DIFFERENCES BETWEEN FEDNOW AND RTP
A table summarizing the differences between the US Federal Reserve’s FedNow and the Clearinghouse’s RTP
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ACH
WHAT IS AN ACH DEBIT & HOW CAN THEY BENEFIT BUSINESSES? (ACH at POS)
This article describes the various use cases for ACH debit, including at Point-of-Sale.
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PAYMENTS CLOUD (PAYMENTS PROCESSING, ZELLE, ACH, POS)
A link to IT solutions provider Payments Cloud, a card processor also providing merchants with alternative payments such as Zelle.
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HOW FASTER PAYMENTS WILL IMPACT FINTECHS
A slide showing graphicly how same day and realtime payments may impact fintechs, including insurance, healthcare and other verticals with a strong payments component.
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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
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TECH TALK: THE ROAD TO REAL-TIME PAYMENTS
A video presentation by John Anderson of PLAID, Lily Varon of Forrester, and Akashi Desai of Novo, about the state of real-time payments, with a special focus on fraud.
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HOW TO ACCEPT ACH PAYMENTS AS A BUSINESS
Stripe describes the procedures to follow for businesses to accept ACH.
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THE PAST, PRESENT, & FUTURE OF BIG BANK CONSORTIUMS (PROBLEMS)
An article describing why bank consortia succeed or fail.
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