Commercial instant payments management

RTP® and FedNow® give businesses of all sizes an opportunity to better control their finances. With Q2 Instant Payments Manager, FIs can make these new rails easily accessible for their account holders, right from the Q2 Digital Banking Platform™.

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Real-time sending and receiving of payments

Enable commercial and small business customers to make fast, safe, immediate B2B payments through the instant payments rails from their Q2 Digital Banking Platform.

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How does rich data messaging streamline B2B accounting?

The rich messaging capabilities in instant payments create a powerful opportunity for businesses to streamline their accounting processes, saving them time and money.

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Q2 Instant Payments Manager supports the full message set

Q2 Instant Payments Manager opens up the possibilities of instant payments with support for the full message set, including credit transfer, request for payment, and request for information.

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Key Benefits

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    Either network and any gateway

    Works with both RTP and FedNow. Also works with any payments gateway.

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    Solve operational pain points

    Rich data messaging capabilities streamline bookkeeping for business customers.

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    Better cash flow control

    Businesses can pinpoint the exact moment they want money to leave their account.

The business case for instant payments

  • 25% of financial institutions rate the ROI of real-time B2B payment rails as high or very high.
  • 50% of financial institutions say instant payments outperform non-instant methods for attracting clients, retaining customers, and improving cash visibility.

Instant payments strengthen client relationships

  • 1% of financial institutions using the RTP® network report increasing client lifetime value, compared with 67% of institutions that don't.
  • 20% of business non-users expect to adopt instant B2B payments within two years.
Source: PYMNTS Intelligence / The Clearing House, The Bankers' Playbook: The ROI Case for Instant B2B Payments, July 2026

Resources