Six stages, every time. Not a sales pitch, the actual sequence a payment moves through, and where each of the five methods and the fraud check fit into it.
The recipient chooses a payment method in the Digital Wallet, ACH, RTP & FedNow, a check, or a prepaid card, once, up front. If nothing is chosen, the operator sets a default in the Console. This step happens one time, not on every payment.
An event starts the clock: a payroll cycle runs, a claim is approved for disbursement, a settlement clears, or a billing date arrives. Nothing here waits on a person to remember to initiate a transfer manually.
The payment is assigned to a rail based on the method chosen in Setup and how time sensitive the trigger is. A scheduled, recurring payment routes over ACH by default. A payment explicitly marked urgent, and eligible on both ends, routes over RTP instead. Check and prepaid card are direct selections that bypass this logic entirely.
Before a payment clears, it is checked, not after. A flagged payment halts and surfaces immediately in the Operator Console, while every other payment in the same batch continues moving. Screening happens once per payment, not as a separate audit pass later.
Funds actually move, on whichever rail was assigned. Timing depends on the method, seconds for FedNow, same day to next day for ACH, a print and mail cycle for a check, immediate load for a prepaid card.
The same status record updates for both the recipient and the operator at once. Nobody has to ask the other party whether it landed. A record is generated automatically, so there is no separate reconciliation report to assemble afterward.
Two inputs, not a guess.
Set once in the Digital Wallet. This is the default unless the payment itself demands something different. A recipient who chose ACH stays on ACH for every routine, scheduled payment.
Some payments are marked time sensitive at the point they are triggered, a same day disbursement need, for instance. Those override the standing choice and route to the fastest eligible rail, most often FedNow where the receiving bank supports it.
What each one actually requires to set up, and where its real limitations are.
Not a marketing phrase, a specific set of facts both sides can see.
Bring your current payment types and timelines. We will walk through exactly where each one lands in this sequence.
Payment infrastructure built to remove the variability from recurring payments, across every industry it serves.
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