Real-Time Rail — Consumers


The Real-Time Rail gives Canadians more predictability and control over their money.

 Pay and get paid in real-time

The Real-Time Rail allows Canadians to access more instant payment options, eliminating the  time waiting for payments to settle — avoiding inconveniences like potential late fees. The result is convenient, flexible and secure payment experiences.

Know more with more data

With more data, real-time payments enable bank statements to have more details, giving consumers more insight to how they spend their money

A secure way to pay 

Because payments are sent, cleared and settled in seconds, consumers and vendors will know their funds have been deposited securely with no risk of cancelation

Predict and plan with certainty 

Being able to send and receive a payment instantly allows consumers to avoid potential late fees and better predict when they will get paid