FIS Real-Time Payments
FIS Real-Time Payments: A cloud-based, multi-rail payments platform for financial institutions managing real-time flows. Ranked #1 of 22 in Real-Time Payments Software by our editors (9.0/10); pricing: Pricing on request; best for banks coordinating domestic and global payment rails.
At a glance
- Editor score9.0 / 10
- PricingPricing on request
- Best forBanks coordinating domestic and global payment rails
- Free planNo
- Rail coverageGlobal-multi-rail
- Founded1968 · Jacksonville, Florida, United States
- Facts checked28 Sep 2026
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
Our verdict on FIS Real-Time Payments
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 alongside ACH, wire and international networks. The service is cloud-hosted and cloud-native, with API access and a single API integration with core banking systems. Its fit is strongest for institutions coordinating multiple payment types; organizations looking only for a narrow, single-rail capability may find the platform broader than they need.
Rail coverage is a central strength. Listed connections include The Clearing House RTP, FedNow, ACH, SWIFT, FedWire, SEPA Instant Credit Transfer, CHAPS and Faster Payments. ISO 20022-based processing and centralized payment management sit alongside orchestration, allowing institutions to manage payment flows across those networks. This breadth is relevant for banks operating across domestic and international payment systems, while institutions should assess whether the supported rails align with their own markets and processing requirements.
The platform also brings fraud detection, OFAC monitoring and risk scoring together with reconciliation and settlement support, including real-time clearing and settlement. That combination can suit organizations seeking a coordinated service rather than separate tools for payment routing and post-payment operations. Deployment is managed in cloud environments, so institutions with a requirement for non-cloud deployment should look elsewhere. Pricing is sales-led rather than presented as public plans; buyers will need to engage FIS to evaluate commercial fit. Overall, it is a candidate for mid-market and enterprise financial institutions planning multi-rail real-time payment operations, not a lightweight option for teams seeking transparent self-serve pricing or a narrowly scoped payment connection.
FIS Real-Time Payments pricing
FIS Real-Time Payments fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Rail coverage | Global-multi-rail |
| ISO 20022 support | Yes |
| Payment orchestration | Yes |
| Deployment options | Cloud |
| Reconciliation tools | Yes |
| Message formats | ISO 20022 |
| Deployment | Cloud |
| Platforms | Web |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Integrations | 8 integrations: The Clearing House RTP, FedNow, ACH, SWIFT, FedWire, SEPA Instant Credit Transfer … |
| Pricing | Pricing on request (source) |
| Website | fisglobal.com |
| Facts checked | 28 Sep 2026 |
FIS Real-Time Payments integrations
FIS Real-Time Payments lists 8 integrations on its own site.
- The Clearing House RTP
- FedNow
- ACH
- SWIFT
- FedWire
- SEPA Instant Credit Transfer
- CHAPS
- Faster Payments
Alternatives to FIS Real-Time Payments
- CGI All PaymentsA multi-rail platform for institutions coordinating real-time and traditional payments.8.2
- Finastra Payments HubsA multi-rail payment hub for banks needing orchestration, controls, and ISO 20022.7.7
- FIS Money Movement HubA cloud-based, multi-rail payment hub with one API, orchestration, and risk controls.7.4
See all FIS Real-Time Payments alternatives →
FIS Real-Time Payments vs the competition
- FIS Real-Time Payments vs CGI All Payments
- FIS Real-Time Payments vs Finastra Payments Hubs
- FIS Real-Time Payments vs FIS Money Movement Hub
- FIS Real-Time Payments vs Fiserv NOW Gateway
- FIS Real-Time Payments vs ACI Real-Time Payments Cloud
- FIS Real-Time Payments vs Temenos Payments Hub
Compare FIS Real-Time Payments with any tool side by side →
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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used FIS Real-Time Payments for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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