Finzly Enabled Instant Payment Requests for Banks

Financial institutions can now offer clients a direct, bank-based way to send and approve digital payment requests.

Updated on Sept. 23, 2026 in Banking

Isometric editorial illustration showing a metallic structure connecting two geometric blocks, representing digital payment system integration. — Finzly has received technical certification for Request for Payment functionality on the RTP network, allowing banks to integrate real-time digital payment approvals into their platforms. AI Illustration. Upload story photo >

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Do you trust instant, bank-integrated payment requests to simplify how you manage your personal bills?

Finzly has received technical certification for Request for Payment functionality on the RTP network, allowing banks to integrate this capability into their customer platforms. This update enables businesses and consumers to send and approve payment requests that settle instantly.

Why it matters

This development expands the utility of the RTP network by allowing users to initiate transactions directly through their bank, rather than relying on external third-party payment apps. By facilitating bank-integrated requests, it streamlines how households and businesses manage and approve outgoing payments.

The RTP network connects over 1,400 financial institutions and processes more than 97% of bank-to-bank instant payment volume in the United States. While now certified, the pace at which individual banks will roll out this request feature to retail customers remains under development.

The players

Finzly

A financial technology provider that develops banking software and API-based platforms for payment processing.

The Clearing House

A banking association and payments company that owns and operates the RTP network for instant settlement.

The details

Finzly integrates the Request for Payment capability through its Payment Galaxy platform, which uses APIs to connect banking systems with the RTP network or the FedNow Service. Once a bank deploys this, customers receive payment requests within their digital banking interface and must manually approve them before funds are transferred. This process ensures that individuals retain control over the timing and authorization of their payments while utilizing instant settlement infrastructure.

September 22, 2026: Finzly announced the technical certification.

Money Landscape

This move follows a long-term industry trend toward digitizing bank-to-bank transfers to match the speed of consumer payment apps. It sits within the ongoing transition to real-time settlement systems like the FedNow Service and the RTP network.

You may soon see new 'request to pay' features appear in your mobile banking app, allowing you to review and approve specific bills or requests before money leaves your account. Keep an eye on your bank's digital update notifications to see when your financial institution activates this functionality.

The takeaway

Request for Payment functionality aims to make bank-based digital transactions more interactive by requiring your explicit approval for incoming payment requests. As these tools roll out, review your bank’s notification settings to ensure you are alerted whenever a new payment request requires your authorization.