FedNow Integration | Instant Payments & Security | Neural Payments

FedNow Integration with Neural Payments

Instantly integrate with FedNow, all through your Neural Payments Hub

Customers demand more out of their mobile banking experience, and payments are no exception. With the Neural Payments Hub, you can integrate with FedNow in as little as 30 days to help meet their demands.

Instant, secure payments directly from one account to another with Neural Payments and FedNow.

FedNow has been around since 2023, but less than 15% of banks and credit unions have integrated with the new technology. By adding FedNow to your Neural Payments Hub, you're not only keeping your FI ahead of the competition with emerging technology, you're meeting your customer's demands to have a seamless, integrated experience in their mobile banking app. Join the instant payments revolution with FedNow by Neural Payments and unlock:

Instant Payments through FedNow

When your institution adds FedNow to your Neural Payments Hub, you're offering your customers and members the instant payment experience they expect from their digital banking app.

Pre-built Integration With your Mobile Banking App

The Neural Payments Hub is your access point to endless payments possibilities. The Hub has pre-built integrations with 90% of mobile banking providers, meaning once on The Hub, FedNow can be turned on in as little as 30 days.

Secure & Fraud Resilient: Our Core Tenets

All our solutions and integrations are covered by our Fraud Rules Engine. Hosted in a PCI-compliant iframe, Compliance Officers can rest assured that all money movement exceeds industry standards of consumer protection.

Made With Your Customers In Mind

All Neural Payments solutions are built to enhance your customer's experience while also retaining your businesses branding. Forget 3rd party apps and off-network flows, the process is white labeled and owned by your business.

"Anyone can build a fast connection. The hard part is building a fast connection that's actually safe. We designed the Neural Payments Hub to eliminate the 'spaghetti code' typical of legacy banking technology. With one integration you get a single, clean pipeline for FedNow - send, receive, and request for payment - that's ready in as little as 30 days.

But because we're obsessively paranoid about security, that pipeline is armored with our Fraud Rules Engine. It acts as a real time firewall, handling step-up authentication, send/receive limits and time-based restrictions automatically. We took on the complexity and the risk so you can just take on the transactions."

- Daniel Norton, Neural Payments Co-Founder & CTO

How Neural Payments Works In The Real World

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

FedNow and Neural Payments At A Glance

What is FedNow?

FedNow is the Federal Reserve’s real-time payment network, allowing financial institutions to send and receive instant payments 24/7/365. It supports both consumer and business transactions, enabling immediate settlement between accounts.

What types of payments can we send through Neural Payments and FedNow?

We support peer-to-peer (P2P), account-to-account (A2A) and request-for-payment (RFP) payments through FedNow. Whether you're looking to enable consumer instant transfers or internal transfers across business accounts, our platform handles it securely and in real-time.

Is FedNow safe for Banks and Credit Unions to offer?

Yes, but it requires robust and thoughtful fraud controls. Because FedNow operates 24/7 with immediate settlement, banks and credit unions must implement advanced risk mitigation. Neural Payments solves this through our Fraud Rules Engine, which protects your institution from threat actors without compromising instant access.

What is a Payments Hub?

A payments hub 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.

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:

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

How does Neural Payments mitigate fraud risks with FedNow?

All payments through our FedNow integration are monitored and gated by our Fraud Rules Engine, which includes:

Can we adjust fraud settings specific to FedNow payments?

Absolutely. You can configure rules specific to FedNow transactions, including maximum dollar amounts, frequency caps, originator/recipient logic, and even block/allow lists. These settings are controlled via your admin dashboard.

What’s required to get started with FedNow through Neural Payments?

If you're already a Neural Payments customer, activation is simple:

  1. Request FedNow activation via your account manager.
  2. Complete the compliance and rule configuration onboarding.
  3. Begin sending and receiving instant payments, fully white-labeled.

What digital banking platforms are supported?

Neural Payments integrates with most leading digital banking providers, including:

For a full list of our current digital banking support, follow the link here. Don't see your institution? Reach out anyway, we're always looking for pilots to work with in integrating to new platforms.

Can I add features from Neural Payments' FedNow integration into my banking app's current FedNow access?

Since our FedNow solution is built for the Neural Payments Hub, integration with our underlying payment technology will still be required to access our FedNow features.