Realtime

Access real-time payment rails from
The Clearing House and Federal Reserve.

Instant, transparent, available 24/7/365.

Why Realtime

Best of both worlds

Realtime is faster than Wire, configurable like ACH.

Faster than Wire, and more affordable, too.

Send or request funds. Realtime does both.

API request to settlement in under a second.

Settle any time, any day. What Bank holiday?

Why Column

Fed at the speed of Now

With a direct connection to the Federal Reserve, Column offers the full potential of FedNow's capabilities.

Create a Realtime transfer

curl 'https://api.column.com/transfers/realtime' \
    -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d counterparty_id=cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d bank_account_id=bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d amount=2241 \
    -d currency_code=USD \
    -d description="Lunch"

Programmatically send and request Realtime transfers with one API call.

Funds are transferred in real-time to any Realtime enabled bank account.

Transmit and receive payments at the speed of real-time via our APIs.

Use Cases

Game changing possibilities

Endless opportunity to improve the payments experience.

Accounts Payable

Immediately pay invoices to avoid penalties, or pay last minute to manage working capital.

Accounts Receivable

Request instant payment for services with no risk of returns.

Reimbursements

Pay your employees in real time or facilitate other non-recurring disbursements.

Digital Wallets

Fund in and cash out of virtual wallets instantly.

Cash Management

Treasury management done right. Move your money when you need to. Instantly.

P2P Payments

Instantly send and receive money across banks to friends, family, and acquaintances.

Infrastructure products built for
developers in the lightest format possible

ACH

Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.

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Wire

Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

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Book Transfers

When you own both accounts at Column, transfers are real-time every second of the day.

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Ledger

Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

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Bank Accounts

Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.

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Card Programs

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

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Checks

Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.

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Realtime

New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

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International Wires

Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

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Lending products for companies to scale lending programs faster and cheaper

Loan Origination

Build a modern national lending program in partnership with Column.

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Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

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Loan Purchase

Programmatically sell the loans you originate to Column.

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