delivering a modern, customer-focused experience that enhances trust and satisfaction.

Neural Payments' advanced fraud rule engine combines real-time monitoring, machine learning, and customizable rules to minimize fraudulent activity while ensuring smooth payment processing. Here's how it works:

• Real-Time Detection: Transactions are analyzed instantly to detect unusual patterns, such as abnormal amounts or suspicious accounts.
• Customizable Rules: Your financial institution can tailor fraud rules to match your risk tolerance, ensuring maximum protection with minimal disruption.
• Proactive Updates: Our engine continuously learns and adapts to emerging fraud threats, keeping your institution one step ahead.

The result? A safer payments experience for you and your customers without sacrificing speed or convenience.

All payments through our FedNow integration are monitored and gated by our Fraud Rules Engine, which includes:

• Customizable thresholds and velocity limits

• PCI-compliant iframe protection for front-end experiences

• Real-time transaction scoring

• Support for tiered user limits based on account risk profile

Our system enables Compliance Officers to tailor fraud logic to your institution’s risk appetite, giving you real-time control without introducing latency.

“Compliance Officers can rest assured that all money movement exceeds industry standards of consumer protection.”

Absolutely. You can configure rules specific to FedNow transactions, including maximum dollar amounts, frequency caps, originator/recipient logic, and even block/allow lists. These settings are controlled via your admin dashboard.

If you're already a Neural Payments customer, activation is simple:

1. Request FedNow activation via your account manager.

2. Complete the compliance and rule configuration onboarding.

3. Begin sending and receiving instant payments, fully white-labeled.

If you're a new customer, we’ll handle the full process, including integration with your core system and digital banking provider.

Neural Payments integrates with most leading digital banking providers, including:

• Q2

• Alkami

• Apiture

• FIS
  ...and many more. If your provider isn’t listed, reach out, we likely already support them.

For a full list of our current digital banking support, follow the link here. Don't see your institution? Reach out anyway, we're always looking for pilots to work with in integrating to new platforms.

Since our FedNow solution is built for the Neural Payments Hub, integration with our underlying payment technology will still be required to access our FedNow features.