# Neural Payments

> Neural Payments helps banks and credit unions futureproof their payments strategy. Its AI-powered payments hub adds FI Payouts for the institution itself and white-labeled P2P across FedNow, RTP, ACH and push-to-card, without rebuilding the stack. Every payment is scored by AI and screened by a configurable Fraud Rules Engine.

Neural Payments sells to banks and credit unions (not to consumers directly). Members use it inside their own institution's mobile or online banking app. Headquarters: 9378 Mason Montgomery Rd., Suite 232, Mason, OH 45040.

Key facts:
- Recipients do not need an app or an account at the sender's institution; they choose a bank account, debit card or digital wallet.
- Fully white-labeled under the institution's brand.
- Rails: RTP, FedNow, ACH, push-to-card (debit networks) and digital wallets.
- Most institutions launch P2P in as little as 90 days; FedNow can be enabled in as little as 30 days on the Hub.
- Pre-built integrations with leading digital banking providers including Q2, Alkami, Apiture and FIS.
- The Fraud Rules Engine is included with every product.
- Won Best of Show at FinovateFall 2026 with a live Visa Direct and Visa Alias Directory demo.
- Alkami Alliance Partner (Alkami Summer 2026 release); integrates with Visa Direct, FedNow and RTP.
- FIS offers Neural Payments to its client institutions over the NYCE debit network (announced August 2024); Neural Payments is an FIS Fintech Accelerator alum and 2022 Demo Day Award winner.
- Catalyst Corporate Federal Credit Union acquired a strategic ownership stake in Neural Payments in March 2026.

## Products

- [FI Payouts](https://neuralpayments.com/fi-payouts): Neural 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.
- [P2P Payments](https://neuralpayments.com/peer-to-peer): Neural Payments P2P is a white-labeled peer-to-peer payment experience that runs natively inside a financial institution’s existing mobile banking app. Senders send money to anyone by phone number or email. Recipients do not need to bank with the sender’s institution or download an app; they choose to receive funds to a bank account, debit card or digital wallet. Members can also schedule one-time or recurring payments, such as monthly rent, and use Request For Pay to ask anyone for money by phone number or email; people outside the institution pay from a debit card on the institution’s branded page. Every transfer is screened by the Neural Payments Fraud Rules Engine. Most institutions can launch in as little as 90 days.
- [Fraud Rules Engine](https://neuralpayments.com/fraud-rules-engine): The Neural Payments Fraud Rules Engine screens every transaction in real time and is included with every Neural Payments product. Each payment receives a Neural Payments Risk Score from 1 to 10, an AI score based on the sender’s previous history and fraud metrics, and institutions can act on it automatically (for example: if the score is above 8, reject the payment and suspend the user). Institutions also configure their own rules (transaction limits, velocity, inactive senders, recipient monitoring, time-based restrictions and step-up authentication), receive real-time action alerts, maintain institution-specific and global exclusion lists, and can test rules in Observation Mode before enforcing them.
- [FedNow Integration](https://neuralpayments.com/fednow-integration): Neural Payments connects banks and credit unions to FedNow, the Federal Reserve’s 24/7/365 instant payment network, through the Neural Payments Hub. Institutions already on the Hub can enable FedNow in as little as 30 days. It supports peer-to-peer, account-to-account and request-for-payment transactions. FedNow-specific fraud rules (dollar limits, frequency caps, originator and recipient logic, block and allow lists) are managed in the admin portal.
- [Account Funding](https://neuralpayments.com/account-funding): Neural Payments Account Funding lets members fund new or existing accounts in real time from an external debit card, inside the institution’s mobile banking app. Card entry is hosted in a PCI-compliant iframe so sensitive data never touches the institution’s systems. It supports debit card rails, FedNow, RTP and ACH, and every funding is screened by the Fraud Rules Engine.

## Platform

- [What Is A Payments Hub?](https://neuralpayments.com/what-is-a-payment-hub): How a true payments hub differs from a legacy wrapper.
- [Solutions](https://neuralpayments.com/solutions): Who Neural Payments is for and why institutions switch.
- [Product Demos](https://neuralpayments.com/demos): "You Owe Alex For Pizza" (0:49): A member sends $25 for pizza to a phone number, texts the claim link from Messages, and the recipient claims it to a debit card with no app download. "Alex Owes You For Utilities" (0:52): A member requests $43.64 for utilities by phone number and texts the request link from Messages. The person paying opens a page branded for the institution and pays with a debit card, with no app or account. "Rent Is Due Every Month" (0:28): A member schedules $450 for rent to go out on the 1st of every month, with an end date so it stops on its own when the lease ends.

## Company

- [About](https://neuralpayments.com/about): Story, mission, values and leadership team.
- [What's New](https://neuralpayments.com/whats-new): Latest product launches.
- [News](https://neuralpayments.com/news): Company announcements.
- [Events](https://neuralpayments.com/news-events): Conferences where the team will be.
- [Contact](https://neuralpayments.com/contact) and [Book A Demo](https://neuralpayments.com/book-a-demo)

## Blog

- [Overcoming the Real-Time Gap: Why instant payments adoption is a strategy problem, not an infrastructure one](https://neuralpayments.com/blog/overcoming-the-real-time-gap): Explore the strategic barriers to real-time payments adoption and discover how a multi-rail approach can enhance financial institutions' competitive edge.
- [What Do I Need To Know About Stablecoins? A Guide For Banks & Credit Unions](https://neuralpayments.com/blog/what-do-i-need-to-know-about-stablecoins-a-guide-for-banks-credit-unions): What do Banks and Credit Unions need to know about stablecoins? Today we explore where things stand with the recent passing of the GENIUS act, and what Financial Institutions need to know moving forward.
- [You Launched Your Mobile App. Now What?](https://neuralpayments.com/blog/you-launched-your-mobile-app-now-what): Discover strategies to turn your mobile banking app into a powerful growth engine by boosting engagement and retaining users. Learn how to keep users within your ecosystem.
- [Beyond Zelle: A Modern P2P Alternative for Banks and Credit Unions](https://neuralpayments.com/blog/beyond-zelle-a-modern-p2p-alternative-for-banks-and-credit-unions): Discover why banks and credit unions need a flexible, fraud-resistant P2P payment solution as Zelle sunsets its app. Explore Neural Payments for a modern, secure alternative.
- [Zelle App Shutdown: What It Means for P2P Payments](https://neuralpayments.com/blog/zelle-app-shutdown-what-it-means-for-p2p-payments): Zelle's standalone app is shutting down. Learn how this impacts P2P payments and explore alternative payment platforms to suit your needs.
- [Fixing The Payments Problem: Secure, Flexible Solutions](https://neuralpayments.com/blog/fixing-the-payments-problem): Revolutionize your financial institution's payment processes with Neural Payments' secure, adaptable, and seamless payments engine. Enhance capabilities and ensure customer satisfaction. Contact us to learn more.
- [The Importance of P2P Payments for Fintechs](https://neuralpayments.com/blog/the-importance-of-p2p-payments-for-fintechs): Peer-to-peer (P2P) is the current primary payment method between friends & family, with nearly half of consumers making P2P payments at least once weekly.
- [The Rise of P2P Payments: Why Offering Direct P2P in Your Digital Banking Makes Sense](https://neuralpayments.com/blog/direct-p2p): Why Offering Direct P2P in Your Digital Banking Makes Sense
- [The Power of Branding Transactions: How it Can Help Your Financial Institution Grow](https://neuralpayments.com/blog/branding-transactions): How Branding Transactions Can Help Your Financial Institution Grow
- [P2P Banking: Innovative Strategies to Maximize ROI](https://neuralpayments.com/blog/p2p-banking): Don't settle for standard digital banking tools; find those specifically designed for your consumers’ needs.
- [Why Banks and Credit Unions Should Offer P2P Services](https://neuralpayments.com/blog/embracing-the-future): Discover why banks and credit unions should integrate P2P services to enhance convenience, reduce costs, and improve security for their customers.
- [Fight Check Fraud](https://neuralpayments.com/blog/fight-check-fraud): Financial institutions can leverage Neural Payments P2P to help significantly reduce check fraud and associated costs.

## News

- [Mick Oppy On The Finovate Podcast: Bringing Payments To The Masses With Any To Any Payments](https://neuralpayments.com/news/finovate-podcast-mick-oppy-any-to-any-payments) (2026-11-12): Neural Payments founder and CEO Mick Oppy joined Greg Palmer on the Finovate Podcast to talk about winning Best of Show at FinovateFall 2026, any to any payments, and embedding real-time payments inside the apps banks and credit unions already offer.
- [Neural Payments Wins Best Of Show At FinovateFall 2026 With Visa Alias Directory Demo](https://neuralpayments.com/news/neural-payments-wins-best-of-show-finovatefall-2026-visa-alias-directory) (2026-09-23): Neural Payments won Best of Show at FinovateFall 2026 with a live demo of Visa Alias Directory, showing how credit unions and community banks can send real-time payments using only a phone number, email or app handle.
- [Neural Payments Joins Alkami As An Alliance Partner, Bringing Real-Time P2P To The Alkami Digital Banking Platform](https://neuralpayments.com/news/neural-payments-alkami-alliance-partner-real-time-p2p) (2026-07-22): Neural Payments is now available on the Alkami Digital Banking Platform as an Alliance Partner, so banks and credit unions on Alkami can embed white-labeled, real-time P2P in online and mobile banking.
- [Product Update June 2026: Failed Transfer Notifications, Q2 Payment Confirmation And Smarter Debit Card Checks](https://neuralpayments.com/news/product-update-june-2026) (2026-06-24): Neural Payments June 2026 release notes: configurable failed transfer notifications, a payment confirmation step for Q2 institutions, refunds to the original card and improved debit card eligibility checks.
- [What Neural Payments Is Building In 2026: FedNow, Graduated KYC, Payouts, Stablecoin And Request For Payment](https://neuralpayments.com/news/what-neural-payments-is-building-in-2026) (2026-06-02): Neural Payments' 2026 roadmap for banks and credit unions: live FedNow, graduated KYC with Trust Stamp, Payouts for business payments, stablecoin settlement and Request for Payment, all through one Payments Hub integration.
- [Catalyst Acquires Strategic Ownership Stake In Neural Payments To Accelerate Payments Innovation For Credit Unions](https://neuralpayments.com/news/catalyst-acquires-strategic-ownership-stake-in-neural-payments) (2026-03-31): Catalyst Corporate Federal Credit Union has acquired a strategic ownership stake in Neural Payments, deepening their partnership and accelerating real-time, embedded payments for credit unions.
- [Neural Payments Partners With Trust Stamp to Bring Innovative ID Security to the $3.2 Trillion P2P Payment Sector](https://neuralpayments.com/news/trust-stamp-partners-with-neural-payments-to-bring-innovative-id-security-to-the-3-2-trillion-p2p-payment-sector) (2025-06-30): Neural Payments partners with Trust Stamp to enhance P2P payment security and user experience for financial institutions, prioritizing fraud prevention and seamless transactions.
- [Product Update June 2025: More Targeted Fraud Rules And Scheduled Transfer Notifications](https://neuralpayments.com/news/product-update-june-2025) (2025-06-12): Neural Payments June 2025 release: Fraud Rules can now target specific transfer types, networks and times of day, and senders can be notified when a scheduled transfer is created.
- [Neural Payments Is Available To Q2 Banks And Credit Unions Through Q2 Innovation Studio](https://neuralpayments.com/news/neural-payments-q2-innovation-studio) (2025-05-08): Neural Payments is a Q2 Innovation Studio partner. Q2 banks and credit unions can add white-labeled, real-time P2P that looks and feels native to Q2 digital banking.
- [Credit Unions On Lumin Digital Can Now Offer Real-Time P2P With Neural Payments](https://neuralpayments.com/news/neural-payments-lumin-digital-real-time-p2p) (2025-01-23): Neural Payments integrates with the Lumin Digital banking platform, so credit unions on Lumin can embed white-labeled, real-time P2P in online and mobile banking.
- [Neural Payments And Pidgin Bring FedNow And RTP Instant Payments To Banks And Credit Unions](https://neuralpayments.com/news/neural-payments-pidgin-fednow-rtp) (2025-01-10): Neural Payments connects to FedNow and RTP through Pidgin, giving banks and credit unions instant account-to-account payments inside white-labeled P2P.
- [FIS Teams With Neural Payments To Bring Embedded P2P To Banks And Credit Unions Over The NYCE Debit Network](https://neuralpayments.com/news/fis-neural-payments-nyce-p2p) (2024-08-15): FIS is offering the Neural Payments white-labeled P2P solution to its client banks and credit unions, embedded in mobile banking and powered by FIS scale and the NYCE debit network.
- [Neural Payments Integrates with ebankIT To Offer Seamless Payments Solutions](https://neuralpayments.com/news/neural-payments-integrates-with-ebankit-to-offer-seamless-payments-solutions) (2024-04-11): Neural Payments partners with ebankIT to enhance digital banking with seamless, secure P2P payments and fraud prevention solutions.
- [Neural Payments and Alloya FCU Partner to Offer Credit Union P2P Payments](https://neuralpayments.com/news/neural-payments-and-alloya-corporate-fcu-partner-to-offer-p2p-to-credit-unions) (2024-01-09): Neural Payments and Alloya Corporate FCU partner to offer integrated P2P payment solutions, enhancing security and user experience for credit union members

## FAQ

- **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.

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