We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.
We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.
We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.
We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.
Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption
We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.
Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Competing for business accountholders in today's environment requires a whole new strategy.
Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.
Effectively managing enterprise risk has become more complex and challenging than ever.
Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?
Future of Digital Banking
Read MoreFintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy
Read MoreSuccess Has a Low Efficiency Ratio
Read MoreInformation Security and Risk Management: Trends and Threats
Read MoreAll-Digital Lending Capabilities | Multiple Loan Types
Read MoreMeet Jack Henry Financial Crimes Defender
Read MoreThe Really Big Small Business Opportunity
Read More6 Tips for How to Improve the Customer & Member Experience (CX)
Read More7 Things to Improve Your Accountholders' Financial Health
Read MoreOur advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
People are at the center of everything we do – and it starts with our associates.
Meet Jack Henry's Leadership Team
We are always looking for talented professionals to join our team. Explore open opportunities.
Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.
Our Purpose and Mission
Find everything you may need to support your financial institution.
Get more accountholders using your solutions with free, ready-to-use materials that make maximizing your technology investments easy.
Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.
Drive More Engagement with the Jack Henry Marketing Center™
We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.
We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.
We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.
We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.
We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.
Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption
We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.
Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.
Competing for business accountholders in today's environment requires a whole new strategy.
Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.
There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.
Effectively managing enterprise risk has become more complex and challenging than ever.
Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.
Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?
Our advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.
People are at the center of everything we do – and it starts with our associates.
Meet Jack Henry's Leadership Team
We are always looking for talented professionals to join our team. Explore open opportunities.
Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.
We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.
Our Purpose and Mission
Find everything you may need to support your financial institution.
Get more accountholders using your solutions with free, ready-to-use materials that make maximizing your technology investments easy.
Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.
Drive More Engagement with the Jack Henry Marketing Center™
Future of Digital Banking
Read MoreFintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy
Read MoreInformation Security and Risk Management: Trends and Threats
Read MoreAll-Digital Lending Capabilities | Multiple Loan Types
Read MoreMeet Jack Henry Financial Crimes Defender
Read MoreThe Really Big Small Business Opportunity
Read More6 Tips for How to Improve the Customer & Member Experience (CX)
Read More7 Things to Improve Your Accountholders' Financial Health
Read MoreWith JHA PayCenter, you choose the mix of Send and Receive on FedNow and RTP that meets the needs of your targeted use cases.
Meet customers’ and members’ demand for faster person-to-person payments – while driving deposits – with the Zelle® Network and Payrailz® Pay a Person™.
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.
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.
In Q1 2025, more than 1.3 million transactions were settled on FedNow, representing a 43% increase over the prior quarter.
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.
P2P payment transactions in the U.S. are expected to account for $1.8 trillion in 2025.
Differentiate your organization by connecting other tools – from Jack Henry or in combination with third parties.
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.
Who We Serve
What We Offer
Who We Are