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https://fasterpaymentscouncil.org/FPC-Blog

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15<meta name="description" content=" Guided by principles of fairness, inclusiveness, flexibility and transparency, the FPC will use collaborative, problem-solving approaches to resolve the issues that are inhibiting broad faster payments adoption in this country.">
16<meta property="og:title" content="FPC Blog">
17<meta property="og:description" content=" Guided by principles of fairness, inclusiveness, flexibility and transparency, the FPC will use collaborative, problem-solving approaches to resolve the issues that are inhibiting broad faster payments adoption in this country.">
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24<meta name="twitter:description" content=" Guided by principles of fairness, inclusiveness, flexibility and transparency, the FPC will use collaborative, problem-solving approaches to resolve the issues that are inhibiting broad faster payments adoption in this country.">
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544		/* Back button on forgot screen */
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570		/* Ripple */
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579		@keyframes loginRipple { to { transform: scale(4); opacity: 0; } }
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581		.modal-backdrop { background: rgba(5,5,10,0.75); }
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583	</style>
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588			/* auth spinner: PBKDF2 verify adds ~1-2s to each login step (incident 2026-09-10) */
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595			}
596			$(document).ajaxSend(function(e, xhr, opts){ var d = opts.data || ''; if(/func=checkPWSecurity/.test(d) || /method=loginCheck_a/.test(opts.url||'')) omniaLoginLoading(true); });
597			$(document).ajaxComplete(function(e, xhr, opts){ var d = opts.data || ''; var cp = /func=checkPWSecurity/.test(d); var lc = /method=loginCheck_a/.test(opts.url||''); if(cp && $.trim(xhr.responseText) === 'success') return; if(cp || lc) omniaLoginLoading(false); });
598			// ── Login submit (button + Enter key) ──────────────────────────────
599			var loginPending = false;
600			function doLogin(){
601				if(loginPending) return;
602				loginPending = true;
603				var data = $('#loginForm').serialize() + "&func=checkPWSecurity";
604				$.post("/ajax/generic_functions.cfm", data, function(response){
605					loginPending = false;
606					if($.trim(response) == 'success'){
607						var data = $("#loginForm").serialize();
608						$.post("/com/security.cfc?method=loginCheck_a", data, function(response){
609							if($.trim(response) == "success"){
610								parent.window.location.href = "/secure/";
611							} else if($.trim(response).substr(0,8) == "redirect"){
612								parent.window.location.href = $.trim(response).substring(9, response.length);
613							} else {
614								if(~response.indexOf("credentials")){ $('#forceLogin').val('1'); }
615								$('#loginAlert').html('<p class="mb-2 text-white">' + response + '</p>');
616							}
617						}, "html");
618					} else if(~$.trim(response).indexOf("checkauth")){
619						$('.auth-item').remove();
620						$('#loginAlert').html('<p class="mb-2 text-white">A 6-digit code has been sent to your email.</p><div class="alert">Please add <strong style="color:#f87171;">[email protected]</strong> to your safe sender list if you are still not receiving the code.</div>');
621						$('.login-username-field, .login-pw-field').hide();
622						// Auth code input
623						$('#omniaMgmtLoginModal .modal-body').append('<div class="auth-field auth-item"><label style="display:block;font-size:11px;font-weight:500;color:#888;letter-spacing:0.07em;text-transform:uppercase;margin-bottom:8px;">Verification Code</label><input type="text" name="verification" id="verification" maxlength="6" placeholder="Enter 6-digit code" autocomplete="off" form="loginForm"></div>');
624						if($.trim(response) == "checkauthwithphone"){
625							$('#omniaMgmtLoginModal .modal-body').append('<div class="auth-item" style="margin-bottom:8px;font-size:12px;color:#666;text-align:center;">Not receiving the email?</div><button type="button" id="sendSMS" class="btn-sms auth-item">Send Code Via Text</button>');
626						} else {
627							$('#omniaMgmtLoginModal .modal-body').append('<div class="auth-item" style="margin-bottom:4px;"><div class="alert text-center">Not receiving the email? Contact us at <strong style="color:#f87171;"><a href="mailto:[email protected]">[email protected]</a></strong> to add a phone number for text verification.</div></div>');
628						}
629					} else if($.trim(response) == 'not verified'){
630						$('#loginAlert').html('<p class="mb-2 text-white">The authorization code is incorrect. If you continue to have issues, refresh and try again.</p>');
631						setTimeout(function(){ $('#omniaMgmtLoginModal').modal('hide'); }, 2000);
632					} else if($.trim(response) == 'no match'){
633						$('#loginAlert').html('<p class="mb-2 text-white">No user matches these credentials.</p>');
634					} else {
635						$.post("/ajax/generic_functions.cfm", { func: "getEmailForPasswordReset", username: $('#userName').val() }, function(response){
636							$.post("/ajax/generic_functions.cfm", { func: "createResetPasswordEmail", username: $('#userName').val() }, function(){}, "html");
637							$('#loginAlert').html('<p class="mb-2 text-white">Your password is not secure. You will receive an email at <strong>' + response + '</strong> momentarily to reset it.</p>');
638						}, "html");
639					}
640				}, "html");
641			}
642
643			$('#loginSubmitted').on('click', function(e){
644				// Ripple effect
645				var btn = this, circle = document.createElement('span');
646				var d = Math.max(btn.clientWidth, btn.clientHeight), r = d/2;
647				var rect = btn.getBoundingClientRect();
648				circle.style.cssText = 'width:'+d+'px;height:'+d+'px;left:'+(e.clientX-rect.left-r)+'px;top:'+(e.clientY-rect.top-r)+'px';
649				circle.className = 'ripple';
650				$(btn).find('.ripple').remove();
651				btn.appendChild(circle);
652				doLogin();
653			});
654
655			$(document).keydown(function(e){
656          setTimezoneCookie();
657          if(e.keyCode === 13 && $('#loginscreen').is(':visible')){
658              // If the verification field exists and is visible, still call doLogin
659              // (it will serialize the verification value too since it has form="loginForm")
660              doLogin();
661          }
662          if(e.keyCode === 13 && $('#forgotpassscreen').is(':visible')){ doForgot(); }
663      });
664
665			// ── SMS ──────────────────────────────────────────────────────────────
666			$(document).on('click', '#sendSMS', function(){
667          var $btn = $(this);
668          $btn.prop('disabled', true);
669          $.post("/ajax/generic_functions.cfm", { func: "sendSMSAuth", username: $('#userName').val(), password: $('#password').val() }, function(){
670              $btn.html('<i class="fas fa-check" style="margin-right:6px;"></i>Code Sent!');
671              $btn.css({
672                  'background': 'rgba(34,197,94,0.15)',
673                  'border-color': 'rgba(34,197,94,0.4)',
674                  'color': '#22c55e'
675              });
676          }, "html");
677      });
678
679			// ── Forgot password ──────────────────────────────────────────────────
680			$('.forgotUorP').on('click', function(){
681				$('#loginscreen').hide();
682				$('#forgotpassscreen').show();
683				$('#loginAlert').html('');
684			});
685
686			$('.btn-back-login').on('click', function(){
687				$('#forgotpassscreen').hide();
688				$('#loginscreen').show();
689			});
690      
691      $('#omniaMgmtLoginModal').on('hidden.bs.modal', function(){
692            location.reload();
693        });
694
695			function doForgot(){
696				var data = $("#forgotPassForm").serialize();
697				$.post("/com/security.cfc?method=forgotPass", data, function(response){
698					$('#loginAlert').html(response);
699					$('#forgotpassscreen').hide();
700					$('#loginscreen').show();
701				}, "html");
702			}
703
704			$("#forgotPassForm").submit(function(e){ e.preventDefault(); doForgot(); });
705			$('#submitRetrievePassword').on('click', doForgot);
706		});
707
708		function setTimezoneCookie(){
709			var timezone = jstz.determine();
710			timezone = timezone.name();
711			$.post("/ajax/generic_functions.cfm", { func: "setTimeZoneCookie", timezone: timezone }, function(){}, "html");
712		}
713
714		function loginTogglePW(inputId, btn){
715			var input = document.getElementById(inputId);
716			var isPassword = input.type === 'password';
717			input.type = isPassword ? 'text' : 'password';
718			var svg = btn.querySelector('svg');
719			svg.innerHTML = isPassword
720				? '<path d="M17.94 17.94A10.07 10.07 0 0 1 12 20c-7 0-11-8-11-8a18.45 18.45 0 0 1 5.06-5.94M9.9 4.24A9.12 9.12 0 0 1 12 4c7 0 11 8 11 8a18.5 18.5 0 0 1-2.16 3.19m-6.72-1.07a3 3 0 1 1-4.24-4.24"/><line x1="1" y1="1" x2="23" y2="23"/>'
721				: '<path d="M1 12s4-8 11-8 11 8 11 8-4 8-11 8-11-8-11-8z"/><circle cx="12" cy="12" r="3"/>';
722		}
723	</script>
723<script type="application/ld+json">
724          {
725            "@context": "https://schema.org",
726            "@type": "LocalBusiness",
727            "name": "Faster Payments Council",
728            "url": "https://fasterpaymentscouncil.org"
729            ,"logo": "https://fasterpaymentscouncil.org/userfiles/2080/images/FPC_logo_full_color.jpg"
730            ,"image": "https://fasterpaymentscouncil.org/userfiles/2080/images/FPC_logo_full_color.jpg"
731            ,"contactPoint": {
732              "@type": "ContactPoint",
733              "contactType": "customer service"
734              ,"telephone": "720-737-7368"
735              
736              ,"email": "[email protected]"
737            }
738            ,"telephone": "720-737-7368"
739            ,"address": {
740              "@type": "PostalAddress",
741              "addressLocality": "Bentonville",
742              "addressRegion": "AR",
743              "postalCode": "72712",
744              "streetAddress": " 1706 S. Walton Blvd #3345"
745              ,"addressCountry": "United States"
746            }
747            
748            
749            
750            ,"sameAs": [
751              "facebook.com","yelp.com","tripadvisor.com","twitter.com","youtube.com","https://www.linkedin.com/company/us-faster-payments-council/","zillow.com","pinterest.com","instagram.com"
752            ]
753            
754          }
755          </script>
755
756
757         
758         
758<script type="application/ld+json">
759          {
760            "@context": "https://schema.org",
761            "@type": "WebSite",
762            "name": "Faster Payments Council",
763            "url": "https://fasterpaymentscouncil.org"
764            
765          }
766          </script>
766
767
768         
769         
770         
771         
772         
773           
774           
775             
776           
777         
778         
779         
779<script type="application/ld+json">
780          {
781            "@context": "https://schema.org",
782            "@type": "BreadcrumbList",
783            "itemListElement": [
784              
785              {
786                "@type": "ListItem",
787                "position": 1,
788                "name": "Home",
789                "item": "https://fasterpaymentscouncil.org/"
790              }
791              
792              ,{
793                "@type": "ListItem",
794                "position": 2,
795                "name": "News-Events",
796                "item": "https://fasterpaymentscouncil.org/News & Events"
797              }
798              
799              ,{
800                "@type": "ListItem",
801                "position": 3,
802                "name": "FPC-Blog",
803                "item": "https://fasterpaymentscouncil.org/FPC Blog"
804              }
805              
806            ]
807          }
808          </script>
808</head>
809<body>
810<div class="oms-wrapper">
811<div class="modal fade" id="omniaMgmtLoginModal" tabindex="-1" aria-labelledby="omniaMgmtLoginModalLabel" aria-hidden="true" data-keyboard="false">
812<div class="modal-dialog modal-dialog-centered mx-auto">
813<div class="modal-content">
814<button type="button" class="btn-close-modal" data-dismiss="modal" aria-label="Close">&#x2715;</button>
815<div class="modal-header">
816<div class="header-inner">
817<div class="modal-icon">
818<!-- Person / user icon -->
819<svg viewBox="0 0 24 24"><path d="M20 21v-2a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v2"/><circle cx="12" cy="7" r="4"/></svg>
820</div>
821<div class="modal-title" id="omniaMgmtLoginModalLabel">Management Login</div>
822<div class="modal-subtitle">Sign in to access your dashboard.</div>
823</div>
824</div>
825<div class="modal-body">
826<form id="loginForm">
827<input type="hidden" name="s" id="s" value="2080">
828<input type="hidden" name="forceLogin" id="forceLogin" value="0">
829</form>
830<!-- ── Login Screen ───────────────────────────────────────── -->
831<div id="loginscreen">
832<div class="login-field login-username-field">
833<label for="userName">Username</label>
834<div class="login-input-wrap">
835<input type="text" name="userName" id="userName" maxlength="50" placeholder="Enter your username" autocomplete="off" form="loginForm">
836</div>
837</div>
838<div class="login-field login-pw-field">
839<label for="password">Password</label>
840<div class="login-input-wrap">
841<input type="password" name="password" id="password" maxlength="20" placeholder="Enter your password" autocomplete="off" form="loginForm">
842<button type="button" class="login-toggle-pw" onclick="loginTogglePW('password', this)" aria-label="Show password">
843<svg viewBox="0 0 24 24"><path d="M1 12s4-8 11-8 11 8 11 8-4 8-11 8-11-8-11-8z"/><circle cx="12" cy="12" r="3"/></svg>
844</button>
845</div>
846</div>
847<p class="login-note">Passwords are case sensitive</p>
848</div>
849<!-- ── Forgot Password Screen ────────────────────────────── -->
850<div id="forgotpassscreen" style="display:none;">
851<button type="button" class="btn-back-login">
852<svg viewBox="0 0 24 24"><polyline points="15 18 9 12 15 6"/></svg>
853Back to login
854</button>
855<form id="forgotPassForm">
856<input type="hidden" name="s" id="s2" value="2080">
857<div class="login-field">
858<label for="emailField">Email Address</label>
859<div class="login-input-wrap">
860<input type="text" name="emailField" id="emailField" placeholder="Enter your email address" autocomplete="off">
861</div>
862</div>
863</form>
864</div>
865<!-- ── Shared alert area ─────────────────────────────────── -->
866<div id="loginAlert" class="login-alert text-center"></div>
867</div>
868<div class="modal-footer">
869<!-- Login screen buttons -->
870<div id="loginFooterBtns" style="width:100%;display:flex;flex-direction:column;gap:10px;">
871<button type="button" id="loginSubmitted" class="btn-login">
872<i class="fas fa-sign-in-alt" style="margin-right:7px;"></i>Login
873</button>
874<button type="button" class="btn-forgot forgotUorP">Forgot Password?</button>
875</div>
876<!-- Forgot screen button -->
877<div id="forgotFooterBtns" style="width:100%;display:none;">
878<button type="button" id="submitRetrievePassword" class="btn-login">Send Reset Email</button>
879</div>
880</div>
881</div>
882</div>
883</div>
884<script>
885// Toggle footer buttons when switching screens
886$(document).ready(function(){
887$('.forgotUorP').on('click', function(){
888$('#loginFooterBtns').hide();
889$('#forgotFooterBtns').show();
890});
891$('.btn-back-login').on('click', function(){
892$('#loginFooterBtns').show();
893$('#forgotFooterBtns').hide();
894});
895});
896</script>
896
897<header class="omsHeader">
898</header>
899<style data-id="5" type="text/css">
900body {
901padding-top: 0 !important;
902}
903.omsNav {
904top: 0!important;
905}
906.omsNav a,
907.oms-mobile-pre-header a {
908transition: 0.20s all;
909t
910}
911.oms-header {
912width: 100%;
913}
914.oms-header > .container > .mobile-wrapper {
915width: 100%;
916}
917@media(max-width: 991px) {
918.oms-header > .container > .mobile-wrapper {
919display: flex;
920flex-direction: row;
921align-items: center;
922justify-content: space-between;
923}
924}
925@media (min-width: 992px) {
926.oms-header > .container {
927display: flex;
928flex-direction: row;
929align-items: center;
930justify-content: space-between;
931}
932.oms-header > .container > .mobile-wrapper {
933width: auto;
934}
935}
936.oms-desktop-pre-header {
937width: 100%;
938}
939.omsNav .navbar-brand img {
940width: 120px;
941}
942@media (min-width: 992px) {
943.omsNav .navbar-brand img {
944width: 160px;
945padding: 5px 0;
946}
947}
948.omsNav .nav-link {
949font-weight: bold;
950}
951.omsNav .nav.navbar-nav {
952margin: 0 0 0 auto;
953text-align: center;
954align-items: center;
955}
956.omsNav .navbar-nav .nav-link,
957.oms-wrapper .navbar-nav .dropdown-item {
958padding-right: 1rem;
959padding-left: 1rem;
960}
961.oms-wrapper .navbar-nav .nav-link:hover,
962.oms-wrapper .navbar-nav .dropdown-item:hover {
963color: var(--primary);
964}
965.oms-wrapper .nav.navbar-nav .dropdown-menu {
966text-align: left;
967border-top: 3px solid var(--primary-alt);
968}
969@media(min-width: 1200px) {
970.omsNav .navbar-nav .nav-link {
971padding-right: 1rem;
972padding-left: 2.5rem;
973}
974}
975@media (max-width: 991px) {
976.omsNav .nav.navbar-nav {
977margin: 1rem 0 1rem 0;
978align-items: stretch;
979}
980.omsNav .nav.navbar-nav .dropdown-menu {
981text-align: center;
982}
983.oms-mobile-pre-header {
984position: sticky;
985position: -webkit-sticky;
986top: 0;
987z-index: 1020;
988}
989}
990@media(max-width: 767px) {
991.contacts .fas {
992font-size: 1.3rem;
993}
994.nav-link,
995.dropdown-item {
996font-size: 1.1rem;
997}
998}
999.gsc-control-cse {
1000background: transparent;
1001border: 0;
1002padding: 0;
1003}
1004.gsc-search-box {
1005margin-bottom: 0 !important;
1006}</style><nav class="omsNav bg-white navbar-light shadow navbar navbar-expand-lg sticky-top flex-column p-0 hidden-wrap" style="top: 173px;"><div class="oms-desktop-pre-header bg-primary" data-original-title="" title=""><div class="container" data-original-title="" title=""><div class="row align-items-center" data-original-title="" title=""><div class="col-6 contacts d-flex align-items-center" data-original-title="" title=""><a class="mr-3 text-white social-linkedin" data-original-title="" data-cke-saved-href="https://www.linkedin.com/company/us-faster-payments-council/" href="https://www.linkedin.com/company/us-faster-payments-council/" style="font-size: 1.4rem;" target="_blank" title=""><i class="fab fa-linkedin"></i></a><a class="pr-3 d-inline-block text-white" data-original-title="" data-cke-saved-href="/contact" href="/contact" title=""><i class="fas fa-envelope"></i><span class="d-none d-md-inline" data-original-title="" title="">&nbsp;&nbsp;Contact Us</span></a></div><div class="col-6" data-original-title="" title=""><div class="d-flex justify-content-end flex-row align-items-center" data-original-title="" title=""><a class="btn btn-sm btn-light text-dark mr-2" data-original-title="" data-target="#mailing" data-toggle="modal" data-cke-saved-href="#" href="#" style="padding: 0px 8px;" title=""><i class="fas fa-envelope mr-1"></i> <span class="d-none d-sm-inline" data-original-title="" title="">Join </span>Mailing List</a> <a class="btn btn-sm btn-light text-dark" data-original-title="" data-cke-saved-href="/members" href="/members" id="member-login" style="padding: 0px 8px; font-weight: normal;" title=""><i class="fas fa-user mr-1"></i> Members<span class="d-none d-sm-inline" data-original-title="" title=""> Area</span> </a></div></div></div></div></div><div class="oms-header" data-original-title="" title=""><div class="container" data-original-title="" title=""><div class="mobile-wrapper" data-original-title="" title=""><a class="navbar-brand py-2" data-original-title="" data-cke-saved-href="/home" href="/home" style="position: relative;" title=""><img alt='Faster Payments Council logo' class='img-fluid' src='/userfiles/2080/images/FPC_logo_full_color.jpg'></a><button aria-controls="omsDefaultNav" aria-expanded="false" aria-label="Toggle navigation" class="navbar-toggler collapsed p-2" data-target="#omsDefaultNav" data-toggle="collapse" type="button"><i class="fas fa-bars fa-1x fa-fw d-flex align-items-center justify-content-center" style="font-size: 1.25rem; width: 25px; height: 23px;"></i></button></div><div class="collapse navbar-collapse" data-original-title="" id="omsDefaultNav" title=""><ul class="nav navbar-nav">
1007<li class="nav-item dropdown"><!--nav-item dropdown class to li---->
1008<a class="nav-link dropdown-toggle" href="javascript: void(0)" aria-haspopup="true" aria-expanded="false" data-toggle="dropdown" data-level="1">About</a>
1009<div class="dropdown-menu">
1010<a class="dropdown-item" href="//fasterpaymentscouncil.org/Overview" data-level="2">Overview</a>
1011<a class="dropdown-item" href="//fasterpaymentscouncil.org/Leadership" data-level="2">Leadership</a>
1012<a class="dropdown-item" href="//fasterpaymentscouncil.org/FPC-ASC-X9-Joint-Standards-Steering-Committee" data-level="2">FPC-X9 Committee</a>
1013<a class="dropdown-item" href="//fasterpaymentscouncil.org/Journey-to-Faster-Payments" data-level="2">Journey to Faster Payments</a>
1014<a class="dropdown-item" href="//fasterpaymentscouncil.org/Common-Questions" data-level="2">Common Questions</a>
1015<a class="dropdown-item" href="//fasterpaymentscouncil.org/Testimonials" data-level="2">Testimonials</a>
1016</div>
1017</li>
1018<li class="nav-item dropdown"><!--nav-item dropdown class to li---->
1019<a class="nav-link dropdown-toggle" href="javascript: void(0)" aria-haspopup="true" aria-expanded="false" data-toggle="dropdown" data-level="1">Education</a>
1020<div class="dropdown-menu">
1021<a class="dropdown-item" href="//fasterpaymentscouncil.org/Value-Engine-Free" data-level="2">Faster Payments Value Engine</a>
1022<a class="dropdown-item" href="//fasterpaymentscouncil.org/Faster-Payments-Professional-Certificate" data-level="2">AFPP: Exam & Details</a>
1023<a class="dropdown-item" href="//fasterpaymentscouncil.org/New-Knowledge-Center" data-level="2">Knowledge Center</a>
1024<a class="dropdown-item" href="//fasterpaymentscouncil.org/Guides-Research" data-level="2">Publications & Resources</a>
1025<a class="dropdown-item" href="//fasterpaymentscouncil.org/Industry-News-Links" data-level="2">Industry News</a>
1026<a class="dropdown-item" href="//fasterpaymentscouncil.org/Industry-Events-Education" data-level="2">Conferences & Training</a>
1027</div>
1028</li>
1029<li class="nav-item dropdown"><!--nav-item dropdown class to li---->
1030<a class="nav-link dropdown-toggle" href="javascript: void(0)" aria-haspopup="true" aria-expanded="false" data-toggle="dropdown" data-level="1">News & Events</a>
1031<div class="dropdown-menu">
1032<a class="dropdown-item" href="//fasterpaymentscouncil.org/FPC-Blog" data-level="2">FPC Blog</a>
1033<a class="dropdown-item" href="//fasterpaymentscouncil.org/FPC-Events" data-level="2">FPC Events</a>
1034<a class="dropdown-item" href="//fasterpaymentscouncil.org/FPC-Media-Center" data-level="2">FPC Media Center</a>
1035<a class="dropdown-item" href="//fasterpaymentscouncil.org/Latest-News" data-level="2">FPC in the News</a>
1036<a class="dropdown-item" href="//fasterpaymentscouncil.org/Podcasts" data-level="2">Off the Rails Podcast</a>
1037<a class="dropdown-item" href="//fasterpaymentscouncil.org/Speaking-Calendar" data-level="2">Speaking Calendar</a>
1038</div>
1039</li>
1040<li class="nav-item dropdown"><!--nav-item dropdown class to li---->
1041<a class="nav-link dropdown-toggle" href="javascript: void(0)" aria-haspopup="true" aria-expanded="false" data-toggle="dropdown" data-level="1">Membership</a>
1042<div class="dropdown-menu">
1043<a class="dropdown-item" href="//fasterpaymentscouncil.org/Members" data-level="2">
1043Member Signup / Login</a>
1044<a class="dropdown-item" href="//fasterpaymentscouncil.org/Why-Join-the-FPC" data-level="2">Why Join the FPC?</a>
1045<a class="dropdown-item" href="//fasterpaymentscouncil.org/Value-of-Membership" data-level="2">Value of Membership</a>
1046<a class="dropdown-item" href="//fasterpaymentscouncil.org/Work-Groups" data-level="2">Work Groups</a>
1047</div>
1048</li>
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1071<p class="text-primary-alt mb-0 d-none d-md-block">The Path To Faster Payments Ubiquity Starts With You</p>
1072<h1 class="text-white"><strong>Faster Payments Council Blog</strong></h1>
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1137<div class="blog-data"> <a href="/blog/18300/FPC-Wrapping-up-the-Summer-with-New-Opportunities-to-Celebrate-Share-and-Learn" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> FPC: Wrapping up the Summer with New Opportunities to Celebrate, Share, and Learn </a>
1138<div class="blog-posted-date mb-2"> Sep 03, 2026 </div>
1139<div class="blog-byline mb-2"> Reed Luhtanen, Executive Director & CEO, FPC </div>
1140<div class="blog-description mb-3">As summer winds down, the FPC is looking ahead to the fall with new opportunities for industry to celebrate the people and organizations advancing faster payments, share their perspectives on faster payments, and learn about emerging technologies sha...</div>
1141</div>
1142</div>
1143</div>
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1150<div class="blog-data"> <a href="/blog/18093/Blockchain-in-U-S-Payments-A-Practitioner-s-Guide-to-the-Rails-the-Risks-and-the-Opportunity-Part-1-" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> Blockchain in U.S. Payments: A Practitioner’s Guide to the Rails, the Risks, and the Opportunity (Part 1) </a>
1151<div class="blog-posted-date mb-2"> Aug 10, 2026 </div>
1152<div class="blog-byline mb-2"> FPC Digital Assets Work Group </div>
1153<div class="blog-description mb-3">Blockchain, tokenized deposits, and stablecoins offer one approach to addressing these liquidity challenges. In parallel, modernized payment infrastru
1153cture and advanced treasury systems in traditional environments can also support real-time liquidity...</div>
1154</div>
1155</div>
1156</div>
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1161</div>
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1163<div class="blog-data"> <a href="/blog/18094/Blockchain-in-U-S-Payments-Architecture-Interoperability-and-the-Path-to-Production-Grade-Deployment-Part-2-" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> Blockchain in U.S. Payments: Architecture, Interoperability, and the Path to Production-Grade Deployment (Part 2) </a>
1164<div class="blog-posted-date mb-2"> Aug 10, 2026 </div>
1165<div class="blog-byline mb-2"> FPC Digital Assets Work Group </div>
1166<div class="blog-description mb-3">This is the second part in a two-part series on blockchain in payments. Part 1 covered instant use cases already delivering operational value. Part 2 focuses on the infrastructure choices that make those use cases possible. The goal is not to turn re...</div>
1167</div>
1168</div>
1169</div>
1170</div>
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1174</div>
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1176<div class="blog-data"> <a href="/blog/18066/FPC-Helping-Organizations-Turn-Faster-Payments-into-Business-Value" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> FPC: Helping Organizations Turn Faster Payments into Business Value </a>
1177<div class="blog-posted-date mb-2"> Aug 06, 2026 </div>
1178<div class="blog-byline mb-2"> Reed Luhtanen, Executive Director & CEO, FPC </div>
1179<div class="blog-description mb-3">As faster payments continue to mature, the conversation is shifting from why organizations should adopt them to how they can maximize their value. Financial institutions and businesses are looking beyond implementation towards return on investment, o...</div>
1180</div>
1181</div>
1182</div>
1183</div>
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1187</div>
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1189<div class="blog-data"> <a href="/blog/17564/FPC-A-Mid-Year-Look-at-the-Momentum-Behind-Faster-Payments" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> FPC: A Mid-Year Look at the Momentum Behind Faster Payments </a>
1190<div class="blog-posted-date mb-2"> Jul 01, 2026 </div>
1191<div class="blog-byline mb-2"> Reed Luhtanen, Executive Director & CEO, FPC </div>
1192<div class="blog-description mb-3">As we reach the midpoint of 2026, one thing is clear: faster payments continue to gain momentum across the U.S. payments ecosystem. What began as a vision for immediate, seamless, secure money movement is increasingly becoming a true everyday realit�...</div>
1193</div>
1194</div>
1195</div>
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1197<div class="col-12 col-md-6 col-lg-4 my-3">
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1202<div class="blog-data"> <a href="/blog/17211/FPC-Supporting-Fraud-Prevention-and-Standards-Through-Collaboration" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> FPC: Supporting Fraud Prevention and Standards Through Collaboration </a>
1203<div class="blog-posted-date mb-2"> Jun 01, 2026 </div>
1204<div class="blog-byline mb-2"> Reed Luhtanen, Executive Director & CEO, FPC </div>
1205<div class="blog-description mb-3">With Memorial Day behind us, and the unofficial start of summer in swing, it also feels like the faster payments industry is entering another season of growth and momentum. Adoption continues to increase, but so does the need for collaboration around...</div>
1206</div>
1207</div>
1208</div>
1209</div>
1210<div class="col-12 col-md-6 col-lg-4 my-3">
1211<div class="blog-item media align-items-stretch flex-column h-100 border rounded shadow" style="overflow: hidden;">
1212<div class="blog-image w-100">
1213</div>
1214<div class="media-body blog-content d-flex flex-column align-items-start justify-content-between p-3">
1215<div class="blog-data"> <a href="/blog/17083/FPC-s-Spring-Conversations-Driving-Faster-Payments-Adoption-and-Long-Term-Growth" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> FPC’s Spring Conversations: Driving Faster Payments Adoption and Long-Term Growth </a>
1216<div class="blog-posted-date mb-2"> May 06, 2026 </div>
1217<div class="blog-byline mb-2"> Reed Luhtanen, Executive Director & CEO, FPC </div>
1218<div class="blog-description mb-3">As the industry’s organization dedicated to advancing faster payments, the FPC continues to play a vital role in driving the conversations that increase awareness, deepen understanding, and help turn momentum into measurable progress. And that leader...</div>
1219</div>
1220</div>
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1228<div class="blog-data"> <a href="/blog/16921/Reexamining-Challenges-as-Opportunities-to-Advance-Faster-Payments" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> Reexamining Challenges as Opportunities to Advance Faster Payments </a>
1229<div class="blog-posted-date mb-2"> Apr 07, 2026 </div>
1230<div class="blog-byline mb-2"> Reed Luhtanen, Executive Director & CEO, FPC </div>
1231<div class="blog-description mb-3">Conversations at the FPC’s Spring Member meeting revealed an important shift in perspective: challenges once seen as barriers are now being reexamined as opportunities for innovation—especially when it comes to fraud. ...</div>
1232</div>
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1241<div class="blog-data"> <a href="/blog/16844/Stablecoins-in-B2B-Payments-A-Domestic-Opportunity-for-U-S-Banks-and-Credit-Unions" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> Stablecoins in B2B Payments: A Domestic Opportunity for U.S. Banks and Credit Unions </a>
1242<div class="blog-posted-date mb-2"> Mar 30, 2026 </div>
1243<div class="blog-byline mb-2"> FPC Business Benefits of B2B Instant Payments Work Group </div>
1244<div class="blog-description mb-3">In high-volume or time-sensitive B2B workflows, U.S. corporations move tens of trillions of dollars every year through a combination of ACH, wires, checks, card rails, and treasury sweeps. This multi-rail environment can introduce coordination and re...</div>
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1254<div class="blog-data"> <a href="/blog/16677/B2B-Instant-Payments-The-10-Million-Moment-Unlocking-the-Next-Frontier" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> B2B Instant Payments: The $10 Million Moment - Unlocking the Next Frontier </a>
1255<div class="blog-posted-date mb-2"> Mar 16, 2026 </div>
1256<div class="blog-byline mb-2"> FPC Business Benefits of B2B Instant Payments Work Group </div>
1257<div class="blog-description mb-3">The increase in instant payments transaction limits represents a major strategic unlock and a watershed moment for the industry. Both U.S. instant payment rail
1257s—the Federal Reserve’s FedNow® Service and The Clearing House’s RTP® network—have increase...</div>
1258</div>
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1267<div class="blog-data"> <a href="/blog/16389/Navigating-Adoption-Fraud-and-Data-at-the-Spring-Member-Meeting" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> Navigating Adoption, Fraud, and Data at the Spring Member Meeting </a>
1268<div class="blog-posted-date mb-2"> Feb 24, 2026 </div>
1269<div class="blog-byline mb-2"> Reed Luhtanen, Executive Director & CEO, FPC </div>
1270<div class="blog-description mb-3">While we may feel like we’re still in the dead of winter temps in much of the country, spring will be here before we know it. It’s with that optimism that we convene for the Faster Payments Council’s 2026 Spring Meeting. At the end of the month, from...</div>
1271</div>
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1273</div>
1274</div>
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1278</div>
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1280<div class="blog-data"> <a href="/blog/16278/Digital-Access-as-a-Prerequisite-for-Financial-Access-Bridging-the-Divide-Between-Connectivity-Capability-and-Inclusion" class="blog-title h5 font-weight-bold w-100 d-block mb-2"> Digital Access as a Prerequisite for Financial Access: Bridging the Divide Between Connectivity, Capability, and Inclusion </a>
1281<div class="blog-posted-date mb-2"> Feb 05, 2026 </div>
1282<div class="blog-byline mb-2"> FPC Financial Inclusion Work Group </div>
1283<div class="blog-description mb-3">The U.S. Faster Payments Council Financial Inclusion Work Group (FIWG) has researched and conducted interviews examining how access to technology creates barriers to the use of financial services. The FIWG explored how technology access, digital lite...</div>
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1367×</span>
1368</button>
1369<p>FPC Members: Registration is open for the FPC Fall Member Meeting on September 15-16, 2020</p>
1370<a class="btn btn-primary-alt" data-original-title="" target="_blank" href="https://pheedloop.com/register/fpcmeeting2020/attendee/" title=""><i class="fas fa-phone-square fa-fw mr-sm-1"></i>Register Now</a>
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1386<p>The deadline to submit nominations for the FPC Annual Awards program has been extended to Friday, October 2.&nbsp;<div><b><a href="https://fasterpaymentscouncil.org/FPC-Awards-Program">Submit Nomination</a></b></div></p>
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1659<p>
1660</p>
1661<p>The Faster Payments Council (FPC) is an industry-led membership organization whose vision is a world-class payment system where every person or organization can safely and securely pay anyone, anywhere, at any time and with near-immediate funds availability. By design, the FPC encourages a diverse range of perspectives and is open to all stakeholders in the U.S. payment system. Guided by principles of fairness, inclusiveness, flexibility and transparency, the FPC uses collaborative, problem-solving approaches to resolve the issues that are inhibiting broad faster payments adoption in this country. </p>
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1717<link rel="stylesheet" href="https://cdnjs.cloudflare.com/ajax/libs/font-awesome/5.15.4/css/all.min.css" crossorigin="anonymous">
1718<!-- HTML5 shim and Respond.js IE8 support of HTML5 elements and media queries -->
1719<!--[if lt IE 9]>
1720<script src="https://oss.maxcdn.com/libs/html5shiv/3.7.0/html5shiv.js"></script>
vendor: 1 bytes, line 1720
1720
1721<script src="https://oss.maxcdn.com/libs/respond.js/1.3.0/respond.min.js"></script>
1721
1722<![endif]-->
1723<script src="/js/jquery.cookie.js?v=1547685408"></script>
vendor: 1 bytes, line 1723
1723
1724<script>
1725wow = new WOW({
1726boxClass: 'wow', // default
1727animateClass: 'animated', // default
1728offset: 30, // default
1729mobile: true, // default
1730live: true // default
1731})
1732wow.init();
1733</script>
1733
1734<style>
1735.wow {visibility: hidden;}
1736.social-google{display:none !important;}
1737.contact-fax{display:none !important;}
1738.contact-hours{display:none !important;}
1739.social-tiktok{display:none !important;}
1740</style>
1741<!-- Omnia JS -->
1742<script src="/js/omsBs4.js?v=1789679629"></script>
1742
1743<!-- ReCaptcha JS -->
1744<script>
1745(function(){
1746if (window.grecaptcha || window.omsRecaptchaLoad || document.querySelector('script[src*="recaptcha/api.js"]')) return;
1747var loaded = false, pendingExec = false;
1748function load(){
1749if (loaded) return; loaded = true;
1750var s = document.createElement('script');
1751s.src = 'https://www.google.com/recaptcha/api.js?hl=en&onload=omsRecaptchaOnload';
1752s.async = true; s.defer = true;
1753document.head.appendChild(s);
1754}
1755window.___grecaptcha_cfg = window.___grecaptcha_cfg || {};
1756window.___grecaptcha_cfg.fns = window.___grecaptcha_cfg.fns || [];
1757var stub = window.grecaptcha = {};
1758stub.ready = function(cb){ window.___grecaptcha_cfg.fns.push(cb); load(); };
1759stub.getResponse = function(){ load(); return ''; };
1760stub.execute = function(){ pendingExec = true; load(); };
1761stub.render = function(){ load(); };
1762stub.reset = function(){};
1763window.omsRecaptchaOnload = function(){
1764if (!pendingExec) return;
1765var tries = 0;
1766(function go(){
1767try { window.grecaptcha.execute(); pendingExec = false; }
1768catch (e) { if (++tries < 20) setTimeout(go, 250); }
1769})();
1770};
1771var evs = ['pointerdown', 'keydown', 'touchstart', 'mousemove', 'scroll', 'focusin'];
1772function once(){ evs.forEach(function(e){ window.removeEventListener(e, once, true); }); load(); }
1773evs.forEach(function(e){ window.addEventListener(e, once, { capture: true, passive: true }); });
1774window.omsRecaptchaLoad = load;
1775})();
1776</script>
1776
1777<!-- Site Custom JS -->
1778<script src="//fasterpaymentscouncil.org/js/additionalJS.cfm?pageid=51125&siteid=2080&v=1&ref=blog&editPage=0" id="additionalJSLink"></script>
1778
1779</div>
1780<script async src="https://cse.google.com/cse.js?cx=004273776158202425164:kmss5gzwf0f"></script>
1780
1781<!-- chat widget -->
1782<script src="https://chatwidget.identifee.com/chat-widget.iife.js"></script>
1782
1783<link rel="stylesheet" href="https://chatwidget.identifee.com/chat-widget.css">
1784<script>
1785ChatWidget.init({
1786chatBotKey: '5b59977e-9323-4b04-8480-4c0f021341c2'
1787})
1788</script>
1788
1789</div>
1790<div id="header_recaptcha" class="g-recaptcha" data-sitekey="6LdSEZEUAAAAAD355f5isunNsV8pIazt4c0UQzi9" data-size="invisible" data-callback="recaptcha_submit"></div>
1791</body>
1792</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.