From darkreading.com
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ACH transfers and credit cards have offered ways for people to pay without cash or check for years. Yet, those kinds of transactions often take time – even several days – to officially clear, thereby delaying consumer and business account-holders’ access to funds. Not so with real-time payment systems (RTP). Real-time payment systems allow the immediate or near-immediate transfer of funds through a secured payment gateway, and are answering the call for faster payments and access to funds.