Apiture, a provider of digital banking solutions, has announced the availability of real-time payment capabilities for its community bank and credit union clients, enabling instant transactions via The Clearing House’s RTP network and the Federal Reserve’s FedNow Service.The introduction addresses the increasing demand for faster and more reliable payment experiences among consumers and businesses. A study by U.S. Bank indicates that over half of American companies utilized RTP and FedNow in 2024, with projections for adoption reaching 80% by 2026. This trend suggests that real-time payments are evolving from a competitive differentiator to a fundamental customer expectation, making their provision increasingly important for community banks and credit unions to maintain competitiveness against larger financial institutions.The Apiture Digital Banking Platform now offers a comprehensive suite of payment options, allowing both consumer and business account holders to select payment methods tailored to their specific needs. This new real-time payment functionality enhances Apiture’s existing faster payment services, which include domestic and international wire transfers with real-time foreign exchange rates. Additional payment services accessible to Apiture clients encompass bill pay, peer-to-peer payments, internal and external transfers, and ACH transactions.Chris Cox, Chief Operating Officer at Apiture, stated that real-time payments offer an effective method for consumers and businesses to conduct instant account-to-account transactions. He cited various applications, including company payroll, bill payments, gig worker payments, early wage access, government disbursements, and peer-to-peer transfers. Cox added that this development aligns with Apiture’s ongoing objective to support community and regional financial institutions in delivering features that current consumers and businesses require.Headquartered in Wilmington, North Carolina, Apiture specializes in digital banking solutions for banks and credit unions across the U.S. The company’s solutions are designed to be flexible and configurable, helping financial institutions offer competitive services, support growth through data intelligence, and enable embedded banking strategies. Apiture emphasizes an API-first approach to maximize platform capabilities while ensuring a seamless user experience. The company’s focus on digital banking and its team’s collective experience within U.S. financial institutions aim to address the specific needs of its clients.