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APTYS Solutions

Aptys Solutions

Solution(s): Instant Pay
Website(s): aptyssolutions.com (Off-site)
Contact: askme@aptyssolutions.com

Inclusion of a provider in the exchange does not reflect any recommendation or endorsement by the Federal Reserve, or any relationship between the provider and the Federal Reserve. Learn more.

Services and products to support the FedNow® Service

Instant Pay is Aptys’ next generation SaaS platform built to launch financial institutions into the instant payments era. As a core module of Aptys’ PayLOGICS Suite — a unified payments hub processing billions of transactions each month — Instant Pay gives institutions a fast, powerful path onto the FedNow Service and beyond. With Instant Pay, financial institutions can onboard quickly while unlocking a full suite of real-time payment capabilities, including:

  • Sending/receiving credit transfers
  • Initiating/processing return requests
  • Receiving/responding to requests for payment (RFPs)
  • Sending RFPs/managing inbound responses
  • Initiating credit transfers directly from RFPs

Instant Pay integrates seamlessly with core and third-party systems, and Aptys already supports many of the most popular providers. The result is a smooth, low friction experience that accelerates time to value. The UI gives FIs and settlement providers real-time visibility into all FedNow activity. From one intuitive interface, users can:

  • Monitor/manage transactions in real time
  • Configure controls such as limits/user roles
  • Track activity with clarity and confidence

Instant Pay also supports The Clearing House’s RTP® network, enabling institutions to operate on one or both real-time payment rails through a single, unified platform — positioning them to meet customer expectations today while preparing for tomorrow’s innovation.

To power broader ecosystem connectivity, Instant Pay includes robust APIs that allow online banking platforms, payment apps, bill pay providers, loan origination systems and other partners to integrate effortlessly. An optional SDK with prebuilt UI components further accelerates deployment and onboarding

Segment type(s)

  • End-User Service Provider
  • Financial Institution Service Provider

Solution type(s)

  • Correspondent Services (settlement)
  • Digital User Experience (mobile/online interfaces)
  • Payment Service Providers
  • Payments Hubs/Platforms/Payment Gateways
  • Risk Management and Fraud Services

Use cases/markets served

  • Bill Pay and Presentment
  • Brokerage
  • Construction
  • Digital Wallet Funding/Defunding
  • Government (e.g., municipality, state, federal)
  • Health Care
  • Insurance
  • Loans (direct or indirect)
  • Merchant
  • P2P Payments
  • Payroll
  • Real Estate (e.g., escrow, property management)

FedNow functionality supported

  • Back Office/Treasury Management Services
  • Connectivity to the FedNow Service via FedLine® Solutions
  • Correspondent Settlement Services
  • FedNow Profile Management
  • FI Staff-Initiated Transactions
  • Receiving FedNow Transactions
  • RFP Transactions – Businesses Receiving
  • RFP Transactions – Businesses Sending
  • RFP Transactions – Consumers Receiving
  • RFP Transactions – Consumers Sending
  • Sending FedNow Transactions – Business Accounts
  • Sending FedNow Transactions – Consumer Accounts

Ability to integrate with outside core processing solutions

  • Yes, any (core agnostic)

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Note on exchange information

Federal Reserve Financial Services (FRFS) is solely a host for the information presented in this Innovator Exchange and the inclusion or exclusion of a provider should in no way imply any relationship with, or recommendation or endorsement by, the Federal Reserve. Exchange presenters are not utilized by the Federal Reserve for the production or delivery of the FedNow Service. FRFS takes no responsibility for the content or accuracy of the information presented. Users of the exchange should perform their own due diligence on providers. See the Terms of Use and Privacy Policy for additional information.