Fiserv’s Instant Pay by Bank solution helps financial institutions offer consumers a fast, secure alternative to traditional ACH pay‑by‑bank options at checkout. By integrating with leading retailers, Fiserv enables easy enrollment and instant payment initiation within ecommerce flows or digital wallets, using real‑time payment rails to settle funds quickly. The software streamlines authentication, routing, and settlement, reducing friction for both customers and merchants while improving conversion and reducing payment risk. Fiserv’s underlying payments infrastructure also supports strong fraud controls and compliance, allowing institutions to deliver a modern, convenient pay‑by‑bank experience that aligns with rising demand for instant, account‑based payments.

Join for free to read