- Convenience: Instant payments offer a seamless and fast payment experience. You get notified immediately that the funds are available in your account while SouthState sends an immediate receipt, so the sender knows the funds were received.
- Reduced Risk: Instant payments are sent over the most secure payment networks and cannot be recalled or cancelled.
- Immediate Access to Funds: Enhance liquidity with instant payment receipt.
- Improved Cash Flow Management: Predict and manage cash flow more effectively.
- Data Forward: Instant Payments are data rich and can contain more data than any other payment types. That means that over time, your payments can contain detailed payments and remittance data such as receipts, invoices, purchase information and agreements. Instant payments adhere to the global ISO 20022 standard making data integration to enterprise and accounting systems easier than it’s ever been.
- Operational Efficiency: Streamline payment processes and reduce administrative tasks.
- Scalability: Easily accommodate increasing transaction volumes.

Instant Payments
Receive Payments Instantly
Our instant payments solutions empower your business with speed, security, and reliability through the RTP® and FedNow® networks.
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What is an Instant Payment?
An instant payment, or sometimes referred to as a “faster payment” or a “real-time payment,” is a modern way to send and receive funds over one of two instant payment networks. SouthState is connected to both the Clearing House’s Real-Time Payments (RTP) network and the Federal Reserve’s FedNow network.
This means that your business has the widest possible coverage to receive payments 24-hours a day, seven days a week and 365 days per year.1 No longer do you have to worry about weekends or hours of operation.
This means that your business has the widest possible coverage to receive payments 24-hours a day, seven days a week and 365 days per year.1 No longer do you have to worry about weekends or hours of operation.

Advantages of Instant Payments
Advantages of Instant Payments
Protecting Your Business - Traditional Paper Check
A check places your name, address, account number and signature out to the public. Checks can be taken and manipulated by bad actors. In comparison, an instant payment travels between two banks fully encrypted, over a secure network. Your personal information is hidden from outsiders.
Regain Control
With instant payments, businesses no longer lose control of the payment in the mail and wonder if it is received. Instant Payment senders knows within 15 seconds if the payment was sent and received. The receiver no longer must worry about when a check will be delivered and if or when the funds will be available.Instant payments enable more security and less friction for your business making for a better experience for your customers, vendors and employees.
Use Cases
Use Cases

Impounding Funds for Funding Payroll
Allow your Small Business to send you immediate available and final settlement funds to cover their payroll.

Vendor Payments and Funds Disbursement
If you are concerned about making a payment before goods are received, you can immediately make payment once your goods are verified. Also, insurance companies, merchants, etc. can leverage Instant Payments to immediately disburse claim funds or merchants disburse refunds or unload your digital wallets.

Pushed Wages
Once SouthState has implemented Send on the network(s), you will be able to push funds immediately to employees.
Instant Payment Benefits
Instant Payment Benefits

Stay Tuned

Stay Tuned
Stay tuned for our upcoming enhancement that will allow you to send payments instantly, providing even more flexibility and convenience for your business transactions.
Sign up below to stay informed.

Faster Payments, Better Business: The Benefits of Instant Payments
Learn from Judson McAdams about how Instant Payments are impacting business, with faster payment options, improved cash flow, and peace of mind.
Instant Payments Webinar: Leveraging Speed, Data, and Security
In partnership with Strategic Treasurer, SouthState was recently featured in a webinar regarding one of the newest payment methods in the financial industry known as Instant Payments. Mark Robertson, Director of Corporate Financial Services at SouthState, discussed the details pertaining to this state-of-the art payment technology.
Important Legal Disclosures and Information
- Please note, while funds received at or after 9:00 p.m. EST, will be available to you for your use, the Bank will not use these funds to pay transactions presented for payment that day prior to 9:00 p.m. EST.