PAYMENTS
Payment rails are changing. Your data should be ready.
FedNow, stablecoins, and new payment rails are reshaping how money moves. Shoppa is building for a multi-rail future.
FEDNOW
Instant settlement is here.
The Federal Reserve's instant payment service is live at over 1,400 institutions. For merchants, this means real-time settlement instead of waiting two to three days for funds.
- Funds available in seconds, not days
- Lower interchange costs over time
- 24/7/365 availability, no batch processing
STABLECOINS
Dollar-denominated digital payments.
The GENIUS Act is creating a regulatory framework for payment stablecoins. USDC at checkout is no longer theoretical. It's infrastructure in progress.
- Sub-1% transaction costs
- Instant finality, no chargebacks
- Programmable payments and loyalty
RAIL AGNOSTICISM
One data layer. Multiple payment rails.
Card networks, ACH, FedNow, stablecoins: each rail has different economics and settlement times. Shoppa normalizes them all into a unified transaction layer so your reporting, accounting, and analytics work regardless of how your customer pays.