Easy Implementation
idebit eliminates FedNow complexity. Our compliant API framework lets banks deploy instant payments in weeks, not months—without custom development or middleware.
Nationally Recognized FedNow Innovation
More than 3,000,000 accounts
First in the US to SEND FedNow Message as Additional Sender
'Send and Receive' and 'Request For Payment'
idebit eliminates FedNow complexity. Our compliant API framework lets banks deploy instant payments in weeks, not months—without custom development or middleware.
Stop worrying about FedNow file errors. Our system automatically detects and fixes common formatting issues, ensuring your FedNow payments are processed without delay.
Get insights your way. Export transaction data in CSV, JSON or OFX formats to match your internal accounting and ERP systems.
Source: "Instant Payments Adoption Outlook: Quantitative Survey of U.S. Financial Institution Enablers, 2024." U.S. Faster Payments Council.
Connect your core banking systems with our secure API gateway. Our platform supports standard ACH and CSV formats as well as modern JSON APIs, making integration straightforward for your technical team — whether you’re a bank, fintech processor, or enterprise platform.
Figure: IMF Global Financial Stability Report (April 2024, Chapter 3 “Cyber Risk”)
Financial institutions trust idebit for secure, real-time payment processing. Our platform enforces multi-factor authentication with TOTP-based two-factor verification, encrypted API credentials, and strict role-based access control—the same standards required by federal regulators.
Our security includes CSRF protection, security headers via Helmet (Content Security Policy, XSS protection, clickjacking prevention), and session-bound authentication tokens. With verification codes locked to 30-second windows and transactions completing in under 0.6 seconds, the attack surface for bad actors is virtually eliminated.
Every action is logged, auditable, and compliant. Admin approval workflows ensure no unauthorized access, while real-time transaction reporting gives you complete visibility into your payment activity.
Whether you're a community bank, payroll provider, or enterprise platform—idebit delivers the security posture your compliance team demands.
Implement FedNow® with your existing ACH and core systems.
Add instant payments next to your current ACH and card rails.
Offer instant payouts to employees, contractors, and customers.
Get a 30‑minute consultation to explore implementation options, fraud controls, and FedNow integration scenarios.