How it works

Live on instant payments in days, not quarters.

BridgePoint sits alongside your existing core. One API integration connects you to FedNow and RTP with no infrastructure to manage.

01

Request access and sign an LOI

Submit a request through our website. We review your institution, reach out within 1–2 business days, and issue a Letter of Intent covering your pilot terms — transaction cap, rate, and duration.

  • 30-day pilot with a 500 transaction cap
  • No commitment required beyond the pilot period
  • Direct contact with our team throughout
02

Receive your API credentials

Once approved, you receive a Client ID and Client Secret by email. These are your permanent credentials for the BridgePoint API. Store them securely in your environment variables — they are shown only once.

  • Credentials delivered via encrypted email
  • Rotate your secret at any time via the portal or API
  • 24-hour JWT session tokens issued on each auth call
03

Integrate in sandbox

Use your credentials in our sandbox environment to test your integration end to end before going live. Our API reference covers every endpoint with request and response examples.

  • Full sandbox environment with test accounts
  • Idempotency keys prevent duplicate transactions
  • Webhook delivery for real-time status updates
04

Go live and monitor in real time

Flip to production with the same credentials. Every transaction is logged, every status update delivered by webhook. Your team can monitor activity in real time through the bank portal.

  • Transactions settle in seconds, 24/7/365
  • Bank portal shows your transaction and billing history
  • BridgePoint handles all underlying infrastructure

FedNow Service

The Federal Reserve's instant payment rail. 24/7/365 availability with Federal Reserve settlement and broad participation across U.S. financial institutions.

RTP® Network

The Clearing House's real-time payment network. High transaction limits and deep institutional participation with immediate funds availability for recipients.

No core replacement

BridgePoint connects via API to your existing infrastructure. No multi-year implementation project, no vendor lock-in, no core system changes required.

Bank-grade security

HTTPS everywhere, bcrypt credential storage, JWT authentication, rate limiting, HMAC webhook verification, and full audit logging on every action.

Ready to get started?

We're onboarding a select group of community banks. Reach out to start the conversation.

Request access →