Instant/Emerging Payments
AFPP Flashcards
Electronic Format
Test and refine your knowledge anytime, anywhere you take your mobile device! This self-study tool is great for AFPP exam preparation. Choose to study one focus area at a time or all areas together. Enjoy all the features of traditional flashcards such as easily flipping through cards and tracking your progress but with additional functionality that allows you to rate your comfort level with topics and utilize spaced repetition to better reinforce your knowledge.
Your electronic flashcard subscription provides you with six months of full access to your study tool from any computer or mobile device.
Format: Electronic Access Code
Please Note: All digital purchases are final.
Blockchain for Electronic Banking
Electronic Format
Blockchain without the hype, and without the eye-glaze. Two full modules take bankers from the double-spend problem to the GENIUS Act, always asking the question that matters: what does this mean for my institution?
Inside the book
Module 1 (Blockchain Fundamentals) covers why bankers need to understand blockchain, the evolution of money and payment ledgers, the double-spend problem, what a blockchain is, wallets, keys, and custody, consensus, and public, private, and permissioned networks, closing with a knowledge assessment. Module 2 (Stablecoins, Tokenized Deposits, and Digital Assets) covers the evolution of digital money, digital assets and cryptocurrency fundamentals, stablecoins and the GENIUS Act, tokenized deposits and how they compare to stablecoins, central bank digital currencies, tokenization beyond money, real-world banking use cases, operational and risk considerations, and what it all means for your institution, with a second assessment and answer keys.
Who it’s for
Bank and credit union leadership, risk and innovation teams, and staff who keep hearing "stablecoin" and "tokenized deposit" in strategy meetings and want to speak the language with confidence.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
FasterPaymentsPro™ (Online)
Electronic Format
FasterPaymentsPro is a self-paced, computer-based training program developed to build your expertise in the rapidly expanding world of faster payments. This powerful tool helps you assess your knowledge of real-time payment systems and identify areas where additional development may be needed. FasterPaymentsPro was designed to make learning engaging, flexible, and future-focused.
Why You Should Purchase FasterPaymentsPro
Updated annually to reflect the latest advancements across real-time payment rails—including RTP®, FedNow®, and push-to-card networks—FasterPaymentsPro is an essential resource for faster payments professionals, electronic banking teams, and those preparing for the Accredited Faster Payments Professional (AFPP) exam. Challenge yourself using FasterPaymentsPro’s interactive game and scorekeeping features or leverage it as a training tool for staff new to faster payments.
Key Advantages
• Learn While You Play: Use Game Mode to master faster payments concepts through an engaging, interactive experience.
• Test Your Understanding: Practice Test Mode helps you assess your readiness and reinforce critical knowledge areas.
• A New Experience Every Time: Every game and test is dynamically generated—no two sessions are the same.
• Prepare for AFPP Certification: Build the competencies needed to excel on the AFPP exam and advance your career.
User Access opens in December 2025 and closes December 31, 2026.
Please Note: All digital purchases are final.
FedNow 101: The Basics of the FedNow® Service
Electronic Format
The flagship introduction to the FedNow® Service. Across three sections and twenty classes, complete with a midterm, a final exam, and a graduation, this workbook takes learners from "what is FedNow?" to confidently explaining participation types, settlement, and messaging to their own teams.
Inside the book
Section One introduces the FedNow Service, its participants and special participants, payment flows, payment types, and participation types for financial institutions. Section Two covers settlement and liquidity management: master accounts, balance reconcilement, Liquidity Management Transfers (LMTs), and FedNow reports. Section Three rounds out the basics with cycle dates and rollover, the timeout clock, rules and regulations, ISO® 20022 basics, and risk and fraud fundamentals, including the FedNow fraud toolkit of participant negative lists and account activity thresholds.
Who it’s for
New and cross-training staff at banks and credit unions, operations and payments teams, and anyone evaluating or preparing for FedNow participation. Ideal as a structured onboarding program with built-in knowledge checks. Anyone preparing for the AFPP (Accredited Faster Payments Professional) exam.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
FedNow® Service Operating Procedures: Simplified (But Longer!)
Electronic Format
The FedNow® operating procedures, translated into plain, friendly language, with all the operational detail practitioners actually need. The cheeky title says it all: simpler to read, and more thorough than a summary.
Inside the book
Covers FedNow Service terms, anti-money laundering and sanctions compliance, general expectations, participant availability expectations, business-day rollover, message signing, and participant and connection profiles. The risk chapters cover the participant negative list, account activity thresholds, Network Intelligence, fraud reporting, and request-for-payment warranties. The messaging chapters walk the full ISO® 20022 message set (pacs, camt, admi, and pain messages) and FedNow APIs, followed by reports and reconciliation, consolidated response times, support, network limits, messaging charts, and a bonus chapter on dealing with duplicates.
Who it’s for
FedNow operations staff, project managers, and compliance officers who need a desk reference for day-to-day processing questions, without wading through the official procedures cold. Anyone preparing for the AFPP (Accredited Faster Payments Professional) exam.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
ISO Message Type Quick Reference
Electronic Format
This quick reference guide is perfect for anyone studying for AFPP or new to faster payment messaging. It provides an overview of the most commonly used messages, including the ISO message type, payment rail, a brief description, and the message function.
Format: PDF
Please Note: All digital purchases are final.
OFAC and Instant Payments: Sanctions Compliance for RTP® and FedNow®
Electronic Format
Sanctions screening was built for a batch world, and instant payments don’t wait. This fully rewritten 2026 edition shows how OFAC compliance actually works when settlement takes seconds, built on the RTP® Operating Rules effective October 4, 2026, Operating Circular 8, and the April 2026 FedNow® Service Operating Procedures.
Inside the book
Ten chapters: OFAC meets instant payments, sanctions risk and the risk-based approach, technology, data, and smarter screening, what the FedNow® Operating Procedures require, FedNow® Accept Without Posting, the RTP® rules on OFAC programs and Accept Without Posting, block or reject decisions with reporting and recordkeeping, when fraud meets sanctions, the consumer side under Regulation E, and policies, procedures, FAQ, and lessons learned. Appendices add numbers at a glance, the clocks, key dates, a glossary, a procedure toolkit of adaptable checklists and worksheets, and a quiz answer key with final review.
Who it’s for
BSA/OFAC officers, payment operations and exception staff, fraud teams, and compliance, audit, and risk professionals at institutions live on FedNow® or RTP®, or preparing to be.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Operating Circular 8 Simplified: The Plain English Version!
Electronic Format
The biggest book in the library takes on Operating Circular 8, the legal backbone of the FedNow® Service, section by section. Every section is presented three ways: the official text, the Professor’s over-simplified version, and practice questions (from "easy" to "expert level") to lock in the learning. The bound-in 2026 Update Addendum keeps readers current with the January and April 2026 amendments.
Inside the book
Walks through OC 8 end to end: general obligations; message formats, routing numbers, and accounts; eligibility and location of participants; roles of the Reserve Banks; settlement; security procedures, termination, and access restrictions; receipt, acceptance, and delivery of messages; payment messages and requests for confirmation; operating hours and extensions; required reporting and reconcilement; availability, recovery, resiliency, and testing; service providers; compliance requirements and Reserve Bank liability; and the Appendix C fraud reporting procedures and Appendix D additional processing options.
Who it’s for
Compliance, audit, legal, and senior operations staff at FedNow participants, plus instructors who want ready-made exam questions for every section of OC 8. Anyone preparing for the AFPP (Accredited Faster Payments Professional) exam.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Payments Professor’s Stablecoin Readiness Guide
Electronic Format
Where do stablecoins and smart contracts actually make sense for a bank or credit union? This guide helps financial institutions answer that question through payment operations, risk, governance, and control, not hype.
Compare stablecoins with existing payment rails, identify operational signals that may warrant a closer look, and evaluate where smart contracts could improve the execution of clearly defined rules. The guide includes a readiness checklist, decision flowchart, real-world examples, risk framework, and tiered approach to assessing potential activities.
Practical tools help turn the analysis into documented decisions: a decision memo, signal identification worksheet, readiness scorecard, examiner talking points, and board summary template.
Written for leaders and teams in payments, operations, treasury, risk, compliance, and audit, this guide supports a decision to explore, pilot, defer, or decline, with a clear rationale for whichever path your institution chooses.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Regulation E and Faster Payments: Error Resolution, Unauthorized Transfers, and Fraud on RTP®, FedNow®, and Zelle®
Electronic Format
When a consumer says "I did not send that," the clock starts ticking. This fully rewritten 2026 edition connects Regulation E’s error-resolution machinery to RTP®, FedNow®, and Zelle®, including the push-payment scam question every institution is wrestling with.
Inside the book
Sixteen chapters covering Regulation E and instant payments, what counts as an error, the error-resolution clock, network rules, police reports, and merchants, unauthorized EFTs and consumer liability limits, the CFPB scenarios, fraudulent inducement and negligence, authorized versus induced push-payment scams, agreements and finality, the RTP® and FedNow® rules for consumer payments, Nacha False Pretenses and credit monitoring, Regulation E in 2026, policies and procedures, and case studies that put it all together. Appendices include the clocks, key dates, a glossary, a procedure toolkit, and a quiz answer key with final review.
Who it’s for
Deposit operations and dispute staff, electronic banking and payments teams, fraud analysts, branch and contact center leaders, and the compliance, audit, and risk professionals who write the procedures.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Regulation J Subpart C: FedNow® Explained and Simplified
Electronic Format
A concise gateway to the federal regulation that governs FedNow® funds transfers. Section by section, § 210.40 through § 210.47, the regulation is demystified so readers understand not just what the rules say, but why they matter.
Inside the book
Includes a summary of Regulation J Subpart C, the application of UCC Article 4A, authority, purpose, and scope, reliance on identifying numbers, definitions, agreements of the sender and the receiving bank, payment orders, payment by a Federal Reserve Bank, Reserve Bank liability and compensation, and the Board commentary.
Who it’s for
Legal experts, compliance officers, operational staff, and decision-makers who need a fast, accurate grounding in the legal framework behind FedNow instant payments. Anyone preparing for the AFPP (Accredited Faster Payments Professional) exam.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
RTP® 101: Introduction to RTP®
Electronic Format
Everything an institution needs to get acquainted with the RTP® network: what it is, what it is not, and how money really moves on it. Myths are dispelled, pop quizzes keep readers honest, and the network’s rules come to life.
Inside the book
Opens with an introduction to the RTP® network and RTP® transactions, The Clearing House (TCH®), and "What RTP® is NOT," dispelling the common myths. Continues through the payment types allowed on the network, prohibited actions such as searching for accounts, prohibited transactions involving foreign accounts, eligibility requirements, participants, funding participants and funding providers, payment service providers, the on-behalf-of (OBO) payment rules, sending and receiving participant compliance, ISO® 20022 messaging, Request for Payment, and settlement and prefunding, with pop quizzes and answer keys throughout.
Who it’s for
Banks and credit unions comparing or adopting instant payment rails, frontline and operations staff new to RTP, and trainers introducing faster payments.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Smart Contracts & Programmable Money for Financial Institutions
Electronic Format
Why can code move money on a weekend when a bank can’t? This book answers that question for bankers, from how money moves today to how a smart contract, a stablecoin, and a tokenized deposit actually work, and what it takes to run them safely.
Inside the book
The book moves from the payments you know to programmable money: settlement, finality, and reconciliation; what a smart contract is, oracles, and how to read one without becoming a developer; the life of a stablecoin, reserves, redemption, and stablecoin law after the GENIUS Act; tokenized deposits for community banks and credit unions; wallets, validation, layers, gas, and bridges; BSA/AML, OFAC, blockchain analytics, and consumer legal questions; 24/7/365 operations, exception processing, and treasury; code, governance, audit, and incident response risk; case studies; and the Payments Professor Smart Contract Risk Framework. Tools include a risk assessment, fifty vendor due diligence questions, an audit review checklist, an operations exception checklist, board briefing questions, a glossary, and a rail-by-rail comparison of ACH, wire, FedNow®, RTP®, stablecoins, and tokenized deposits. Every regulatory statement is labeled as law, final rule or guidance, or proposed and developing.
Who it’s for
Payments, operations, treasury, risk, compliance, and audit leaders, plus executives and boards who need to evaluate programmable money, stablecoin, and tokenized deposit proposals with confidence.
This publication is formatted as a PDF document. Users must have access to Adobe Reader.
Format: PDF
Please Note: All digital purchases are final.
Online Store
Featured Product
Now offering digital, cloud-based tools, powered by OAS™, to walk Third-Party Senders and Originators through applicable Nacha Rules audits in plain language.
Read MoreMembership
Your direct line to payments expertise, compliance support, and industry connections.
Read More
