Deliver safe, secure, and immediate payments for your members.

Offer instant payment capabilities to your members with Open Payment Network (OPN), the #1 ranked overall instant payment network. Your members can send and receive instant payments without limitations of time or network.

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Introducing OPN.

Meet the latest (and greatest) in instant payments: OPN. Your credit union is already involved in payments today, and with OPN, you can now offer your members instant payments. Instant payments via OPN include two pathways: FedNow via the Federal Reserve and the RTP Network via The Clearing House.

Value-Added Features

OPN: Adding Value to Instant Payments with the following offerings:


Fraud Controls

Fraud Controls

Controls based on cumulative value and velocity parameters so OPN learns based on historical activity to detect fraud.

Extended Remittance

Extended Remittance

Rich Data Format (RDF) supporting large amounts of structured and unstructured data for each transaction.

API Workflow

API with Workflow

Communication protocols for accessing information and transactional processing.

Directory Service

Directory Service

Alias-based payment support and use cases such as peer-to-peer payments.

Enhanced Reporting

Enhanced Reporting

Tools to support expanded data analytics and reporting for users.

24/7/365 Availability

24/7/365 Availability

Identify payees, such as recipients and beneficiaries, before sending payment to avoid transfer errors.

What can you expect with OPN?

RTP Certification

Redundant data centers are in active-active mode to ensure 24/7 uptime, 180 ISO 20022 Message tests, implementing IBM MQ servers, receiving and storing reconciliation files, and upgrades to new versions, e.g., 2.9 to 3.0.

FedNow Certification

24/7 uptime, security and encryption, 30 plus ISO message types with over 100 tests for certification, fraud control adherence, message signing, and key exchange.

Interoperability

The technology to do intelligent routing, reporting, reconciliation, etc., to efficiently exchange and make use of information.

What to expect with OPN

Ready to learn more?

Then we're ready to demo OPN, instant payments, and Sharetec Velocity & Sharetec On-the-Go!

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