Real-Time Payments

REAL-TIME PAYMENTS

Real-Time and
Built for What’s Next

iPayed™ is building the infrastructure to move money instantly within our ecosystem and seamlessly connect to external payment rails when needed.

  • Instant settlement within the iPayed™ closed loop
  • Seamless connectivity to the outside world
  • Secure, compliant, and transparent transactions
Real-time iPayed™ closed-loop and external payment connectivity illustration

Traditional vs. iPayed™ Real-Time Payments

Traditional Payment Flow

Multiple steps. Multiple parties. Delayed settlement.

Traditional payment flow from customer through processor, network, bank and settlement to merchant
CustomerProcessorNetworkBankSettlementMerchant
  • Multiple intermediaries
  • Batch processing & delays
  • Higher costs
  • Limited visibility
  • Not real-time

iPayed™ Real-Time Flow

Fewer steps. Instant settlement. Lower cost.

iPayed™ customer to closed-loop ledger to iPayed™ business instant settlement flow

Need to move funds outside the ecosystem?

iPayed™ connects securely to external payment rails.

ACH FedNow® FedWire® Card Networks Other Banks

Built for Real-Time. Designed for Everyone.

Instant Settlement

Instant Settlement

Qualifying payments between iPayed™ members are designed to settle in real time on our proprietary ledger.

Lower Costs

Lower Costs

Reduce reliance on unnecessary intermediaries and lower payment costs.

Always Connected

Always Connected

Seamless access to external rails when funds need to enter or leave the ecosystem.

Full Visibility

Full Visibility

Real-time transaction monitoring and reporting for greater control and transparency.

Secure by Design

Secure by Design

Bank-grade security built to meet the highest standards for compliance, privacy, regulatory oversight, encryption, and fraud prevention at every layer.

Financial Inclusion

Financial Inclusion

Expanding access to secure, affordable digital payments for people who are unbanked, underbanked, or cash-reliant.

The Future of Payments is Real-Time.

Faster. Smarter. More Efficient. Built on the iPayed™ Platform.

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