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  5. Use cases

Use cases

What could Canada’s Real-Time Rail do for your organization?

Discover the possibilities.

Professional conducting a workshop

Earned wage access

Companies can pay workers their earnings immediately upon completion of work.

Learn more
Shop owner smiling

Merchant settlement

Retailers, restaurants and other businesses can receive funds immediately from a customer purchase.

Learn more
Professional in bright office setting

Supplier payments

Suppliers and vendors can receive payment from businesses in real time.

Learn more
Person at home smiling at computer

Me-to-me transfer

Individuals can transfer funds between their accounts at different participating financial providers in real time.

Learn more
Young adult in a casual setting

Instant payments

Funds can transfer instantly and be immediately available, enabling instant loan funding and rent payments.

Learn more
Group of professionals in a board room setting

Government disbursements

Governments can immediately distribute benefits, rebates or refunds to individuals.

Learn more
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  • Systems & services
    • Payment systems
      • Real-Time Rail payment system
      • Retail batch payment system
      • High-value payment system - Lynx
      • Payments Canada fees
      • System closure schedule
    • Payment services
      • Payment file validation service
      • Message validation service
      • Financial institutions file
      • Corporate creditor identification number database
      • APIs
    • Rules & documentation
  • Payment resources
    • Directories
    • Support guides
      • Consumer guides
      • Business guides
      • Financial institution guides
      • Cheque printer guide
    • ISO 20022
      • Automatic funds transfer
      • High-value payment system - Lynx
      • Real-Time Rail payment system
    • Glossary
    • Education
  • Insights
    • News & research
    • Corporate reports
    • Modernization
  • Connect
    • Careers
    • Annual conference
    • Events
    • Membership
      • Payment service provider participation
    • Contact
  • About
    • Who we are
    • Our members & stakeholders
      • Members
      • Stakeholders
    • Our leadership
    • Governance & risk
      • Board of directors
      • Legislation & by-laws
      • Risk management
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