Real-Time Payments (RTP)


"A Real-Time Payment (RTP) lets you move funds from one bank account to another account at a completely different bank, for a flat fee and in about a second...."

Banks on our Bank Centric Payments platform can offer their business clients a faster and more secure way to move funds from one bank account to another account at a different bank. This presents new opportunities for businesses to better manage their cash flow.

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We originated our award-winning Bank Centric Payments as a single point login platform to provide FIs, ISOs and their clients with a more cohesive experience. The platform is an easily deployed risk-managed environment for client registration, underwriting and a seamless delivery of credit card, ACH (including same-day), Real-Time Payments (RTP) and RDC payment solutions. This cloud based system deploys in minutes as a white label through your website and all under your branding.

Clients can be provided with one or all of the following payment options: online forms, mobile, text, email, virtual terminal, phone (IVR), shopping cart checkout and Remote Deposit (RDC).


Simplifying the adoption of payments as a service is critical for FIs to remain competitive in the future. A proper bank centric approach solves the problems and complexity of putting the systems in place for all parties in the payment process to access the tools and solutions they need in a scalable manner. A single, fully integrated platform can replace what would normally require three vendors and an integrations project in order to launch

Rayleen M. Pirnie Owner of RP Payments Risk Consulting Services, LLC


Here is an article in BankNews about Bank Centric Payments.

Now banks and ISOs can add a secure payments platform (with a 100% white label option in minutes) with the tools and access layers to enable a bank to offer feature-rich payment solutions to ISOs & clients (SMB and enterprise) in a harmonized fashion. This platform also includes comprehensive administration tools delivered via an intuitive interface and/or a full library of APIs giving the bank a versatile building block approach for payment process automation.

Bankers should also know that Chargent, the leading payment processing solution on the Salesforce AppExchange, is integrated with the Bank Centric Payments platform powered by linked2pay.

SOC logo

Data security is of paramount importance to linked2pay. Our 15 year history of commitment to the controls that secure client data is further demonstrated by our successful completion of the Service Organization Control (SOC 1 Type II) audit.


The value of data integrated to a live registration, underwriting and onboarding process is a prime example of how solution providers can bring improved efficiency and KYC elements to financial institutions while enhancing the service delivery for their clients and reselling partners.

Bradley Blacker Director of alliance partners and integration LexisNexis Risk Solutions

Why Bank Centric Payments?

Improving the payments process from the bank outward produces winning results for everyone involved. The bank (ODFI) gains a payments technology platform that delivers the control and efficiency needed to scale underwriting, on-boarding and the daily clearing of payment transactions. Payment service providers leverage award-winning payment solutions along with an improved process for acquiring, boarding and maintaining client relationships. Clients can now upgrade and consolidate their payment solutions onto one platform for simplified deployment and greatly improved reporting.