RTA – Durbin-Compliant U.S. Debit Network for the 21st Century

Cross-Border Fees

SKU

Level Purchase Data

2 week

Certification Process

The existing payment rails haven’t kept up.
We’re changing that.

The newest mainstream U.S. debit network dates back to the mid‑1990s. Since then, layers of technical debt and business complexity have built up around card payments, which impacts fees, reconciliation, fraud management, and settlement speed. RTA keeps the checkout experience familiar for cardholders while giving issuers, processors, and merchants radically more flexibility.

Straightforward, clearly communicated fees

Our network is designed to work for everyone, not just the largest players. Pricing is simple and transparent, helping issuers and merchants understand the true cost of acceptance, compare routing options confidently, and pass savings onto cardholders.

Multiple settlement options 

RTA supports multiple settlement models including traditional fiat settlement, and innovative daily settlement that uses onchain technologies to shorten settlement cycles, reduce capital requirements, and improve liquidity management.

Enriched data for reconciliation and fraud

Traditional networks provide minimal data about the actual payment. We provide item-level purchase data so more transactions are approved, and fraud detection and dispute resolution are improved.

Network‑level rewards  marketplace

Instead of each issuer or merchant negotiating separate rewards deals, we are building a network‑level, plug-and-play rewards marketplace available to all participants for more efficient, scalable rewards without individual broker contracts.

Built for bold innovators

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Issuers

Banks, credit unions, and fintech issuers can add RTA as an unaffiliated U.S. debit network on their BINs to: 

Meet dual‑network requirements compliantly
Access straightforward, transparent fees and competitive economics
Improve authorization approval rates and reduce fraud and chargeback losses

Processors & Acquirers

Processors, acquirers, Payfacs, and gateways can route card‑present and card‑not‑present debit card transactions over our network to:

Offer merchants true routing choice and cost control
Plug into simple, predictable network fees
Differentiate with modern data, observability, and SLAs

Enterprise Merchants

Enterprise merchants, including those accepting FSA/HSA and overseeing high-volume B2B payments, can:

Benefit from clear and competitive costs and related controls
Use existing processor connections to enable routing to our network
Benefit from faster reconciliation and more detailed data on every transaction

A streamlined certification process

Activation

Share details about your programs and volumes so we can confirm scope and identify key points of contact.

Onboarding Support

Our team walks you through network details and grants you access to documentation, test environments, and example use cases.

Documentation Review

Your technical and compliance teams review network specifications, operating rules, and participation requirements.

Compliance & Integration Testing

You run a focused set of test cases covering authorization, clearing and settlement files, and basic exception handling, as well as stress test security controls.