Instant Payments

Experience fast, secure payments with dual-network access to RTP® and FedNow®. Axos seamlessly processes payments across networks, delivering broader reach, faster settlement, and greater efficiency.

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Move money in seconds, on your terms.

Empower your business with faster, smarter payments. Axos connects you to real-time payment networks that enable instant transfers, simplified operations, and improved financial control.

Higher transaction
limits

Up to $10 million per payment on the RTP® and FedNow® networks*, with flexibility to establish lower limits that align with your control and approval needs.

Enhanced payment
data

Instant payments include richer transaction details, giving you greater transparency and control over cash flow.

Streamlined
operations

Simplify reconciliation and strengthen financial controls with payment transparency and finality.

Intelligent routing

API-powered payments automatically flow through the most efficient network, maximizing speed and accuracy with expert support available when needed.

Faster cash flow

Send and receive payments 24/7—settled in seconds, with funds available instantly. With ACE, you can send payments in accordance with our business hours.

Send and receive payments in real-time through 
Axos Capital Edge.

Send Instant Payments directly from Axos Capital Edge (ACE), your single point of access for RTP® and FedNow® network payments. ACE delivers the speed of real-time payments while preserving the control, oversight, and security treasury teams needs to operate with confidence.

  1.  
    1
    Initiate payments directly in ACE.
  2.  
    2
    Axos verifies bank eligibility.
  3.  
    3
    Payment processed across the most efficient network.
  4.  
    4
    Instant confirmation.
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Instant Payments: 

Working capital, optimized.

With instant settlement, funds move the moment a payment is initiated, not days later**. That means faster access to receivables, tighter cash forecasting, and less capital tied up in float.

For growing businesses, that speed translates directly into greater flexibility and control over when and how your money works for you.

Get started with Instant Payments.

Learn more about how our treasury management services can benefit your business today.

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Frequently asked questions

What are Instant Payments?

Instant Payments are real-time transfers that allow money to be sent and received 24/7, 365 through FedNow® and The Clearing House’s RTP® network, including nights, weekends, and holidays.

Do I need to enroll to get started?

Enrollment is not required to receive payments. To send Instant Payments, enrollment is required via a Treasury Management Setup Form.

When will funds be available?

Funds from incoming Instant Payments are available immediately upon receipt—even outside of traditional banking hours. Please note that intra-day transactions (including transactions posted on weekends and holidays) will be reflected in a memo post status, but funds availability is updated in real time. 

Can payments be reversed?

Instant Payments are irrevocable once sent, which means that they are final and cannot be reversed once initiated by sender and accepted by receiving bank. Like wire transfers, the sender may instruct their bank to send a request for return of funds, but Axos would first ask for your authorization prior to processing the return. We recommend that you verify all details and use controls such as dual approvals, templates, and per-transaction or daily limits to manage risk.

Are there payment limits?

Yes, both FedNow® and RTP® networks impose a maximum limit of up to $10,000,000 per transaction.

How will I know I have received an Instant Payment?

You will see the credit reflected in real time in your online banking current day reporting. Full transaction information is available via prior day reporting and monthly statements. Instant Payments received will have the following description: FedNow Incoming Payment, RTP Incoming Payment. Once the transaction is posted to your account, you will see the following info:

  • Sender Name (up to 140 characters)

  • Free-form Remittance Information (if sent, up to 140 characters)

  • Sending Bank Name (up to 140 characters)

  • End-to-End ID (35 characters)


For Example:

FedNow Incoming Payment
ABC Company Inc.
Invoice 123456 Paper Stock
Citibank NA
20251104122287251T1B0000000330

32668

What is the difference between FedNow® and RTP® networks?

Both networks provide real-time clearing and settlement, but they are operated by different entities. FedNow® is operated by the Federal Reserve, and RTP® is operated by the Clearing House. As a client, you don’t need to choose—your account can receive payments from either network.

Note: Not all banks are enabled for Send on both networks, so please work with your sending party to identify preferred network.

What are the fees associated with Instant Payments?

Receiving Instant Payments may be subject to fees. Please refer to the Analyzed Commercial Banking & Treasury Management Fee Schedule or contact your relationship manager for details.

How do Instant Payments compare to ACH or wires?

  • Instant Payments are faster and settle immediately, unlike ACH (same-day or next-day) or wires, which may be subject to delayed availability and cut-off schedules.

  • Unlike ACH, Instant Payments are final (no reversal capabilities).

  • Unlike wires, Instant Payments are available anytime (no business-day restrictions).

What are Axos Bank's standard business hours?

Standard business hours are 6:00 a.m. PT to 6:00 p.m. PT, Monday through Friday; subject to change.