US Payment Rails Explorer

ACH · RTP · FedNow | Interactive Product Demo
← johnsimpson.io

Payment Rail Selector

Choose a vertical and transaction type to see which US bank-based payment rail best fits the use case, with a detailed comparison of trade-offs.

Merchant Vertical

🎰
Gaming / iGaming
Sports betting, online casino, fantasy sports
📈
Prediction Markets
Event contracts, binary options, forecasting
Crypto / Digital Assets
Exchanges, wallets, fiat on/off ramp

Transaction Type

Deposit / Pay-in
User funds their account from a bank
Withdrawal / Payout
Platform disburses funds to user's bank
🔄
Recurring / Subscription
Automated periodic funding

Transaction Lifecycle Simulator

Watch how a payment moves through each rail from initiation to settlement. Select a rail, run the animation, or trigger a failure scenario to see how error handling differs.

Merchant KPI Dashboard

Simulated analytics showing the metrics a PM owning bank-based payment products would monitor daily. Data reflects realistic distributions modeled on industry benchmarks.

Total Volume (30d)
$14.2M
▲ 12.4% vs prior period
Approval Rate
94.7%
▲ 1.2pp vs prior period
Avg Settlement Time
4.2h
▼ 18% faster (blended)
Return Rate
2.1%
▲ 0.3pp vs prior period

These four KPIs map directly to the role's requirement to "monitor product KPIs and metrics." Volume tracks growth. Approval rate measures conversion health. Settlement time reflects the rail mix (more real-time = lower blended average). Return rate is the risk signal. A rising return rate on ACH may indicate the need to shift deposit volume toward irrevocable rails like RTP/FedNow, or to implement Nuvei's Assured Funds product for risk mitigation.

Transaction Volume by Rail (30 days)

Approval Rate by Rail

Volume by Vertical

Return / Failure Rate Trend

In a production environment, this dashboard would pull from Nuvei's Merchant Dashboard API and reconciliation tools. The PM decision here is which metrics to surface and at what granularity. Approval rate by rail reveals whether a specific payment method has integration issues. Return rate by vertical exposes risk. Gaming deposits have higher return rates than crypto due to player dispute patterns. These are the signals that drive prioritization of engineering work and inform merchant advisory conversations.