Instant Payments · RTP / FedNow

Pay anyone, any time, even on a holiday.

Aion settles instant payments in seconds, 24 hours a day, 365 days a year.

Growing businesses love our all-in-one platform
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Always on. Always instant.

24/7/365

No need to wait until Monday.

No cutoffs, no holiday closures, no waiting outside a bank for it to open. Payments move nights, weekends, and holidays alike.

2 rails: FedNow & RTP

Both rails, both directions.

Most platforms limit instant payments to receiving, or to a single network. Aion sends and receives on both RTP and FedNow.

Seconds to settle

Built for batches, not just single payments.

Send one instant payment or run payroll for the whole team at once. Funds land in seconds either way.

Built for the way money actually moves.

Improved cash flow.

Instant liquidity means funds are usable the moment they arrive. Your bill pay, payroll, and day-to-day operations don’t have to wait on rails that close for the night.

Fast settlements, every day of the year.

Settlement completes in seconds, 24 hours a day, 365 days a year. There’s no batch window and no next-business-day delay to plan around.

Pay people anywhere.

Instant Payments cover transactions within the U.S. For cross-border transfers, check out Aion’s International Payments capabilities.

Reduce delays, save costs.

Pay vendors the moment funds clear.

Cash that arrives Friday night doesn’t have to wait until Monday morning to move. The moment funds settle, they’re available to send back out, whether that’s paying a supplier, covering payroll, or moving money between your own accounts.

A tighter cash conversion cycle.

Real-time inflows mean less working capital sitting unused while you wait for funds to clear through slower rails.

One less rail to think about.

RTP, FedNow, ACH, and wires all run through the same Aion account. No separate system to manage just to move money fast.

Pricing.

Free to receive, flat fee to send, both cheaper than a wire.

Receiving an instant payment is free. Sending one is a flat $5, regardless of amount, well below the $15 average cost of an outgoing domestic wire. Businesses that send instant payments at volume can move to a subscription plan instead.

Pay as you go
$5per outgoing transfer

Incoming instant payments: free.

Outgoing instant payments: $5 per transfer.

Save 33%
Growth
$1,000per month

Includes 300 outgoing transfers.

Additional transfers at $3.00 each.

In their words

What clients say.

"Aion’s Instant Payments feature has streamlined our cash flow. Paying suppliers in seconds means fewer disruptions and more time spent growing our business. It’s a game-changer for how we operate."
Sylvie Royston, M.D. Founder & CEO, Just Date Inc.
Read the full Just Date case study →

Built for real volume.

Built for businesses that can’t afford to wait on a payment.

Manufacturers paying suppliers against tight production schedules. Logistics operators running payroll for hourly teams. Any growing business where a delayed payment means a delayed relationship, not just a delayed transaction.

Open an Aion account to get started.

Instant Payments are included with your Aion banking account: no separate signup, and available the moment your account is open.