Live today on Payment Manager.
ACH
High-volume ACH, fully managed, with no infrastructure to run. Same-day ACH, automated returns, and built-in OFAC screening, live in 2–3 months.
Wires
Full-lifecycle wire processing over a direct FedLine Direct connection with ISO 20022 messaging, from initiation and screening to reconciliation and audit.
FedNow®
Send and receive instant payments 24/7, with Request for Payment and automated OFAC and risk screening built for settlement in seconds.
What is Payment Manager?
Payment Manager is the secure, API-powered payments platform built on the PortX Platform. It gives community banks and credit unions wires over FedLine Direct, ACH through FedACH, and FedNow® instant payments today, with RTP® via The Clearing House and Visa Direct planned for 2027.
Built on a common payment data model informed by ISO 20022, Payment Manager is designed to bring every rail under one management layer. You can offer instant payments without running a separate operation for each rail, and adopt new capabilities at a pace you choose.
Key features and capabilities
Wires, ACH, and FedNow® today.
Process wires over FedLine Direct, ACH through FedACH, and FedNow® instant payments, with RTP® and Visa Direct planned for 2027.
Built-in compliance and controls.
OFAC and risk screening and audit trails run as shared services across rails, with ISO 20022 messaging and configurable approval workflows.
Real-time processing and monitoring.
Gain instant visibility into every transaction with live dashboards, alerts, and reconciliation tools.
Customizable workflows and roles.
Define approval rules, limits, and notifications to align with your institution's governance policies.
Core-independent architecture.
Integrate directly through APIs on the PortX Platform, maintaining flexibility and avoiding vendor lock-in.
Ready for the next rail.
A common payment data model lets new rails plug into the same foundation instead of starting from scratch.
Key outcomes.
Reduce costs and manual effort.
Automate payment workflows and exception handling, freeing staff to focus on higher-value work.
Accelerate time to market.
Launch new payment capabilities faster with standardized APIs and reusable workflows.
Enhance customer experience.
Deliver real-time status updates and faster processing for business and retail clients.
Improve risk and compliance posture.
Centralize auditability, sanction screening, and fraud controls in one governed environment.
Gain full payment visibility.
Monitor every payment from initiation to settlement with unified reporting and analytics.
Payment Manager is better on the PortX Platform.
Payment Manager becomes exponentially more powerful when combined with other products on the PortX Platform, creating a unified ecosystem for integration, data, and intelligence. Together, they enable real-time interoperability across every payment rail and channel.
Together, these components create a unified ecosystem that delivers interoperability, real-time data sharing, and a single source of truth across every channel.
Use cases and audience interactions.
Operations teams
automate approvals, exceptions, and reconciliations to ensure timely, accurate settlements.
Treasury and finance leaders
gain real-time visibility into cash positions and liquidity across payment types.
Developers and IT teams
use APIs and event-driven architecture to securely embed payments into digital channels.
Executives
monitor payment performance, compliance, and customer experience through unified dashboards.
What could your institution achieve if every payment was visible in real time?
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