Real-Time Payments for Product Teams
How real-time rails differ from card and ACH, and what that means for product, ops, and risk.
Settlement model
Real-time rails settle individually, irrevocably, on 24/7 schedules - a structural break from batch ACH.
Fraud and disputes
Irrevocability changes the fraud surface and shifts the design center toward intent-based controls and confirmation-of-payee.
Use-case prioritization
Disbursement, B2B, and request-for-payment typically lead consumer P2P in mature programs.
Related Topics
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