Financial Crimes & Fraud Risk
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 JHA PayCenter

  • Ready-built faster payments hub. Leverage quick, cost-effective conduits to the faster payment networks.
  • Seamless connections. Access the FedNow® Service and RTP® Network for instant payments.*
  • Streamlined workflow. Send and receive faster payments through Jack Henry’s core systems and digital solutions – like P2P payments through Payrailz® Pay a Person and A2A transfers through Payrailz® Transfer Money – as well as other integrated cores, mobile, and online solutions. 

    *Funds typically available within seconds
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 Simplified delivery of faster payments empowers you to do more. Much more. 

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support evolving instant payments use cases

With JHA PayCenter, you choose the mix of Send and Receive on FedNow and RTP that meets the needs of your targeted use cases.

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provide faster P2P payments

Meet customers’ and members’ demand for faster person-to-person payments – while driving deposits – with the Zelle® Network and Payrailz® Pay a Person™.

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empower businesses with embedded payments

Help business customers send higher volumes of instant payments through our JHA SmartPay Platform™ and our alliance with Victor Technologies. Dramatically improve cash flow for SMBs on Jack Henry's merchant acquiring solution.

functionalities

  • Leverage network connectivity through use of the PayCenter Services API to build use cases ideal for your unique market.

  • Rely on Rail Finder to identify and use instant payments rails (RTP or FedNow) based on your bank or credit union’s preferences.

  • Boost security with integrations to Financial Crimes Defender (for Zelle, RTP, and FedNow), Payrailz® Fraud Monitor, and other fraud mitigation platforms.

  • Enable straight-through, no-touch, real-time processing and lay the groundwork for rapidly evolving use cases through the ISO 20022 global messaging standard.

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1.3M

In Q1 2025, more than 1.3 million transactions were settled on FedNow, representing a 43% increase over the prior quarter.

$246B

The RTP® Network saw 2024 payment value on the network jump 94% from the previous year to $246 billion, while volume jumped to 343 million transactions.

$1.8T

 P2P payment transactions in the U.S. are expected to account for $1.8 trillion in 2025. 

 

integrations

Differentiate your organization by connecting other tools – from Jack Henry or in combination with third parties.

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faqs

  • The faster payments hub gives you ready-built conduits to RTP® Network, the FedNow® Service, the Zelle® Network, and Payrailz® Pay a Person.

  • Jack Henry refers to payments that run over the RTP Network and FedNow Service as “instant payments.” Instant payments are differentiated from transactions running over other payments rails in that they are 24/7/365, good funds, irrevocable, credit-push only, and require availability to the end user immediately, which typically means within seconds, except for transactions that are flagged for sanctions or fraud reasons.

  • We recommend that you receive on both FedNow and RTP. For Send, you’ll need to base your decision on a strategy that prioritizes accountholders first, that lets risk and compliance set the pace and thinks beyond the digital platform.

  • If you do not have a Fed Master Account, you may participate in the RTP network by engaging the service of a funding agent. By the same token, you can participate in the FedNow Service with settlement occurring in a correspondent financial institution’s Fed Master Account. Both banker's banks and corporate credit unions provide funding agent and correspondent services.

     

  • If you have customers or members who have used the Zelle Common Mobile App (Zelle CMA), you will need to update your digital banking platform to offer the same or similar P2P services.  Jack Henry offers two options: open-loop P2P from Payrailz® Pay a Person and Zelle Network.

get started

 Learn how Jack Henry can help you meet the demand for faster payments. 

Request a Demo