Real Time Payments

The global adoption of real-time payments (RTP) is picking up speed. The popularity of FinTech online and mobile payment services such as PayPal and Apple Pay, as well as bank RTP network initiatives in Europe and Asia, are driving traditional banks to offer RTP services to their customers.

Making the Investment in RTP Readiness

To compete with FinTech firms providing real-time payment services, banks must make investments across three layers: value added services, innovative offerings built on renewed Immediate infrastructure, and holistic solutions. Banks in Europe and Asia are investing, but In the U.S. the business case was delayed awaiting the U.S. Federal Reserve timeline for a national RTP processing network. The U.S. timeline now exists, and banks are planning for RTP-service success.

RTP Adoption Roadmap Services

Leveraging its RTP experience in Europe, Capgemini developed the Clearing Connect solution framework with use-case models and use cases connecting to major RTP schemes for the U.S. and European Union. Service offerings include:

  • Pre-readiness services to enable near-real-time processing, re-align risk management and train staff;
  • Tactical services to create robust payments channels with 24×7 operations and align with ISO 20022 messaging;
  • Strategic services including planning for widespread RTP adoption

An Experienced Provider of RTP Systems & Services

Capgemini knows that RTP presents multiple challenges: market-side and product-side changes, as well as new operations and IT systems. Capgemini designed and built one of the first RTP ACH systems in Poland (KIR) and is actively helping leading banks to connect to existing RTP schemes worldwide. We have partnered with VocaLink to provide its cloud-based, PayPort RTP system as part of Capgemini Connected Banking and with D+H and FIS to offer fully integrated solutions for RTP processing.

Create Your RTP Adoption Roadmap

Email us at to explore real-time payments solutions for your financial institution or contact one of our payments experts.


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