Smarter, Faster
Instant Payments
Fifth Third’s Instant Payments solution, powered by RTP®, delivers real-time settlement and 24/7/365 availability.
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Modernize Your Payment Operations
Why wait hours, or even days, for a payment to process? Fifth Third’s Instant Payments solution enables real-time clearing and settlement, accelerating access to working capital, minimizing risk and streamlining financial operations. It gives your business greater control, transparency and security across every transaction.
Funds Availablity
- Access and move funds instantly with 24/7/365 availability, including nights, weekends and holidays.
- Accelerate cash flow, eliminate payment delays and unlock working capital.
Seamless Integration
- Embed instant payments with Newline™ by Fifth Third through developer-friendly APIs, supporting RTP®.
- Support for cross-platform interoperability.
Irrevocable Payments
- Enjoy peace of mind that your payments are final, reducing chargeback risk.
- Create operational certainty with payments that are immediate, final and predictable.
Immediacy
- Settle payments in seconds with no delays, holds or access restrictions.
- Receive immediate confirmation and real-time transaction status updates for enhanced transparency and trust.
Deliver the Speed Customers Expect
Customers and businesses expect speed and Fifth Third’s Instant Payments solution delivers it. Meeting these expectations isn’t just a competitive advantage, it’s becoming the standard for modern finance.
Fifth Third combines the strength and stability of a big bank with the innovation of a fintech to process payments at warp speed.
67% of business end users say faster payments are now a “must have”. 1
78% of consumers choose faster and instant payments as a preferred payment type. 2
Powering Businesses That Don’t Wait
Whether you're managing high-volume disbursements or streamlining receivables, we help you move money in real time, 24/7/365.
Digital Wallets
- Give customers instant, 24/7 access and control with the ability to transfer funds in real-time.
- Expand reach and engagement by connecting to RTP® to enable seamless fund movement.
- Reduce support friction with real-time confirmations and status updates that confirm funds moved securely.
Payroll
- Pay workers immediately after shifts or milestones— ideal for gig and hourly workforces.
- Meet evolving workforce needs, boost morale and improve retention with faster wage access.
- Reduce administrative overhead by eliminating batch processing through automated, flexible payments.
Merchant Settlement
- Provide instant settlement from sales, giving customers peace of mind.
- Improve cash flow with immediate revenue access to support inventory, staffing and business growth.
- Increase transparency for merchants with real-time payment visibility to enable faster reconciliation.
Insurance
- Deliver fast, stress-free claim payouts by sending funds instantly when policyholders need it most.
- Enhance trust and transparency for policyholders with real-time payment status updates.
- Improve loyalty with a modern, seamless claims payout experience that differentiates your brand in competitive markets.
Ready to modernize?
Additional Resources
How Instant Payments Can Turbocharge Your Company's Finances
Discover the benefits of moving money in real time for your business.
Benefits of Real-Time Payments: A Competitive Edge
Real-time payments, also known as instant payments, have been growing in popularity in recent years, driven by consumers looking for instantaneous, secure, and convenient transactions.
The Growing Opportunities in Embedded Payments
Embedded payment solutions present tremendous opportunities for businesses and their payment technologies.