Instant Settlement

Every payment.
Settled instantly.

FedNow, RTP, push-to-card, Same Day ACH. PerfectPay routes every settlement through the fastest, cheapest rail available. Merchants get paid in seconds. Customers get refunds in seconds. Workers get paid the moment their shift ends.

Enable Instant SettlementSee a Demo
The Difference

T+2 is the standard the past

Before— Traditional settlement
SaleMon
PendingTue
PendingWed
SettledThu
T+2 business days minimum
After— PerfectPay instant settlement
SaleNow
Smart Route<100ms
SettledSeconds
Instant — seconds, not days
Smart Rail Routing

The fastest rail. Every time.

PerfectPay evaluates speed, cost, and network coverage in real time to route every settlement through the optimal rail. If one rail is unavailable, it cascades to the next fastest option.

FedNow

Recommended

The Federal Reserve's instant payment service. Settled in seconds, 24/7/365. Growing rapidly with 405% QoQ volume increases.

InstantGrowing network, Fed-backed

RTP

Established

The Clearing House's Real-Time Payments network. Proven infrastructure with broad bank coverage for instant credit transfers.

InstantEstablished network

Push-to-Card

Debit Cards

Push funds directly to any Visa or Mastercard debit card. Ideal for gig worker payouts and instant refunds to consumers.

InstantDirect to debit card

Same Day ACH

Fallback

NACHA's same-day settlement window. The broadest reach when instant rails aren't available. Fallback coverage for every US bank account.

Same DayWidest coverage
Use Cases

Instant settlement for everyone

Merchant Settlement

Merchants receive their funds in seconds after a sale instead of waiting 2-3 business days. Better cash flow means better business.

Customer Refunds

Issue refunds that hit the customer's account instantly. Reduce support tickets, chargebacks, and friction.

Gig Worker Payouts

Pay drivers, couriers, and freelancers the moment their work is complete. No more weekly pay cycles or payout delays.

Retail Cash-Out

Enable point-of-sale cash-out with instant settlement. Close the register and see funds deposited before you leave the store.

FedNow Network

The instant payment rail is here

Launched by the Federal Reserve in July 2023, FedNow is growing rapidly. PerfectPay routes through FedNow whenever available for the fastest possible settlement.

1,500+Institutions Connected
$10MPer-Transaction Limit
405%QoQ Volume Growth
40%DDA Coverage

24/7/365 availability — including weekends, holidays, and after banking hours

Stop overpaying.
Start settling instantly.

Join the merchants, platforms, and developers switching to smarter payments infrastructure.

Get StartedSchedule a Demo