Fund Accounts Instantly, Without the Friction

Empower your customers to move money in real time with Neural Payments’ Account Funding. Load accounts instantly from one debit card to another, all from within your mobile banking app.

Faster Deposits. Happier Customers. Stronger Retention.

Whether they’re topping off an account or getting started with your app, customers don’t want to wait. With real-time card-to-card transfers, Account Funding delivers:

Instant Availability

Funds are deposited and available within seconds, not hours or days. Your users can open their account quickly, reducing delays, and keeping their finances moving without interruption.

Card-to-Card Simplicity

Users fund accounts directly using their debit cards, without leaving your mobile app or manual transfers. It’s an intuitive, everyday method that feels familiar and easy.

Secure & Compliant

Hosted in a PCI-compliant iframe, Account Funding minimizes your institution’s liability while ensuring all sensitive data is encrypted, tokenized, and protected by Neural’s proven Fraud Rules engine.

Flexible Architecture

Account Funding is built to scale with your strategy. It supports multiple funding rails including FedNow, RTP, ACH (and more to come), so you can offer instant, flexible funding without limits.

"Account Funding was built to solve a very specific challenge for banks: enabling real-time deposits without creating integration headaches or compliance risks. With a PCI-compliant iframe and support for FedNow, RTP, and debit card rails, it’s a turnkey way to offer instant funding while improving deposit recapture and keeping users in-platform."

- Mick Oppy, Neural Payments Founder & CEO

How Neural Payments Works In The Real World

Interested to see how other industry titans are using Neural Payments?

• FIS Financial Technology

• Q2 Digital Banking

• Huntington Bank

• American Airlines Credit Union

FIS offers Neural Payments to enable payment flexibility

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A new payment option gives Q2 customers the edge

Why Huntington Bank choices payment flexibility

How one Credit Union is putting payment power into their customer's hands

The Payments Engine At A Glance

Still Have Questions?

What Is a Payments Engine?

A payments engine is the core technology that enables the seamless movement of money between senders and recipients. Neural Payments' engine goes beyond simple transactions, providing a fast, secure, and flexible platform that integrates seamlessly with your financial institution’s digital systems. It empowers users to send payments instantly to any bank account, debit card, or popular fintech wallet, giving recipients the freedom to choose how they receive funds—no need for a shared app or platform.

With Neural Payments, you’re not just processing payments; you’re delivering a modern, customer-focused experience that enhances trust and satisfaction.

How Does Your Fraud Rules Engine Work?

Neural Payments' advanced fraud rule engine combines real-time monitoring, machine learning, and customizable rules to minimize fraudulent activity while ensuring smooth payment processing. Here's how it works:

• Real-Time Detection: Transactions are analyzed instantly to detect unusual patterns, such as abnormal amounts or suspicious accounts.
• Customizable Rules: Your financial institution can tailor fraud rules to match your risk tolerance, ensuring maximum protection with minimal disruption.
• Proactive Updates: Our engine continuously learns and adapts to emerging fraud threats, keeping your institution one step ahead.

The result? A safer payments experience for you and your customers without sacrificing speed or convenience.

Who Can Receive Payments?

With Neural Payments, anyone can receive payments, regardless of their financial institution or preferred platform. Recipients have the flexibility to choose where they’d like the funds to go:

• Directly to their bank account.
• Onto a debit card.
• Into a digital wallet.

This universal reach makes Neural Payments a standout solution, offering freedom and convenience to your customers while eliminating barriers for recipients.

What Payments Networks Do You Integrate With?

Neural Payments integrates with a broad range of payment networks to ensure flexibility and reliability for financial institutions and their customers. Our platform connects seamlessly with:

• ACH and RTP rails for traditional and real-time payments.
• FedNow for instant transactions.
• Popular digital wallets.
• Debit card networks for secure and rapid fund transfers.

By bridging these networks, we enable your customers to send payments to virtually any endpoint, delivering the most comprehensive payment options in the market.

How Is Neural Payments Different from Zelle or Payrailz?

Neural Payments offers a unique alternative to Zelle and Payrailz by addressing common challenges financial institutions face with these platforms:

• Flexibility: Neural Payments allows customers to send payments to anyone—no shared app or bank account required.
• Enhanced Security: Our fraud prevention engine detects and blocks fraudulent activities in real-time, and allows for direct input and adjustment from your organization.
• Ease of Integration: Neural Payments integrates seamlessly into your existing digital banking platform, ensuring quick deployment and a consistent customer experience.
• White-Labeled Customization: We elevate your institution’s brand with a fully white-labeled solution, unlike Zelle’s co-branded approach.

By combining flexibility, security, and user-focused design, Neural Payments empowers financial institutions to deliver superior payment experiences.

What Types of FIs Benefit Most from Neural Payments?

Neural Payments is designed to serve a wide range of financial institutions:

• Community Banks and Credit Unions: Modernize digital offerings and compete effectively with larger banks.
• Mid-Sized Banks: Address concerns like fraud reduction and provide real-time payments for enhanced customer satisfaction.
• Large Financial Institutions: Our payments engine scales seamlessly within complex systems and we can customize offerings to deliver advanced payment solutions.
• Non-Traditional Providers: Support diverse use cases, including account funding and disbursements, for fintechs and alternative financial institutions.

Whether you’re a small community bank or a large financial institution, Neural Payments equips you with the tools to thrive in a competitive payments landscape.

Empowering Payment Flexibility