The Real-Time Rail

Canada's fastest payment system

The Real-Time Rail is Canada’s first real-time payment system that supports instant, data-rich payments

Real-time payments will transform Canada’s economy, giving businesses and consumers more transparency and access to their payments any day, any time. The Real-Time Rail will enable this transformation while ensuring transactions are safe and secure.

A smarter way to pay and get paid, instantly

Find out how Canada's Real-Time Rail payment system gives you more control over your finances and allows Canadian business to compete more effectively and efficiently.


The development of new payment systems like the Real-Time Rail demonstrate Payments Canada’s commitment to its legislated mandate to establish and operate national systems for the clearing and settlement of payments and facilitate the development of new, safe and secure payment methods and technologies.  

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