Getnet Platforms, the paytech business of Santander Group, has enabled Real-Time Payments (RTP) in the United States, connecting more than two million Santander Bank N.A.(SBNA) and Openbank customers—both retail and commercial—to instant,24/7/365 payment capabilities through the RTP® network operated by The Clearing House.
November 4, 2025
Getnet Platforms powers Santander’s Real-Time Payments launch in the U.S.
Real-time is redefining the language of money. Through Getnet Platforms Engine, Santander is shaping how it’s spoken — with instant, secure, and global payments thatmove at the speed of life.
Why it matters
Instant payments are changinghow money moves—and what customers expect from their banks.
According to Federal Reserve Financial Services(2024), 74% of U.S. consumers used faster or instant payments in 2023, and 79%looked to their financial institutions to provide these services. (Source: Federal Reserve Financial Services, May 6,2024)[SA1]
Unlike batch-based systems such as ACH or checks, RTP provides immediate settlement and fund availability, giving both consumers and businesses greater liquidity, flexibility, and control.
For Santander, this launch is about more than speed; it’s about creating real-time financial experiences that meet today’s expectations and anticipate tomorrow’s opportunities.
The technology behind the launch
This milestone is powered by the Getnet Platforms, a cloud-native, API-first platform that manages account-to-account payments in real time for Santander and open-market clients.
Designed for banks operating on a global scale, the Payment Engine combines Santander-grader esilience with open-market flexibility in a single infrastructure. It supports:
- Instant and high-value payments across multiple clearing schemes
- ISO 20022-compliant APIs for efficient, standardized processing
- Intelligent routing and simulation tools to optimize performance and reduce failure rates
- Bank-grade encryption aligned with global regulatory standards
Building a connected payments infrastructure
The U.S. RTP go-live adds another rail to Getnet Platforms’s expanding global infrastructure, following the recent Fedwire connectivity for USD settlement.
Together, these milestones show how the Getnet Platforms enables Santander and partner institutions to operate across multiple schemes—from real-time retail to high-value settlement—through one platform built for efficiency and growth.
This achievement reflects close collaboration between
- Santander Bank N.A. and Openbank, delivering real-time services to more than two million customers
- Getnet Platforms, providing the core technology and infrastructure, integrating scheme connectivity and gateway management
- The Clearing House (TCH), operating the RTP® network and enabling U.S. instant payments
What’s next
Real-time is no longer a feature—it’s the foundation of modern payments.
By expanding across major schemes—from Fedwire RTGS to RTP and beyond—Getnet Platforms continues to streng then Santander’s global payments architecture and help clients move money with speed, visibility, and certainty.
From Europe to the U.S.—and soon across key corridors in the Americas—Getnet Platforms is extending the reach of instant payments worldwide, exploring future real-time connections between Mexico and the United States, two of the world’s most dynamic remittance and trade economies.
At Getnet Platforms, we are building a single, connected platform where every payment—instant, high-value, or cross-border—moves with the same speed, certainty, and intelligence.
About Getnet Platforms
Getnet Platforms is a paytech within the Santander Group providing Payments-as-a-Service (PaaS) and Software-as-a-Service (SaaS) solutions that help financial institutions, NBFIs, and corporates simplify global payments, automate liquidity, and accelerate growth.
Its Payment Engine powers Santander’s global payment operations and serves the open market—delivering secure, compliant, and cloud-native infrastructure designedfor the future of finance.
Learn more at www.platforms.getnet.net/en/.
