The U.S. payments system is transforming with the rise of instant payments through the RTP network and the FedNow Service. Fiserv offers two real-time connectivity options: NOW, a packaged solution providing rapid access via a sponsor-bank model, and Payments Exchange, a flexible gateway for direct integration with payment networks and third-party services. Institutions can choose between simplicity with managed settlement or full operational control. Fiserv's solutions help financial institutions meet growing consumer demand for faster payments while offering flexible integration options to match different operational needs.

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