Carlos Pineda

ACH vs. Real-Time Payments vs. OCT/AFT: What’s the Difference? The #Payments ecosystem offers various methods for moving money. Let’s compare three critical systems and their unique advantages: 1️⃣ ACH Transfers: Speed: Typically processed in batches, taking 1-3 business days (or same-day for Same Day ACH). Cost: Low fees make it great for payroll, bill payments, and recurring transactions. Use Case: Ideal for everyday transfers like direct deposits and business-to-business payments. 2️⃣ Real-Time Payments (RTP): Speed: Instantaneous—funds are moved and settled in seconds, 24/7. Cost: Generally higher than ACH but lower than wire transfers. Use Case: Perfect for urgent, high-priority payments like real estate transactions or account-to-account transfers. 3️⃣ OCT (Original Credit Transactions) and AFT (Account Funding Transactions): Speed: Near-instant transfers initiated via payment networks like Visa Direct or Mastercard Send. Cost: Typically higher due to network fees but offer incredible speed and reach. Use Case: Great for payouts like refunds, gig economy payments, and instant cash disbursements. Understanding when to use ACH, RTP, or OCT/AFT can make all the difference in optimizing costs and efficiency in your payment strategy. 🎓 Want to master the nuances of these payment methods? 👉 Get FREE access to our Intro to Payments course at the Payments Academy and learn how these systems power the modern payments industry. Sign up now: https://lnkd.in/eMP95gJa #ACH #RealTimePayments #OCT #AFT #FinTech #DigitalPayments #PaymentsAcademy #ProfessionalDevelopment

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ACH vs. Real-Time Payments vs. OCT/AFT: What’s the Difference? The #Payments ecosystem offers various methods for moving money. Let’s compare three critical systems and their unique advantages: 1️⃣ ACH Transfers: Speed: Typically processed in batches, taking 1-3 business days (or same-day for Same Day ACH). Cost: Low fees make it great for payroll, bill payments, and recurring transactions. Use Case: Ideal for everyday transfers like direct deposits and business-to-business payments. 2️⃣ Real-Time Payments (RTP): Speed: Instantaneous—funds are moved and settled in seconds, 24/7. Cost: Generally higher than ACH but lower than wire transfers. Use Case: Perfect for urgent, high-priority payments like real estate transactions or account-to-account transfers. 3️⃣ OCT (Original Credit Transactions) and AFT (Account Funding Transactions): Speed: Near-instant transfers initiated via payment networks like Visa Direct or Mastercard Send. Cost: Typically higher due to network fees but offer incredible speed and reach. Use Case: Great for payouts like refunds, gig economy payments, and instant cash disbursements. Understanding when to use ACH, RTP, or OCT/AFT can make all the difference in optimizing costs and efficiency in your payment strategy. 🎓 Want to master the nuances of these payment methods? 👉 Get FREE access to our Intro to Payments course at the Payments Academy and learn how these systems power the modern payments industry. Sign up now: https://lnkd.in/eMP95gJa #ACH #RealTimePayments #OCT #AFT #FinTech #DigitalPayments #PaymentsAcademy #ProfessionalDevelopment

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How does balance-checked ACH get your merchants paid faster? Balance-check queries the end user’s bank balance to make sure they have enough funds for the payment. If the end user doesn’t have enough funds to make the payment, we immediately decline the payment. This significantly reduces the likelihood of returns due to insufficient funds. Since insufficient funds is one of the most common causes of ACH returns, the overall risk of ACH returns goes down as well. With less risk, we can enable merchants on qualified platforms to get their money faster. Learn more 👉 https://lnkd.in/gb-4BzZ6

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Local payments aren’t a checkbox—they’re how you win in high‑growth markets. Our COO, Carlos Menendez, breaks down how we turn emerging‑market complexity into real merchant outcomes with true on‑the‑ground execution. With One dLocal—one contract, one API, one platform—enterprises plug into 900+ local payment methods across 40+ markets, so adding countries and methods becomes configuration, not reintegration. Headed to Money20/20 USA in Las Vegas? Let’s talk approval rates, stable settlement, and scaling without the operational drag. Tank you, FF News | Fintech Finance You can watch the full interview on  https://lnkd.in/ebyaha7m #dLocal #LocalPayments #PayLocalGrowGlobal #APIs #EmbeddedFinance #EmergingMarkets #Money2020USA

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Naoris Protocol Announces Upcoming TGE for $NAORIS “At Naoris, we firmly believe that blockchains cannot retrofit their way to post-quantum security, they must be built into the infrastructure from the ground up,” said Naoris CEO and Founder David Joao Vieira Carvalho. “Our TGE helps us move closer to delivering the next standard in cyber-resilient infrastructure,ensuring global systems remain secure in the post-quantum era.” https://lnkd.in/ez3f5mss Monika Oravkova Monica Oravcova Youssef El Maddarsi Guy Davies Jakub Darczuk Lucas Bonnard #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews

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AppTech Payments Corp. announces the acquisition of Infinituspay Inc AppTech Payments Corp. announced it has acquired InfinitusPay, a move that strengthens its Banking-as-a-Service (BaaS) platform and supports its focus on scalable revenue growth. “This acquisition marks a pivotal step toward shaping the future of payments,” said Thomas DeRosa, CEO of AppTech. “InfinitusPay’s technology and team accelerate our ability to deliver intelligent, embedded financial solutions and expand our reach across digital commerce.” Alan Carr, CEO of InfinitusPay and newly appointed Chief Product Officer at AppTech, said both teams share a focus on innovation, efficiency, and revenue generation. Source/More info: https://lnkd.in/eraZucxq This and more updates in the newsletter. Sign up here: https://lnkd.in/gNimrjeR Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ] Anything to add about this subject? [𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁] Nice story. Next! [ 𝗹𝗶𝗸𝗲 ]

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