Real-Time Payments for the United States | ACI Worldwide

Is Zelle RTP?

Zelle offers real-time payment services to customers. The experience for the end user feels like real-time. Previously, the clearing and settlement of these transactions has not operated on real-time payment rails, but Early Warning Services (the owner and operator of the Zelle network) and TCH (the operator of the RTP network) have announced that financial institutions can now settle Zelle transactions over the RTP network.

Zelle is a closed network that allows transferred funds to be made available immediately to the end recipient, without interbank real-time settlement. Zelle payments can be integrated into a real-time payments hub with ACI Enterprise Payments Platform, allowing for use cases such as real-time disbursements, batch-to-RTP and more.