Payfinia Expands Embedded Instant Payment Services to the RTP® Network, Delivering Unified Fraud Controls and Payment Orchestration Across Both Real-Time Rails

IPX platform now spans to the RTP® and FedNow® networks with native fraud controls, an award-winning QR code payment workflow, and a forthcoming Payments Control Module

PORTLAND, Ore.--(BUSINESS WIRE)--Payfinia, an independent payment services firm specializing in embedded instant payment solutions for community financial institutions, has completed integration with The Clearing House RTP® network and is now officially able to connect to the instant payment network on behalf of financial institutions through its Instant Payment Xchange (IPX) platform. The milestone extends Payfinia’s multi-rail reach across both the RTP network and the FedNow® Service, delivering true payment orchestration from a single, unified integration point for the company’s growing roster of nearly 30 community financial institution (FI) clients.

The RTP network, operated by The Clearing House, provides immediate clearing and settlement capabilities 24/7/365. Through Payfinia’s integration, community FIs and fintech partners gain access to both the RTP network and FedNow® Service through a single onboarding experience, dramatically reducing time-to-live and operational complexity. At the heart of the IPX platform are unified, native fraud controls applied consistently across both instant payment networks, focusing on the send participation profile. The IPX capabilities simplify fraud processes and compliance for both networks while strengthening their overall risk posture.

Building on this foundation, Payfinia is preparing to release its Payments Control Module, a purpose-built capability designed to enable a diverse suite of disbursement capabilities for community FIs. The Payments Control Module will allow FIs to make intelligent outbound payment routing decisions across both networks based on configurable business rules. The module further broadens the platform’s support for a wide range of B2B use cases, including supplier payments, instant disbursements to auto dealers, insurance disbursements, and earned wage access, through a single, unified operational framework.

IPX’s award-winning QR code payment workflow, recognized for its innovation in simplifying instant payment initiation, will also be extended to the RTP network, bringing its streamlined, scan-to-pay experience to an additional instant payment rail and expanding accessibility for community FIs. Payfinia also plans to introduce peer-to-peer (P2P) payment capabilities in late 2026, enabling community FIs to compete more directly with large bank and fintech P2P offerings by leveraging the multi-rail infrastructure already in place.

Payfinia has already enabled its first credit union clients to go live on the RTP network through IPX, including Star One Credit Union, Credit Union of Colorado, and Patelco Credit Union, with a broad portfolio of financial institutions expected to launch in the next few months. Since its official November 2024 launch, the platform has attracted nearly 30 community FI clients, standing as a testament to the demand for an accessible, affordable, and fully integrated instant payment solution built specifically for community FIs.

“Being able to send and receive payments over the RTP network completes our multi-rail foundation and unlocks something truly differentiated for the market,” said Keith Riddle, CEO of Payfinia. “By expanding our embedded payment services to the RTP network and unifying native fraud controls across both rails, we eliminate the onboarding complexity and expense that has historically slowed FI adoption. Nearly 30 community FIs have already recognized this value since our launch in November 2024, and we’re just getting started. With our Payments Control Module enabling a diverse suite of disbursement capabilities, an FI-branded digital wallet service creating enhanced engagement and new eCommerce revenue opportunities, our award-winning QR code payment workflow spanning an additional network, and P2P capabilities on the horizon for late 2026, Payfinia is enabling the embedded payments infrastructure that community FIs deserve.”

Payfinia’s IPX platform is purpose-built around comprehensive payment orchestration, enabling community FIs and fintech partners to access, manage, and route instant payments across both the RTP network and FedNow® Service without requiring separate operational infrastructures or duplicative fraud investments. The platform’s unified, native fraud controls are applied consistently across both networks and send/receive profiles, providing a single risk management posture from a single integration point. With the forthcoming Payments Control Module, an expanding QR code payment workflow, a growing community FI client base of nearly 30 institutions, and P2P capabilities slated for late 2026, Payfinia is positioned as the definitive embedded instant payment partner for community financial institutions seeking to scale confidently across real-time payment rails.

About Payfinia Inc.

Payfinia Inc. is an independent payments company specializing in embedded instant payment services for community financial institutions (CFIs) and fintech partners. Payfinia’s flagship product, the Instant Payment Xchange (IPX), is a secure, scalable, and affordable multi-rail payment platform certified on both the RTP® network and FedNow® Service. IPX delivers a unified onboarding experience, comprehensive native fraud controls across send and receive participation profiles, and an award-winning QR code payment workflow—with a forthcoming Payments Control Module designed to enable a diverse suite of disbursement capabilities for community FIs, and P2P capabilities planned for late 2026. Since its official launch in November 2024, Payfinia has grown to nearly 30 community FI clients. To learn more, visit payfinia.com or follow the company on LinkedIn.