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Head-to-head · Real-Time Payments Software

FIS Real-Time Payments vs CGI All Payments

  • Updated Nov 2026
  • Both researched from official sources
  • 4 checks side by side
Higher score FIS Real-Time Payments #1 in Real-Time Payments Software 9.4/10 Pricing on request ✓ 3 of 3 features Visit FIS
CGI All Payments #2 in Real-Time Payments Software 9.3/10 Pricing on request ✓ 2 of 3 features Contact CGI

FIS Real-Time Payments leads on 0 checks, CGI All Payments on 0, and 4 are even. Who comes out ahead on the 4 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreFIS Real-Time Payments · 9.4/10
  • Most featuresFIS Real-Time Payments · 3 of 3

FIS Real-Time Payments scores higher on our rubric for real-time payments software: 9.4 against 9.3 out of 10; our editors rank them #1 and #2.

On deployment options, CGI All Payments gives you Hybrid where FIS Real-Time Payments offers Cloud.

FIS Real-Time Payments is the better fit for banks coordinating domestic and global payment rails. CGI All Payments is the better fit for large institutions needing hybrid, multi-rail processing.

  • FIS Real-Time Payments fits best

    Banks coordinating domestic and global payment rails

  • CGI All Payments fits best

    Large institutions needing hybrid, multi-rail processing

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Side by side

Feature FIS Real-Time Payments 9.4/10 Visit ↗ CGI All Payments 9.3/10 Visit ↗
At a glance
Editor score 9.4 9.3
Ranking #1 in Real-Time Payments Software #2 in Real-Time Payments Software
Best for Banks coordinating domestic and global payment rails Large institutions needing hybrid, multi-rail processing
Pricing model Paid Paid
Starting price Pricing on request Pricing on request
Free plan — Not checked yet
Free trial — —
Deployment Cloud Cloud, Self-hosted
Integrations 8 integrations 7 integrations
Built for Mid-market, Enterprise Mid-market, Enterprise
Features FIS Real-Time Payments 3/3 · CGI All Payments 2/3
ISO 20022 support ✓ ✓
Payment orchestration ✓ ✓
Reconciliation tools ✓ (best) Not checked yet
Specs
Rail coverage Global-multi-rail Global-multi-rail
Deployment options Cloud Hybrid
Message formats ISO 20022 ISO 20022
Our review
Pros
  • Connects to RTP, FedNow, ACH, wire and international payment networks
  • Combines ISO 20022 processing with centralized payment orchestration
  • Includes fraud controls, reconciliation and settlement support
  • Processes real-time, high-value, wire, ACH and bulk payments
  • Supports ISO 20022-native data and payment-network routing
  • Offers cloud, SaaS and on-premises deployment
Cons
  • Pricing is provided through sales rather than public plans
  • Cloud deployment may not fit institutions requiring other deployment options
  • Its broad payment scope may exceed the needs of institutions focused on one rail
  • Pricing requires contacting CGI
  • Its wide processing scope may exceed simpler payment needs
  • Only ISO 20022 is explicitly named as a supported message format
Our verdict

FIS Real-Time Payments is an enterprise payment capability for banks, credit unions and other financial institutions that need to connect real-time payments with broader payment operations. It supports The Clearing House RTP and FedNow…

Read the review →

CGI All Payments is a modular payment processing platform for financial institutions handling real-time, high-value, wire, ACH and bulk payments. Its fit is strongest for mid-market and enterprise organizations that need to coordinate…

Read the review →
  1. FIS Real-Time PaymentsReal-Time Payments Software 9.4Pricing on request
  2. CGI All PaymentsReal-Time Payments Software 9.3Pricing on request

Strengths and trade-offs

  • FIS Real-Time Payments — where it wins

    • Connects to RTP, FedNow, ACH, wire and international payment networks
    • Combines ISO 20022 processing with centralized payment orchestration
    • Includes fraud controls, reconciliation and settlement support

    Where it doesn't

    • Pricing is provided through sales rather than public plans
    • Cloud deployment may not fit institutions requiring other deployment options
    • Its broad payment scope may exceed the needs of institutions focused on one rail

  • CGI All Payments — where it wins

    • Processes real-time, high-value, wire, ACH and bulk payments
    • Supports ISO 20022-native data and payment-network routing
    • Offers cloud, SaaS and on-premises deployment

    Where it doesn't

    • Pricing requires contacting CGI
    • Its wide processing scope may exceed simpler payment needs
    • Only ISO 20022 is explicitly named as a supported message format
  • FIS Real-Time Payments9.4/10 · Pricing on request

    A cloud-based, multi-rail payments platform for financial institutions managing real-time flows.

    Visit FISFull verdict →
  • CGI All Payments9.3/10 · Pricing on request

    A multi-rail platform for institutions coordinating real-time and traditional payments.

    Contact CGIFull verdict →

More comparisons

All Real-Time payments software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

Last updated · How we research and update