Payments Nerds
Payments Nerds is a podcast that explores the most important issues, topics, and trends in the payments industry. Hosted by The Clearing House, it features expert guests who share their perspectives on all things payments. The show is designed for payments enthusiasts and those curious about the payments world.
Episodes
Mary Wisniewski on Instant Payments: Why 24/7 Money Movement on the RTP® Network Is Reshaping Banking, Consumer Expectations, and Fintech Innovation
Financial services commentator Mary Wisniewski explores the future of the RTP® network and instant payments, how real-time payments are changing consumer expectations, enabling 24/7 money movement, supporting earned wage access, and creating new opportunities for banks and fintechs. Recorded live at Fintech Meetup in Las Vegas, the conversation also covers fraud prevention, open banking,
Instant Payments at a Tipping Point: Marcia Klingensmith on RTP® Send Adoption, Modernization, and B2B Payments
Instant payments have reached a tipping point as the RTP® network continuing to expand. The technology is proven, best practices are known, and financial institutions can no longer afford a wait-and-see approach – especially when it comes to enabling send capabilities. In this episode, Marcia Klingensmith of Candescent explains why banks and credit unions must move beyond receive-only par
Getting Tax Refunds Faster: How Republic Bank Is Transforming Refund Payments with the RTP® Network
Republic Bank & Trust leaders Bill Nelson and Natasha Dobson explain how real-time payments are reshaping the tax refund experience for thousands of customers. From refund advances delivered on weekends to tax refunds arriving days earlier than expected, the conversation explores how the RTP® network is helping consumers access critical funds faster, improving cash flow, and creating
How North American Banking Company Is Powering Instant Payments with APIs
Michael Bilski of North American Banking Company and Robert Lewis of Open Payments Network explore how APIs are accelerating instant payment adoption. They discuss real-world implementation strategies, customer demand, and operational lessons learned when it comes to utilizing APIs to quickly enable instant payments over the RTP® network for businesses and their customers. From liquidity
Amplify Credit Union Leverages Instant Payments to Drive Growth and Redefine the Member Experience
Amplify Credit Union’s Stacy Armijo explains how instant payments reshape member expectations, increase loyalty, and grow long-term relationships. Armijo provides details about how instant payments have accelerated deposit growth at her credit union, explains why faster access to money is becoming the new standard, and how credit unions can turn instant payments into a powerful driver of
Instant Payments Strengthen Small Businesses: How Square and JPMorgan are Delivering Real-Time Cash Flow to SMBs over the RTP® Network
In this special syndicated episode from the Leaders In Payments Podcast, Square and JPMorgan reveal how instant payments over the RTP® network are transforming small business cash flow. James Chi, Head of Bank Partnerships and Operations at Block (overseeing partnerships across Square, Cash App, and Afterpay), discusses how Square leverages the reach and capabilities of the RTP network to
Unlocking Liquidity: How CHIPS® Drives Efficiency and Innovation in Global Payments, Featuring John Foran of Deutsche Bank
This episode explores how The Clearing House is advancing liquidity efficiency through the CHIPS® network. Listeners will learn how the CHIPS network enables over $5 billion in annual liquidity savings for participant banks and strengthens market resiliency through real-time netting. The guests on the show, John Foran, Product Manager at Deutsche Bank, and Michael Knorr, SVP of CHIPS Prod
The Future of Payments: BNY's Carl Slabicki on How Real-Time Innovation Is Reshaping Global Banking
In this episode, Carl Slabicki, Executive Platform Owner, Treasury Services at BNY, discussed how treasury services are powering a new era of payments, liquidity, and cross-border efficiency. With trillions moved daily, BNY sits at the heart of global finance – offering a front-row seat to the transformation from batch-based payments to instant, API-driven transactions. Discover how real-
Datos Insights on How AI, Faster Payments, and Modernization Are Transforming Banking
Erica Bauman and Giles Ubaghs of Datos Insights discuss the major themes shaping global banking – from real-world AI adoption and payments modernization to the race for instant, cross-border efficiency. The discussion dives into how banks can move beyond theory to execution, what’s driving innovation, and why faster, smarter technology is key to keeping up with shifting customer expectati
How Instant Payments Foster Financial Inclusion: Suncoast Credit Union’s RTP® Journey
In this episode, Suncoast Credit Union’s Director of Payment Operations, Brandi Forrester discusses how instant payments are transforming experiences for its members and helping improve financial inclusion. From helping underserved communities access funds faster to streamlining internal operations, Brandi shares Suncoast’s journey to launching real-time payments on the RTP® network. Hear
Sun Credit Union CEO Pat Mason Discusses First Steps with the RTP® Network and Building the Case for Instant Payments
In this episode, we sit down with Pat Mason, CEO of Sun Credit Union, along with Leslie Payne, Sun’s Director of Accounting, and Barb Kren, Member Success Executive at Corporate One, to discuss Sun’s early experience joining the RTP® network. Just days into their instant payments journey, the team shares insights on building the instant payments business case, gaining board support, and n
Celebrating Women Leaders in Payments: Insights, Stories, and Inspiration
In this special Payments Nerds® episode, Greg Myers, host of the Leaders in Payments podcast, joins to explore themes that are outlined in the "Women Leaders in Payments" series, including mentorship, risk-taking, and leadership. As a special bonus, you can hear Myers' full interview with Sheffali Welch, COO of The Clearing House, who was part of the "Women Leaders in Payments" series.
Randolph Brooks FCU’s Instant Payments Journey: Building the Business Case
In this episode, Deana Bartel of Randolph Brooks Federal Credit Union (RBFCU) discusses how the $18 billion credit union built its instant payments business case. From evaluating ACH transactions and digital wallet flows to addressing fraud, compliance, and staffing concerns, RBFCU shares lessons from its launch on the RTP® network. Hear how the credit union is keeping deposits in-house,
How NFTYDoor and Modern Treasury are Transforming Home Equity Lending with Instant Payments on the RTP® Network
Discover how NFTYDoor is transforming the home equity lending experience with instant payments over the RTP® network. Jonathan Spinetto, NFTYDoor’s Co-Founder, and Ani Narayan of Modern Treasury explore how digital innovation is speeding up Home Equity Line of Credit (HELOC) funding—even on weekends. Learn how automation, real-time payments, and a seamless online process are reshaping len
From Use Case to Launch: How GBank Built Its Instant Payments Strategy with RTP®
In this episode, GBank EVP and COO Tara Campbell shares her journey implementing the RTP® network at two banks—most recently leading GBank’s go-live with both send and receive capabilities. Learn how GBank built a compelling business case for instant payments by targeting the gaming sector, addressed operational and risk challenges, and collaborated with third-party providers. Tara also o
How Instant Payments Are Powering Business Innovation
Why are corporates turning to instant payments and where are they seeing the biggest returns? In this episode, payments experts Irfan Ahmad, from Bank of America, and Dr. Leo Lipis of Lipis Advisors, explore the possible obstacles to adopting instant payments, how corporations are addresses these challenges, and how adoption of real-time payments by businesses is accelerating. They dive i
Building the Better Payments Journey: Innovation, Rails, and Customer Experience
Building the Better Payments Journey: Innovation, Rails, and Customer ExperienceOn this Payments Nerds® episode, a powerhouse panel of payments experts unpack the evolving landscape of payments in the U.S. From real-time rails to customer expectations, they explore how innovation, data, and collaboration are reshaping the journey. Discover why seamless, secure, and smarter payments matter
The Instant Payments Shift to Send: Lessons from the Front Lines of RTP® Adoption
In this episode, Colin Eagan of Veridian Credit Union and Kathy Duffer of First Internet Bank dive into how their institutions navigated the adoption of real-time payments. From building the business case and educating executives to analyzing customer data for instant payment trends, and moving from receive-only to send capabilities on the RTP network, they reveal lessons learned, surpris
ACH at 51: Surging Volumes, Smarter Payments, and Reliability at Scale
Devon Marsh from Nacha and Jason Carone from The Clearing House explore the surprising momentum behind the 51-year-old ACH network – and why it’s still growing strong. From record-breaking volumes to the rising demand for faster payments, they unpack what’s fueling ACH growth and how the network remains the payments backbone of the U.S. economy through reliability at scale. The conversati
Revolutionizing Payments: HSBC’s Thomas Halpin on the Booming Payments Industry
Thomas Halpin of HSBC dives deep into the fast-paced world of payments, where innovation, speed, and security are constantly redefining how businesses operate. With growth across all types of payments surging, he explores the rise of real-time transactions, the global shift to ISO 20022, and how cutting-edge technology is reshaping everything from cross-border transfers to instant payment
Instant Payments, Instant Impact: How H&R Block and PNC Bank Are Transforming the Customer Experience with Real-Time Payments
In today’s fast-paced digital world, customers expect seamless transactions and instant gratification. In this episode Stephanie Hiersche, Treasury Program Manager at H&R Block, and Sarah Billings, Head of Global Payments at PNC, discuss how instant payments are reshaping the customer experience. They examine how H&R Block is reducing older fee refund processes, reducing costs, an
Why Instant Payments Are Just Getting Started in the U.S. — A Conversation with Two Payments CEOs
In this episode of Payments Nerds, recorded at Fintech Meetup in Las Vegas, Tom Warsop, President and CEO of ACI Worldwide, and David Watson, President and CEO of The Clearing House, dive into the current state – and future – of instant payments in the United States. From the payments tech being ready and scalable now, to what’s holding back adoption, the game-changing potential of cross-
Fueling Faster Payments: How Chesapeake Bank is Powering Innovation in Instant Payments
DJ Seeterlin, President of Chesapeake Payment Systems, joins Payments Nerds at Fintech Meetup to share how Chesapeake Bank became a pioneering early adopter of instant payments on the RTP® network. From supporting small truckers to replacing checks, DJ discusses innovation, risk, and strategy – plus how collaboration and curiosity drive new product development in the payments space.----Pa
ABNB FCU’s Instant Payments Breakthrough: Sending is a Game-Changer for Members
ABNB Federal Credit Union took a bold step by adding sending capabilities for instant payments in November 2024. The goal? To empower members with seamless money movement 24/7, even during banking holidays. The early results exceeded expectations – 2,300 transactions and over $1.1 million sent in just two months, with an average transaction size of nearly $700. In this podcast, Cassandra
The $10 million RTP® Network Transaction Limit: What You Need to Know
The individual transaction limit on the RTP® Network is increasing to $10 million, marking a significant milestone in the instant payment system’s seven-year evolution. This move aims to address market demand from the more than 285,000 businesses that are connected to the RTP network through their financial institution and expand use cases, such as real estate/title insurance, B2B/supply
Leaders in Payments: David Watson on the Rapidly Evolving Payments Ecosystem
David Watson, President and Chief Executive Officer of The Clearing House, joined the Leaders in Payments Podcast to discuss the rapidly evolving world of instant payments, digital currencies, how The Clearing House has evolved during its 170-plus years in the banking and payments space, career advice for aspiring payments professionals, and the safety and soundness of payments rails. Thi
Leaders in Payments: Margaret Weichert on Mentorship and Team Dynamics
Margaret Weichert, Chief Product Officer at The Clearing House, joined the Women Leaders in Payments series to discuss her career journey in payments. This episode originally appeared as part of the Leaders in Payments Podcast. On this special episode, Margaret discusses the complexities of leadership and team dynamics, and she candidly addresses the unique challenges faced by female lead
Evaluating Risk When Adding Instant Payment Send
For many financial institutions (FIs), adding send capabilities is the next step in the instant payments journey. Moving from being a receive-only bank to one that also offers send requires additional functionality, including more robust fraud scoring, enhanced security features, such as multi-factor authentication or biometrics, and operational and technology considerations. IncredibleBa
Adding Instant Payments Send Functionality is a Snap with Planning and the Right TPSP
While many financial institutions initially join the RTP® network as receive-only participants, adding sending capabilities can be done relatively quickly with a sound business plan, a thoughtful approach, and a great technology partner. ABNB Federal Credit Union, which joined the RTP network a few short months ago (May 2024), is already moving to become a send/receive participant. Cassan
NEACH’s Wrestling Payments Special Episode on Payments Nerds
Joe Casali, host of NEACH’s Wrestling Payments podcast, joins the show to discuss what he has learned about current instant payments trends while recording his podcast, and previews his interview with Rusiru Gunasena, SVP of RTP® Product Management at The Clearing House. Rusiru joined the Wrestling Payments Podcast earlier this month to discuss the RTP networks growth, how instant payment
Instant Payments Solve Emergency Payroll Challenges for Corporations
Making sure employees are paid correctly each pay period is a primary focus of corporate human resources and finance teams, and their payroll provider. Usually payroll runs smoothly and employees are happy to receive their pay. However, often there are payroll exceptions and emergencies that require employers to find alternative ways to get pay to their employees urgently. Given the natu
30. Real-Time Payments Provides Competitive Advantage for Freight Factoring
In the transportation industry, freight factoring is a vital way for trucking and shipping companies to get paid on quickly for freight and shipments that have been successfully delivered. These payments help trucking companies maintain positive working capital instead of waiting 30 to 90 days for an invoice to be paid by the manufacturer or supplier (the standard payment timeline in the
29. Driving Real-Time Payments Adoption in the Transportation Industry
Transit agencies and tolling authorities process millions of payments each day. Consumers and businesses pay tolls or mass transit fares to go to work, deliver goods or to simply go on vacation. It is important to make sure that electronic tolling tag accounts or mass transit accounts are funded so customers don’t miss payments or face fines for not paying tolls. Checks take time to proce
28. Transforming Real Estate Transactions with Real-Time Payments
If you have ever participated in a real-estate transaction, either as a buyer or seller, you quickly realize that real estate doesn’t move as quickly as other transactions in today’s economy. This applies to payments as well, which typically still happen by check (most common), wire transfer or ACH payment. All three of these payment types can cause confusion, delays or errors in a real e
27. Grain Leverages RTP® network to Provide Instant Loans to Consumers
Consumers often need access to funds to cover an unexpected expense, such as a flat tire or a repair to a faulty hot water heater. While there are a variety of loans available on the market, often the earliest a customer could get money into their bank account was the next day. Grain, which analyzes a consumer’s cash flow to determine eligibility, now sends loan payments instantly to cust
26. How RTP® Makes Earned Wage Access A Reality for Workers
The fastest-growing use case on the RTP network is real-time pay and earned wage access (EWA). To give you an idea of how fast it is growing, from Q1 to Q2 this year, Instant Payroll grew 104%! RTP, in particular, makes it possible for wages to be instantly sent to a worker’s bank account … so they can use it just like cash, on the same day to pay bills, buy groceries, or pay emergency ex
The RTP® Network Celebrates 5 years of Real-Time Payments Growth
RTP, the nation’s newest payments rail, launched in November 2017 and is now celebrating its 5-year anniversary.RTP transaction volume continues to grow at an average of 10% each quarter, and dollar value also continues to grow at the same pace. There are over 280 banks and credit unions on the network, with more joining each week. And what is really interesting about the growth, is that
24. Removing Friction in the Used-Car Sales Process with Real-Time Payments
Lithia Motors, one of the largest automobile dealers in the United States and owner of the Driveway.com used-car marketplace, recently started to send real-time payments to sellers on Driveway.com to help remove friction from the payment – which was traditionally done via check, ACH, or sometimes cash. Now, with real-time payments over the RTP® network, sellers can receive payment for the
23. CHIPS Liquidity Savings Mechanism is the Most Efficient in the World
CHIPS, the high-value payment system from TCH is highly efficient in its use of liquidity when compared to other major payment systems around the world, and effectively serves as the liquidity savings mechanism for the entire U.S. large-value payments system. It also underscores the nature of CHIPS as an early settlement system that reduces operational risk for participants, end users, a
22: Real-Time Payments® Can Instantly Keep a Corporate Card Funded w/ Dan Skaggs & Rich Benson
Real-time payments over the RTP® Network are helping to solve real-life business problems every day. In this episode of Payments Nerds, our speakers discuss real-time payments for corporate cards, which are commonly used by a company’s employees for a variety of expenses including corporate travel, inventory purchases, supplier payments, booking venues for events, and much more.But what h
21: Navigating RfP: An Important Addition to the RTP® Network
One of the most exciting enhancements to the RTP® network this year is the production availability of request for payment (RfP). For corporates, RfP provides a business with the ability to send a bill, along with the request for payment, directly to a customer’s banking app, so the customer can review the bill, and pay it all from the app. RfP allows bank and credit union customers to sen
20: Joining the RTP® Network: A Firsthand Look Into the Process w/ John Sullivan
Recently, the RTP network has started to grow quite rapidly. Currently, there are about 138 financial institutions on the network and over 100 of those have joined in just the past 12 months.Banks and credit unions that haven’t joined yet tend to see the value in real-time payments. They just haven’t figured out their full real-time payment strategy yet, and naturally, they have a lot of
19: How Sports Wagering Is Benefiting from RTP® Network w/ David Roe & Laura Listwan
Sports wagering is exploding in popularity since the Supreme Court decision in 2018 to allow it in the US. And that explosion is fueled by the power of real time payments.To learn more, we invited David Roe, Chief Operating Officer at Mazooma, and Laura Listwan, SVP, Head of Commercial Payments Products at Fifth Third Bank, onto the show. David and Laura have been instrumental in pioneeri
18: Streamlining Payment Processes in a Digital Economy w/ Rachel Pike
Most people only think about payments when sending or receiving money, but behind the scenes, as many #paymentnerds know, there’s a number of moving parts in the payment process.Rachel Pike, Chief Growth Officer at Modern Treasury, guides us through the roadmap of the payment lifecycle to discuss: The evolution of real time payments (RTP)Delivering a delightful customer experience RTP sys
17. Evolution of Real-Time Payments Across Financial Services w/ Carlos Rotger & Steven Bernstein
Across America, the need for at-home banking has risen, along with the need for real-time capabilities.As more Americans have taken a hold of their finances, more financial services are moving the needle faster than ever before to meet customer expectations of 24/7/365 control and access.Carlos Rotger & Steven Bernstein were guests on the Payments Nerds podcast, talking specifically a
16. Get Funded the Way You Do Business: 7 Days a Week
For small businesses, cash flow is one of the most crucial aspects of business right now. Will you have enough money coming in to operate the business in a way that is sustainable? Do you have access to your funds when you need them? What happens when at close of business on Saturday, you need funds to open on Sunday and don’t have access to them? How do you operate when your funds are ti
15. Why Payments Platform Modernization Is Changing Finance
As consumers, most of us expect great digital experiences. And COVID-19 is converting the last holdouts to Amazon. It’s time we ask the same of financial institutions. On the latest episode of Payments Nerds, I sit down with Wade Hobbs, Vice President, Solution Strategy at Viewpointe, and Susan Kent, Enterprise Technology Strategist at Truist. We discuss the race behind the scenes at so
14. Instant Payments and Other Everyday Uses for the RTP® Network
Our listeners keep asking us one question: What are folks actually doing with RTP® payments in their everyday lives? Today, we want to answer that question. In this episode of Payments Nerds, I speak with Jeff Rayis, Director of Treasury & Financial Management, Michigan State University, and Parker Nolan, FMI Scholar at Michigan State University’s Eli Broad College of Business. We dis
13. What's in Demand When It Comes to RTP?
Often, banks, especially community banks, will say there's no demand for RTP®. No one's asking for this, they say. But some folks on the ground argue that isn't so. What's the scoop on RTP® and fintechs? In this episode of Payments Nerds, I speak with Jesse Honigberg, technology chief of staff, and Matt Brazda, product manager, at Cross River. Their company is helping empower millions of
12. Making Real-time Payments for Payroll with Paychex
Something went wrong with your direct deposit. Maybe your employee got underpaid, or the wrong deductions got taken out. Whatever the reason, their check is messed up, and they need it fixed right now. How do you fix it? Traditionally, you had to go through direct deposit, which took days. Now, however, Paychex has created a newer, faster way. In this episode of Payments Nerds, I speak w
11. Reducing Payment Friction for Credit Union Members
What do credit union members want from their payments? Is it speed? Convenience? Low costs? Rewards? A warm belly and a pat on the back? In this episode of Payments Nerds, I speak with Lisa Coffey, chief innovation officer at Corporate America Credit Union. We discuss how efficiency and convenience are the two key concepts for credit unions that want to meet customer expectations for pay
10. How Real-Time Payments Affect Financial Institutions
Customers expect the same digital experience from the bank that they receive from retailers. But many financial institutions haven't set up the technological infrastructure they need to make that happen. In this episode of Payments Nerds, I speak with Carrie Blankenship, director of product management at Fiserv. We discuss how the back office is changing for financial institutions. Plus,
9. Paychex is Offering Real-Time Payroll for Employers - See How w/ Eric Wade
People nowadays have high expectations for fast and convenient services. That does not disclude employers. In this episode of Payments Nerds, I speak with Eric Wade, product manager at Paychex. We discuss how Paychex is able to offer real-time, on-demand payroll and payment corrections. Plus, we talk about: How the gig economy has altered our expectations for payroll. How companies are co
8. How to Future-Proof Your Fraud Prevention w/ Allegra Angus
Faster payments means faster fraud. With the speed of fraud, organizations need to be able to roll out a new fraud model on demand several times a year. On this episode, I interview Allegra Angus, Product Manager at NICE Actimize, about financial crime prevention. What we talked about: The many ways that fraud is faster today Vulnerabilities of banks and credit unions The strategic import
7: How Billers & Banks Are Harnessing the Power of RTP Bill Pay w/ Peter Davey
Everybody wants safer and faster bill payment options. Now, the new Real-Time Payments® system from The Clearing House gives all financial institutions the ability to offer enhanced digital payments innovation to their customers. To talk about the current state of bill pay and the future of RTP® is payment innovator, futurist, and strategist, Peter Davey. He discusses: The relationsh
6: A Look at Real-Time Payments Around the World w/ Leo Lipis
There are roughly 40 countries around the world that already have real-time payments systems. These range widely in terms of their design and the degree of economic development of those countries. In this episode guest Leo Lipis, Managing Director at Lipis Advisors, walks us through the ways in which RTP® in the U.S. is both similar and different from its global cousins.
5: Why Achieving Faster Payments Is No Longer Optional w/ Carl Slabicki
Over the past few years, there’s been a concerted effort to bring faster payments to fruition. Why is this now becoming real as opposed to when the industry’s tried in the past? The answer is simple: survival. In this episode Carl Slabicki, Director, Product Line Manager at BNY Mellon, shares more.
4: Today’s Most Exciting Payments Improvements for Credit Unions w/ Mary Alice Liotta
“We look at moving to Real-Time Payments® as a strategic imperative.” So says today’s guest: Mary Alice Liotta, SVP, Director, Operations at ESL Federal Credit Union—and for good reason. ESL has seen a number of exciting efficiencies in their payments arrive recently, both on the customer and the internal side. In this episode, Mary Alice talks about how ESL’s whole team embraced RTP® as
3: Why We Need to Stop Waiting on the Feds to Use Real-Time Settlement w/ Steve Ledford
Instant gratification in payments is not asking too much. It’s simply what people expect. So why does the US lag behind when it comes to real-time payment solutions? On this episode, we interview Steve Ledford, SVP of Products & Strategy at The Clearing House. His team is responsible for the development of the RTP® network — a real-time payments solution. On this episode, Steve gi
2: RTP Will Change Banking as We Know It w/ Robert Mancini
What’s the surprising trigger that’s prompting financial institutions to initialize faster payments on the RTP network? Robert Mancini, Services Executive & Payments Evangelist at Finastra, has the surprising answer. Demographics. Banks know they need to transform themselves. For a long time they have depended on great customer service to differentiate from their competitors. But the
1: How Real Time Payments Create Smart Data You Can Use w/ Keith Riddle
If you’re a payments nerd, you know that unfortunately, today most payment data is more big data than smart data. What makes smart data? For many financial institutions, real time payments (RTP) are the key to opening the door to vast amounts of smart data that they can use to create a whole new suite of services. Some see offering RTP as a game changer for both financial institutions and
Why You Should Listen to Payments Nerds
Did you hear about the new payments system? Can Bitcoin compete in the retail payments space? Will the latest policy change help or hurt folks using payment systems? You’ll get answers to these questions and more in our new Payments Nerds podcast. We at The Clearing House are experts in payments. The Clearing House has evolved from our early days of just clearing and settle check payments
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