Overview

flowchart LR
    A[Merchant/LMS] -->|1: Send Transactions| B[Transactions]
    B@{ shape: docs }
    B --> C[FLEX]
    C@{shape: diam }
    C -->|2: Validate + forward payment| D[RTP Network]
    D@{ shape: }
    D -->|3: Deliver funds| E[Card]
    E@{ shape: card }
    D -->|4: Settlement Confirmation| C
    C -->|5: Status update| A

InstantRTP Overview

InstantRTP lets you send money in real time using ATM rails via routing and account numbers. It’s designed for fast, one-way disbursements to your borrowers or customers, often in seconds.

Benefits of InstantRTP

InstantRTP is best suited for situations that demand urgency, certainty, and convenience:

• Fund loans immediately upon approval
• Deliver refunds or reimbursements without delays
• Make off-cycle disbursements (nights, weekends, holidays)

Borrowers appreciate the speed and trasnparancy. You benefit from reduced support inquiries and faster fulfillment.

InstantRTP Example

1. Collect recipient card or wallet data
2. Securely tokenize and store credentials
3. When a payout is needed, trigger the payment using the FLEX API
4. The gateway validates, routes, and pushes funds via the payment networks
5. Receive a status update: Success, pending, or failure

Typical turnaround time is less than 30 seconds, however it can take longer if problems occur.

Key Benefits

• Immediate disbursements
• Always-on
• No paper, no signatures
• Predictable (nearly instant results)

InstantRTP vs Other Payment Types

Feature	RCC	ACH	InstaPay / RTP
Requires tokenized data?	No	Yes	Yes
Real-time processing?	No	No	Yes
Can be voided?	Yes (depends)	Yes (depends)	No
Requires borrower signature?	No	No	No
Speed	1-3 business days	1-2 business days	Seconds

Summary

For merchants or platforms that prioritize speed, customer satisfaction, and operational efficiency, InstantRTP offers a modern, account-based alternative to traditional payment rails like ACH or RCC.