# Use cases



 



## Use cases

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



 



 



 

 

## Discover the possibilities.



 [ ![Professional conducting a workshop](/sites/default/files/styles/card_image_small/public/2026-09/Metome.png?h=0f16681b&itok=CKi2cdN4)

### Earned wage access



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



Learn more

 ](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/earned-wage-access)

 [ ![Shop owner smiling](/sites/default/files/styles/card_image_small/public/2026-09/SupplierPayments.png?h=a2ab7d5c&itok=Ey6vXEw4)

### Merchant settlement



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



Learn more

 ](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/merchant-settlement)

 [ ![Professional in bright office setting](/sites/default/files/styles/card_image_small/public/2026-09/Education7.png?h=730ba37f&itok=RmTNRZU5)

### Supplier payments



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



Learn more

 ](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/supplier-payments)

 [ ![Person at home smiling at computer](/sites/default/files/styles/card_image_small/public/2026-09/InstantPayments3.png?h=c416d7de&itok=ktYRN4QG)

### Me-to-me transfer



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



Learn more

 ](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/me-me-transfer)

 [ ![Young adult in a casual setting](/sites/default/files/styles/card_image_small/public/2026-09/InstantPayments2.png?h=b5cf1db9&itok=mJ6oGe4s)

### Instant payments



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



Learn more

 ](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/instant-payments)

 [ ![Group of professionals in a board room setting](/sites/default/files/styles/card_image_small/public/2026-09/EarnedWageAccess2.png?h=8a0e1746&itok=3giN5UUn)

### Government disbursements



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



Learn more

 ](https://www.payments.ca/systems-services/payment-systems/real-time-rail-payment-system/use-cases/government-disbursements)

 



 

 

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