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As with the RTP® Network, FedNow is based on ISO 20022 messaging and is expected to significantly advance instant payments throughout the U.S. There are also a variety of domestic U.S. faster payment options with significant differences.
"Businesses generally do not care which rail a payment is settled on, but they do care how fast and efficient the payment is. As more payment methods are added to the landscape, the need for efficiency and value-added, differentiated services around those payments is becoming even stronger."
Aite-Novarica: FedNow Is Almost Here, June 2022
Real-Time Gross Settlement Systems
FedWire
Real-Time Instant-Clearing and Settlement Rail
FedNow
RTP® Network
P2P/crossover payment systems
Zelle and other Digital Wallets
Other faster payments
Same-day ACH
Push-to-card
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