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Series information

series: name: “How U.S. Payments Really Work” index_url: “/series/payments” part: 36 series_type: “payments”

Content classification

payment_type: “emerging_payments” payment_network: [“upi”, “fednow”, “rtp”] content_level: “intermediate” content_type: “analysis”

UPI vs FedNow vs RTP: Developer-Centric Comparison

Coming soon…

This article will provide a developer-focused comparison of the world’s major real-time payment systems. We’ll cover:

• Technical architecture: How each system is built and why it matters
• API design: Comparing the developer experience across all three systems
• Performance characteristics: Speed, reliability, and scalability differences
• Integration complexity: What it takes to connect with each system
• Regulatory environment: How different regulatory approaches affect development
• Cost structure: Understanding the economics of each system
• Developer tools: What each system provides to help developers succeed
• Future roadmap: Where each system is headed and what it means for developers

Stay tuned for a comprehensive technical comparison that will help you choose the right real-time payment system for your needs.

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At BuildTales.dev, Suma Manjunath is passionate about writing, intentional tech, and the messy magic of building great software teams.

If you enjoyed this article, explore more stories in these series:

• 💳 Payments Series – ACH, card networks, faster payments, wallets, crypto
• 🧭 Leadership Series – Systems thinking, organizational growth, decision-making
• 🏗 Systems Series – Architecture, resilience, scaling patterns for software engineers

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