Every Rail From One Integration
FedNow, RTP, ACH and push-to-card sit behind one connection, so your team is not building and maintaining each rail separately.
FI Payouts
Instant Disbursements From Your Institution
FI Payouts is for the institution itself. Send disbursements and payouts to members and anyone else across FedNow, RTP, ACH and push-to-card, from one integration.
- FedNow, RTP, ACH and push-to-card
- Push-to-card through Visa Direct
- One integration for every payout
disbursements_today 312 payouts
Loan Disbursement · M. ChenFedNow$8,500.00
Member Refund · A. OrtizPush To Card$42.18
Account Closeout · R. PatelRTP$1,215.33
Rewards Payout · S. GreenPush To Card$150.00
Escrow Refund · T. WalshACH$2,064.90
Illustrative example.
In ShortNeural Payments FI Payouts is for banks and credit unions that need to send their own money out: loan disbursements, refunds, account closeouts, rewards and other institution payouts. It sends instant disbursements and payouts across FedNow, RTP, ACH and push-to-card through Visa Direct from a single integration, routes each payout to the right rail, and scores every payout with the Neural Payments AI Risk Score before money moves.
What You Get
Built For Your Institution
Instant Disbursements
Loan proceeds, refunds, account closeouts and rewards reach recipients in seconds instead of waiting on a check or a batch.
Push-To-Card Through Visa Direct
Send money straight to an eligible debit card through Visa Direct when that is the fastest way to reach someone.
Smart Routing Per Payout
Each payout is routed across FedNow, RTP, ACH or push-to-card to balance speed and cost.
AI Screening On Every Payout
The AI Risk Score and Fraud Rules Engine check every payout before it leaves the institution.
Fits The Stack You Have
FI Payouts connects to your existing core and payment systems, so you add rails without rebuilding anything.
The Payments Hub
One Integration For Every Payment Rail
FAQ
FI Payouts Questions
Who is FI Payouts for?
Banks and credit unions themselves. FI Payouts handles the money the institution sends out, such as loan disbursements, refunds, account closeouts and rewards.
Which rails does FI Payouts support?
FedNow, RTP, ACH and push-to-card through Visa Direct, from one integration.
Does FI Payouts work with FIS?
Yes. Neural Payments connects into the FIS Money Movement Hub, so FIS institutions can add these rails without rebuilding their stack.
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.
Also On The Neural Payments Hub
P2P Payments
Members send money to anyone by phone number or email, right inside your banking app.
Fraud Rules Engine
Real-time, configurable fraud controls included with every product.
FedNow Integration Now Available
Turn on FedNow through the Neural Payments Hub in as little as 30 days.
Account Funding
Members load new or existing accounts from an outside debit card in seconds.