Process payments in real time with configurable decisioning and compliance controls, continuous updates, and no on-premise infrastructure to run. The platform integrates directly with your core system and the FedNow Service to manage the full instant-payment lifecycle, from initiation through decisioning, processing, and reconciliation.
Why Banks Choose PortX FedNow
ISO 20022-native, aligned with the FedNow message format
Built to scale as part of a platform designed for multiple payment rails
Configurable decisioning tailored to your risk posture
Modern, API-first SaaS architecture
Built on the PortX integration platform, with pre-built connectivity to core banking and fraud providers
Lower operational overhead
What PortX FedNow Enables
- API-driven initiation
- Send and respond to requests for payment in both directions
- Support for the full range of FedNow message types: credit transfers, returns, payment status requests, return requests, and requests for payment (RfP)
Live in 6–8 Weeks
Implementation typically takes 1.5 to 2 months from kick-off to go-live. The timeline is driven primarily by Federal Reserve paperwork and decision engine configuration, and the PortX integration platform shortens the work of connecting to your core. Here's what we'll partner with your team on:
Connectivity to the core banking system
FedNow connectivity configuration and Federal Reserve paperwork
Decision engine setup
What You Get
A modern, compliant instant-payments experience that lets your operations team process payments in real time with confidence, while giving your customers reliable, 24/7/365 payment capabilities. PortX FedNow is part of PortX Payment Manager, which also supports Wires and ACH, with more rails to come.
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