Payment methodBank Transfer, Open BankingListed Mar 2026
R

Real-time Bank transfer

Real-time Bank Transfer is a payment method that enables users to send and receive money instantly through their bank accounts.

Real-time Bank Transfer is a payment method that enables users to send and receive money instantly through their bank accounts. It allows businesses to accept payments in real time, offering a secure and efficient alternative to traditional payment methods like credit cards or checks. This service is widely used in Europe, Asia, and Latin America, helping businesses reduce payment delays and fraud risks. Real-time Bank Transfer improves cash flow by ensuring faster, secure transactions for both businesses and consumers.

5

sectors served

CosmeticseCommerceFood & DrinkHealthcareSaaS
1

built on

APAPI

What Real-time Bank transfer costs

Merchants do not pay Real-time Bank transfer directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.

What you need to onboard

N/A

What the last check found

This is a category rather than a branded payment method, so no country or currency is recorded for it. A category that inherits one product's footprint states something false: "cash payment: 1 country" would tell a reader that paying in cash exists in one country. Where the write-up below refers to a recorded country or currency, this line is the correction.

Checked 2026-10-21: GENERIC CATEGORY — confirmed, and the record already reached this conclusion itself with empty arrays; I verified it rather than trusting it. "Real-time Bank transfer" names a kind of payment: a bank-to-bank push payment that clears on a domestic instant rail in seconds, as distinct from a card, an e-wallet, or a slow

This is a category rather than a branded payment method, so no country or currency is recorded for it — a category that inherits one product's footprint states something false.

This is a category, not a method. It describes a bank-to-bank push payment that clears on a domestic instant rail within seconds — as distinct from a card, an e-wallet, or a slow SEPA/ACH credit. Nobody operates it: there is no scheme, no acquirer contract, no country it belongs to.

I looked for a method of this name in Adyen's 113-method catalog, Airwallex's matrix, Antom, Stripe, and the /llms.txt indexes of Checkout.com, Mollie, Rapyd, dLocal and Worldpay. None publishes a payment method called "Real-time bank transfer". All of them use it as a taxonomy label instead. Adyen's Type column carries "Real-time payments" (DuitNow, PayNow, PayTo, Pix) alongside separate "Bank transfer" and "Online Banking" types. Stripe groups "Real-time payments" (Pay by Bank, PayNow, PayTo, PromptPay, UPI, Swish) apart from "Bank redirects" (iDEAL, Bancontact, BLIK, EPS, FPX, P24, TWINT) and "Bank transfers" (its customer_balance virtual-account flow). Antom's "Real-time payment" category is Bank Transfer via VietQR (VN/VND), PayNow (SG/SGD), PromptPay (TH/THB), QRIS (ID/IDR), QRPH (PH/PHP), UPI (IN/INR). Airwallex splits "Bank transfer" from "Online banking". Worldpay uses the exact phrase only in prose about other brands: Euteller is "A Finnish real-time bank transfer", MyBank "An Italian real-time online bank transfer".

The practical point: you never integrate "real-time bank transfer", you integrate the local rail — Pix, SPEI, UPI, PayNow, PromptPay, FAST, FPS, DuitNow, QRIS, Faster Payments. Push payments are generally irreversible: no chargeback, and a refund is a separate outbound payout. The existing unsourced country and currency row on this listing should be dropped; a category with a footprint is a bug. (Web-search quota was exhausted this run, so this rests on documentation fetched directly.)

Checked against Real-time Bank transfer’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.

People at Real-time Bank transfer

See all

Nobody from Real-time Bank transfer has confirmed a work email here yet.

Work here? Confirm it

Similar to Real-time Bank transfer

AntomProviderEPSPayment methodGigadatProviderGoCardlessProviderHiPayProvideriDEALPayment methodInstaDebitProvider & methodInterac e-Transfer®Payment method

Sources · 10

  1. Adyen — Payment methods catalog · docs.adyen.commethodsUsed for Adyen's Type column contains "Real-time payments" (DuitNow, PayNow, PayTo, Pix) and separate "Bank transfer" and "Online Banking" types; no method in the 113-method catalog is named "Real-time bank transfer".Checked 20 October 2026
  2. Stripe — Payment method support · docs.stripe.commethodsUsed for Stripe's section headings "Real-time payments" (Pay by Bank, PayNow, PayTo, PromptPay, UPI, Swish), "Bank redirects" (Bancontact, BLIK, EPS, FPX, iDEAL, P24, TWINT) and "Bank transfers" (customer_balance); confirms the phrase is a group label, not a method.Checked 20 October 2026
  3. Antom — Payment methods · docs.antom.comcountriescurrenciesUsed for Antom's "Real-time payment" category membership with buyer country and processing currency: VietQR VN/VND, PayNow SG/SGD, PromptPay TH/THB, QRIS ID/IDR, QRPH PH/PHP, UPI IN/INR.Checked 20 October 2026
  4. Airwallex — Payment methods matrix · airwallex.commethodsUsed for Airwallex's "Bank transfer" and "Online banking" categories and their members; no method named "Real-time bank transfer".Checked 20 October 2026
  5. Worldpay Access — Alternative Payment Methods (APMs) · docs.worldpay.comcountriesmethodsUsed for Verbatim use of the phrase as a description of other brands: Euteller "A Finnish real-time bank transfer", MyBank "An Italian real-time online bank transfer", iDEAL "An online bank transfer in the Netherlands", Przelewy24 "A Polish bank transfer", Trustly "Online bank transfers in Europe".Checked 20 October 2026
  6. Rapyd — Bank Transfers · docs.rapyd.netmethodsUsed for Rapyd's definition ("A bank transfer is a payment submission from your customer's bank account to you") and its examples MX SPEI (mx_spei_bank, MXN) and Singapore FAST/PayNow; shows bank transfer treated as a flow type rather than a brand.Checked 20 October 2026
  7. dLocal — Bank transfer payment · docs.dlocal.commethodsUsed for dLocal's BANK_TRANSFER payment type with REDIRECT and DIRECT flows, examples Caixa (BR) and Banco Industrial (AR), and that such payments sit in PENDING until the transfer completes — i.e. dLocal does not describe its bank transfers as real-time.Checked 20 October 2026
  8. Mollie docs index (/llms.txt) · docs.mollie.commethodsUsed for Mollie's docs index contains only "SEPA Bank Transfer" and no "real-time" entries — evidence no Mollie method carries this name.Checked 20 October 2026
  9. dLocal docs index (/llms.txt) · docs.dlocal.commethodsUsed for dLocal's docs index has no "real-time" entry — checked before concluding nobody publishes a method of this name.Checked 20 October 2026
  10. Rapyd docs index (/llms.txt) · docs.rapyd.netmethodsUsed for Rapyd's docs index lists "Bank Transfers" and "Bank Redirect" as categories and no "real-time" page.Checked 20 October 2026

10 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with Real-time Bank transfer before you sign anything. How we compile this · Suggest a correction ·