BENTONVILLE, AR, UNITED STATES, September 10, 2026 /EINPresswire.com/ — The U.S. Faster Payments Council (FPC), a membership organization dedicated to promoting secure, user-friendly faster payments throughout the United States, today unveiled a new report created by the FPC Digital Assets Work Group: A Comprehensive Look at the U.S. Faster Payments Landscape for Optimal Operation.
The document explores the expanding array of payment methods accessible in the United States and offers a side-by-side assessment of the FedNow® Service, RTP® Network, Visa® Direct, Mastercard Send™, Same Day ACH, stablecoins, and tokenized deposits. It investigates how these alternatives diverge in terms of settlement, finality, speed, transaction limits, fraud management, governance, liquidity, and other essential attributes.
“This report is a strong example of the valuable industry insight the U.S. Faster Payments Council brings to the market,” said Larry Pruss, Managing Director at Strategic Resource Management (SRM) and Vice Chair of the Digital Assets Work Group. “The depth and diversity of experience across the team is evident throughout the work, providing a comprehensive and practical perspective on the evolving U.S. faster payments landscape.”
The document underscores the unique capabilities that various payment methods can deliver. The FedNow Service and RTP Network enable domestic instant settlement, whereas Visa Direct and Mastercard Send facilitate card-based disbursements and extended reach. Same Day ACH continues to serve as a key option for high-volume batch payments. Meanwhile, stablecoins and tokenized deposits are introducing programmable features and novel settlement approaches.
Beyond evaluating individual payment options, the report looks at operational factors that can shape how organizations choose the best method for a given use case. These factors encompass funds availability, settlement certainty, messaging and data capabilities, liquidity management, fraud prevention and mitigation, governance, and programmability. The document also addresses interoperability hurdles across the U.S. payments environment and the rising significance of payment orchestration.
“The U.S. faster payments landscape is becoming more diverse, and the availability of rails with different features provides users with options to meet their needs,” said Reed Luhtanen, FPC Executive Director and CEO. “This report gives organizations a valuable resource for understanding the characteristics of each option and considering how they can work together. By bringing these different approaches into one resource, we hope to help the industry better understand the opportunities ahead and how faster payments can deliver greater value.”
The report further examines how faster payment options can support a broad spectrum of use cases, including earned wage access, insurance claim payouts, B2B payments, treasury and cash concentration, consumer bill pay, government disbursements, Pay by Bank, loan disbursements, and brokerage sweeps. By reviewing these applications alongside the traits of each payment method, the report offers additional background for organizations assessing which approaches might best align with their business and customer requirements.
The complete report, A Comprehensive Look at the U.S. Faster Payments Landscape for Optimal Operation, can be downloaded from the FPC's Faster Payments Knowledge Center.
To learn more about the FPC, its current initiatives, or to become a member, visit FasterPaymentsCouncil.org.
Contact:
Elizabeth Grice
U.S. Faster Payments Council
720-737-7368
egrice@fasterpaymentscouncil.org
About the U.S. Faster Payments Council (FPC)
The FPC is an industry-led membership organization whose vision is a world-class payment system where Americans can safely and securely pay anyone, anywhere, at any time and with near-immediate funds availability. By design, the FPC encourages a diverse range of perspectives and is open to all stakeholders in the U.S. payment system. Guided by principles of fairness, inclusiveness, flexibility and transparency, the FPC uses collaborative, problem-solving approaches to resolve the issues that are inhibiting broad faster payments adoption in this country. For more information, please visit FasterPaymentsCouncil.org and follow the FPC on LinkedIn and X.
Elizabeth Grice
U.S. Faster Payments Council
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