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    This individual Note Seizing the Opportunity of a U.S. Real-Time Networkis available for purchase. This Note is available to members of Mercator Advisory Group’s Debit and Alternative Products Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

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Seizing the Opportunity of a U.S. Real-Time Network

The United States begins planning a national real-time payments capability

Lagging several countries, the U.S. considers a single payments platform based on global standards to provide real-time or near-real-time payments

Mercator Advisory Group's research note, Seizing the Opportunity of a U.S. Real-Time Network, explores the opportunity as well as the complexities involved in the development of a single national payments platform and how other countries, including many important U.S. trading partners, have approached the significant effort involved in providing real-time or near-real-time posting of payments.

“The U.S. has really just begun to think seriously about how a real-time payments platform would take shape. There are many challenging questions to consider regarding cost, leadership, ongoing management, and if a business case for faster payments really exists for its stakeholders,” comments Sarah Grotta, Director, Debit Advisory Service at Mercator Advisory Group and co-author of the research note.

This research note has 12 pages and 3 exhibits.

Organizations mentioned in this research note include:
ACI Worldwide, FIS, Paym, SWIFT, VocaLink, and YouGov. 

 Highlights of this research note include: 

  • The critical components of a real-time payment network

  • Use cases 

  • Review of real-time payment solution around the world

  • Hurdles the United States faces in the planning for a national solution