Fiserv NOW Gateway review
A multi-rail gateway for institutions needing RTP, FedNow and managed payment processing.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Fiserv NOW Gateway is a full-service real-time payments gateway for banks, credit unions and other financial institutions. It connects The Clearing House RTP Network and the Federal Reserve FedNow Service through one integration, while supporting both sending and receiving real-time payments. The gateway also supports payment applications such as Zelle, TransferNow and CheckFree Bill Pay, making it relevant to institutions coordinating several instant-payment services rather than adopting a single rail in isolation.
Its strongest fit is a multi-rail operating model. A real-time routing engine can route payments across networks, financial institutions and billers, while end-to-end processing runs from payment origination through single-point settlement. The ISO 20022-compliant integration framework provides a defined message format for connected payment flows. Together, these capabilities give mid-market and enterprise institutions a way to align RTP and FedNow connectivity with existing payment applications through one gateway.
The platform’s scope extends beyond network access into managed payment operations and 24/7/365 real-time settlement capability. That combination suits institutions planning continuous instant-payment availability and centralized processing across applications. Fiserv positions NOW Gateway for faster deployment of real-time payment capabilities, but the product remains oriented toward financial institutions with the operational requirements and integration resources to support multiple rails. Organizations seeking a narrowly focused payment connection, an open-source product, or channels outside the listed phone support model may prefer a different approach.
Fiserv NOW Gateway pros and cons
- Where it wins
- One integration connects RTP and FedNow networks
- Real-time routing and end-to-end processing through settlement
- ISO 20022 framework with 24/7/365 settlement capability
- Where it doesn't
- Pricing requires contacting Fiserv sales
- Support is listed through phone channels
- Focused on banks, credit unions and other financial institutions
Fiserv NOW Gateway fact sheet, pricing and score →
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update