Where real-time payments, AI intelligence, and biometric identity create a smarter, safer payment network.
Built around real-time payment infrastructure, AI intelligence, and biometric identity.
L3 RTP is designed to modernize payments, lower payment costs, and reduce risk through smarter authentication and direct bank-connected infrastructure.
Processing completes in seconds, 24/7/365.
No interchange, no hidden fees, and no multi-day float.
Machine learning models continuously analyze risk patterns to strengthen every transaction.
Fingerprint, facial, or voice verification helps confirm identity before a transaction begins.
Real-time authorization means transactions are final, fast, and dispute-free.
Flexible APIs built for modern fintechs, platforms, and enterprise systems.
Leveraging the Federal Reserve’s FedNow Service and The Clearing House’s RTP network for instant payment infrastructure.
Intuitive APIs with comprehensive documentation and flexible tools for rapid development.
Real-time payment infrastructure, secured by AI, authenticated by biometrics, and powered by bank-connected rails.
With over 20 years of experience in high-risk processing, L3 Payments is creating infrastructure that modernizes payments at the speed of trust.
No chargebacks. No unnecessary intermediaries. No waiting.
Join the waitlist to learn more about the next generation of real-time payments from L3 Payments.
Join the Waitlist