Your money moves in seconds.
Here is exactly how.
BridgePoint connects your business to FedNow and RTP — the real-time payment rails that the largest banks in the country use. When your client pays you, the money moves in seconds, not days.
Why payments take 1 to 3 days
and why that hurts you.
When you send or receive a payment through a normal bank transfer, that money travels through a system called ACH — the Automated Clearing House. ACH was built in the 1970s and runs in batches. Banks collect payments throughout the day and send them together overnight.
That is why you see "1 to 3 business days." The money is sitting in a queue. Weekends and holidays make it worse. For a staffing agency floating payroll, a freight broker paying carriers, or a cleaning company waiting on a client invoice, that float is real money you cannot use.
What FedNow and RTP are
and why they matter.
FedNow is a payment rail built and operated by the Federal Reserve. It launched in 2023 and lets money move between bank accounts in seconds, any time of day, every day of the year. RTP is a similar rail operated by The Clearing House, running since 2017.
Both rails work the same way: money leaves the sender's account and arrives in the recipient's account in seconds. No batch window. No waiting period. The transaction is final the moment it settles.
BridgePoint connects your business to both rails and automatically routes each payment through whichever is fastest for your recipient's bank.
FedNow
Operated by the Federal Reserve. Reaches most US banks. Transaction limit up to $500,000. Runs 24 hours a day, 365 days a year.
RTP
Operated by The Clearing House. Transaction limit up to $10,000,000. Covers 90% of US demand deposit accounts.
Auto-routing
BridgePoint checks which rails the recipient's bank supports and automatically selects the fastest available option.
ACH fallback
If a recipient's bank does not support instant rails, BridgePoint falls back to Same-Day ACH so your payment still moves faster than standard.
What BridgePoint does
step by step.
You do not need to become a FedNow participant or apply to The Clearing House. BridgePoint handles all of that. Here is what happens from your side.
1. Create your account
Sign up with your business name, industry, and contact information. Provide your EIN and officer details for identity verification. Takes a few minutes.
2. Connect your bank account
Link the checking account where you want funds to land. We verify it instantly. No waiting on paper statements.
3. Send or request a payment
From your dashboard, enter the amount, your recipient's bank details, and an optional invoice reference. Hit send.
4. Money moves in seconds
BridgePoint routes the payment over FedNow or RTP. Funds are available to the recipient, typically within 10 seconds.
How pricing works.
No surprises.
BridgePoint charges a small percentage of each transaction. No flat monthly fee. No charges when you are not using it. You pay for what moves, nothing more.
Your exact rate is set when your account is activated, based on your industry and monthly volume. Contact us before signing up to discuss your rate.
Example: Staffing agency, $50,000 per month
At a rate of 0.4% per transaction, here is what a typical month looks like.
How your money and data
are protected.
Every payment goes through compliance and OFAC sanctions screening before it reaches the rails. All data is encrypted in transit and at rest. Banking credentials are never stored in plain text.
OFAC screening
Every transaction is screened against the OFAC sanctions list in real time before being sent to the payment rail.
Encrypted in transit
All communication between your browser, our servers, and the payment rails uses TLS encryption.
Identity verification
All accounts go through KYB (Know Your Business) verification before live payment processing is enabled.
Final settlement
FedNow and RTP payments are irrevocable once settled, protecting both parties from unauthorized reversals.
Common questions.
Ready to stop waiting
on your own money?
Set up in minutes. Pay only for what moves.