Aeropay has unveiled a major advancement in real-time payments with the launch of its new Request for Payment (RfP) capability, developed in partnership with Cross River Bank. This enhancement builds on the companies’ existing instant payment offerings and gives U.S. businesses the ability to accept instant consumer deposits through the RTP network. Splash Sports, a popular real-money online gaming platform, will be the first to put the feature into action, enabling players to fund their accounts in seconds.
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Today’s payment landscape in the U.S. still relies heavily on slow settlement rails—card and digital wallet transactions often take up to three days to clear, and ACH payments are limited to business hours. These delays can create cash-flow challenges, failed payments, and friction for businesses and customers alike. RfP offers a meaningful shift, delivering immediate settlement, round-the-clock availability, and dramatically reduced risk thanks to its good-funds model.
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With RfP integrated into Aeropay’s API, businesses can send a payment request directly to the customer’s banking app. The customer approves it securely, and funds move instantly with real-time confirmation for both sides. This creates a smoother, more transparent payment experience one that reduces disputes, cuts fraud risk, and helps businesses maintain healthier cash flow. By eliminating waiting periods and uncertainty, companies can operate with far more efficiency and confidence.
Cross River serves as the financial backbone powering RfP origination and settlement over the RTP® network, ensuring that every transaction moves securely and within regulatory guidelines. Together, Aeropay and Cross River now offer businesses a unified real-time money movement system that covers both incoming and outgoing payments. This end-to-end capability is expected to be especially impactful for digital gaming platforms, which rely on fast deposits and withdrawals to keep users engaged, but adoption is expected to expand quickly into sectors such as e-commerce and financial services.
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Splash Sports is already seeing an immediate benefit. With Aeropay’s RfP solution, players can add funds instantly without card fees, while the platform itself gains stronger cash flow and reduced payment risk. Leadership from both companies highlighted how the launch represents the next evolution in instant payments. Aeropay CEO Dan Muller emphasized that this is a major step toward modernizing money movement with consumer-controlled, real-time transactions. Cross River’s Adam Goller added that RfP bridges the long-standing gap between instant payouts and instant pay-ins—something the industry has needed for years.
Together, Aeropay and Cross River are reshaping how businesses collect payments, delivering a modern alternative to traditional, slower, and more costly methods.
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