P2P Payments Done Faster, Cheaper & Simpler

Our first product, Neural Payment's peer to peer solution, was built to showcase how today's top payment rails can be connected with our technology. We created an omnichannel payment experience, allowing receivers to choose how and where they accept their funds - all without the use of a third party app or long wait times.

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How Neural Payments P2P Works: Seamless, Secure, and Swift

At Neural Payments, we’ve redefined peer-to-peer (P2P) payments by building a system that prioritizes your institution’s efficiency and your customers' convenience. Here's how our P2P solution sets you apart:

Cost-Effective Transactions, Best In Class Pricing

Benefit from a pricing structure that lowers transaction costs, enhancing your institution's profitability. Our P2P solution is designed to be both economical and flexible, providing industry leading services without compromising your budget - whether you're a small community bank or a regulated FI.

Robust Fraud Prevention for Secure Transactions

Utilize advanced, real time fraud detection mechanisms designed to protect both your institution and customers. Our system proactively identifies and mitigates potential threats, ensuring secure and trustworthy transactions. The best part? Rules can be easily changed in house to address shifting priorities.

Rapid Deployment for Most FIs

Launch your customized P2P payment platform in as little as 90 days, enabling quick market entry and accelerated return on investment. Our seamless integration minimizes disruptions, allowing you to meet customer demands effectively and quickly.

Enhance Customer Retention and Deposit Growth

Offer a white-labeled P2P solution that keeps your customers within your ecosystem, reducing reliance on third-party apps. This strategy not only fosters loyalty but also helps in recapturing deposits, strengthening your institution's financial position.

"The P2P payment landscape is evolving, and customers expect more than just speed—they demand simplicity, security, and reliability. Neural Payments empowers your institution to deliver on these expectations while maintaining full control over branding, customer relationships, and operational efficiency."

- 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 chooses payment flexibility

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

P2P 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