The Real-Time Payments Extension transforms how organizations execute and manage immediate fund transfers. Rather than managing payments through batch cycles that delay settlement and obscure cash positions until end-of-day, this extension delivers instant execution, immediate confirmation, and continuous liquidity visibility the moment transactions initiate. Organizations gain complete clarity on settlement status, funds availability, and cash positioning without manual tracking or delayed bank reporting. The ability to move funds instantly, rather than waiting for traditional settlement windows, eliminates the inefficiencies that create liquidity buffers, delayed supplier payments, and reconciliation lags.

Payment management becomes a dynamic discipline rather than a scheduled batch process. Treasury teams move from managing cut-off times and settlement delays toward continuously executing instant transfers that settle in seconds, liquidity management improves because funds are available immediately rather than trapped in clearing cycles, and operational efficiency shifts from chasing confirmations to managing exceptions. This is possible because real-time payment data no longer waits for end-of-day files or batch processing runs. Instead, every instant transfer, every immediate confirmation, and every settlement event flow into a unified payment intelligence layer the moment they occur, providing teams with the real-time visibility needed to optimize working capital and execute payments with precision.