Watch FedNow RTGS settle faster than Stripe ACH.

Add a fake sale below and see it settle in real time β€” the way it would over FedNow real-time gross settlement, instead of sitting in a 1–3 day ACH batch. This is a simulation of GOLD's merchant experience, not a live payment processor.

Simulated Balance

$0.00
$0.00 settled today Β· 0 transactions
Generates one fake transaction β€” settled instantly over simulated FedNow RTGS, fee compared against Stripe's real published rates.
Stripe (card + ACH)
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GOLD (FedNow RTGS)
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Live Settlement Feed

No transactions yet β€” simulate a sale to see it settle.

Why This Is Faster On Paper

Stripe's card rails settle on a 2-day rolling schedule, and Stripe's ACH product rides the ACH network's batch windows β€” typically 1–3 business days to fully clear. FedNow is real-time gross settlement: each payment clears and finalizes individually, 24 hours a day, 365 days a year, usually in under a second. GOLD's simulated feed models that gap directly β€” instant status in this demo vs. the multi-day status a real ACH transfer would show. Turning this into a live product requires partnering with a sponsor bank or BaaS provider with direct FedNow access (e.g. a chartered bank, or a provider like Column or Increase), plus money-transmission licensing β€” that real infrastructure is the next build, not this page.