Operational Considerations for Receiving Instant Payments Guideline


This comprehensive guideline, developed by the FPC’s Operational Considerations Work Group, sponsored by Endava, provides essential insights and best practices for financial institutions (FIs) as they navigate the complex landscape of instant payments. With contributions from industry experts, the guideline aims to help FIs enhance their operational readiness for real-time payments, including RTP® and FedNow®.

As instant payments continue to transform the payments ecosystem, financial institutions face unique challenges in adapting their systems and processes to this new real-time paradigm. The guideline dives deep into the practical considerations FIs must address to successfully implement instant payments, from liquidity management to fraud mitigation, business continuity, and staffing requirements.

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