Send FedNow® & RTP® vs. Credit Cards – A Head-to-Head Comparison

Send FedNow® and RTP® (Real-Time Payments) are instant payment networks that allow businesses and individuals to transfer money in seconds—24/7, including weekends and holidays.

Unlike credit cards, which involve intermediary banks, networks (Visa, Mastercard), and merchant service providers, FedNow® and RTP® eliminate the middleman, enabling direct bank-to-bank transfers.

Key Differences Between Send FedNow®, RTP®, and Credit Cards

���� Key Takeaway: FedNow® and RTP® offer faster, more secure, and lower-cost transactions than credit cards.

Attributes:

 Send FedNow® vs. credit cards: Which is better?
 Instant bank-to-bank payments vs. credit card processing fees.
 How businesses can save money by switching to Send FedNow® & RTP®
 FedNow® vs. credit cards: Which payment method is right for you?
 The benefits of real-time payments with Send FedNow® & RTP®.

5 Reasons Why Send FedNow® & RTP® Are Better Than Credit Cards

1. No More High Credit Card Processing Fees

���� Credit card companies charge businesses 2-4% per transaction.
���� With FedNow® and RTP®, businesses keep more of their profits.

���� Example: A small business processing $50,000/month in sales could save $1,000-$2,000 per month by switching to FedNow® or RTP®.

2. Instant Fund Availability – No Waiting for Bank Settlements

���� Credit card payments take days to settle, delaying cash flow for businesses.
���� With FedNow® and RTP®, businesses receive payments instantly, 24/7/365.

���� Example: A restaurant owner receiving weekend credit card payments might wait until Monday for funds. With FedNow® and RTP®, payments are immediate.

3. No Chargebacks – Reduced Fraud & Disputes

⚠️ Credit card transactions can be reversed by chargebacks, costing businesses thousands in losses.
���� FedNow® and RTP® payments are final, eliminating chargeback fraud risks.

���� Example: An e-commerce store selling digital products can avoid chargeback fraud by accepting FedNow® or RTP® instead of credit cards.

4. 24/7/365 Availability – No Banking or Processing Delays

⏰ Credit card transactions are subject to bank processing hours and network downtimes.
✅ FedNow® and RTP® process payments instantly, any time of day, even on weekends and holidays.

���� Example: A freelancer waiting for a client’s credit card payment on Friday might not see funds until Monday. With FedNow® or RTP®, payments settle immediately.

5. Direct Bank-to-Bank Payments – No Intermediaries

���� Credit card transactions involve multiple parties—banks, payment processors, networks—adding fees and delays.
���� FedNow® and RTP® enable direct payments between accounts, eliminating unnecessary middlemen.

���� Example: A wholesaler using FedNow® can receive large B2B payments instantly, improving supply chain efficiency.

When to Use Send FedNow® & RTP® vs. Credit Cards

���� When to Use FedNow® & RTP®:

✔ For businesses that want to reduce transaction fees and improve cash flow
✔ For instant B2B payments to suppliers and partners
✔ For secure, fraud-resistant transactions with no chargebacks
✔ For peer-to-peer (P2P) payments needing immediate fund availability

⚠ When to Use Credit Cards:

✔ For purchases requiring chargeback protection
✔ For financing large purchases over time
✔ For customers who prefer using credit for rewards and perks

How to Get Started with Send FedNow® & RTP® Instant Payments

Step-by-Step Guide:

✅ Step 1: Check if Your Bank Supports FedNow® & RTP®.
✅ Step 2: Enable Instant Payments for Your Business or Personal Use.
✅ Step 3: Set Up FedNow® & RTP® as a Preferred Payment Option.
✅ Step 4: Start Sending & Receiving Real-Time Payments—24/7/365!

Stop Paying Fees, Start Using Send FedNow® & RTP® Today!

���� Why are you still paying credit card fees and waiting days for transactions to clear?

 Business Owners & Entrepreneurs: Accept payments instantly, eliminate processing fees, and increase profits.
 Retailers & Merchants: Stop losing revenue to chargebacks and high transaction costs.
 Freelancers & Contractors: Get paid immediately after each job—no more waiting for bank settlements.
 Banks & Financial Institutions: Offer your customers the fastest, most secure payment option available today.

���� The future of payments is here. Fast. Secure. Affordable. That’s Send FedNow® & RTP®.

���� Talk to US today and switch to Send FedNow® & RTP® for real-time transactions!