The FIS Money Movement Hub offers a comprehensive, hosted gateway designed to simplify access to modern U.S. payment schemes for regional and community banks and credit unions. These institutions often face significant complexity and high costs when attempting to implement real-time payment options, which are crucial for remaining competitive with larger banks and emerging fintechs. The Hub directly addresses this challenge by providing a single API that seamlessly connects any core banking system to various instant payment rails, including RTP® and FedNow®, alongside traditional person-to-person, ACH, and wire transfer capabilities. This integrated solution ensures a smooth and accurate flow of funds, facilitates seamless digital experiences for customers, and significantly improves liquidity for financial institutions. Furthermore, the Money Movement Hub is engineered to reduce integration costs, enhance overall digital efficiency, and provide secure, always-on fraud protection. This allows banks and credit unions to focus on their core services while offering cutting-edge payment solutions that meet contemporary customer expectations.

Features & Benefits

• Unified Payment Gateway
  • Provides a single, hosted gateway and API to connect core banking systems with a full range of U.S. payment schemes, including RTP®, FedNow®, P2P, ACH, and wire transfers.
• Customer Acquisition & Retention
  • Enables financial institutions to offer instant payment options, helping them remain competitive and attract new retail and small business customers.
• Regulatory Compliance Management
  • Offloads the burden of managing complex regulatory and technical requirements associated with new and evolving payment schemes to a trusted technology partner.
• Scalable Cloud Operations
  • Leverages a cloud-based architecture that scales with institutional growth, offering flexibility to activate payment schemes as needed and optimize costs through usage-based pricing.
• Enhanced Digital Efficiency & Security
  • Reduces integration costs, enhances overall digital efficiency, and provides continuous, secure fraud protection for all transactions.