The speed of the payment is the obvious feature that sticks out.  The payment, confirmation, and settlement all happens within seconds.  

However, there is another important feature, which is the two-way communication. The RTP network was built with message capabilities that allow two-way communication to happen immediately along with the payment. A good example of this is the confirmation of the payment for both the sender and the receiver at the time of the payment. Both parties understand right away that the transaction is complete, as opposed to an ACH transaction that could post anywhere from the same day to 3 days later.

Other advantages:

• Instant confirmation and access to funds, useful in urgent payment situations
• Fewer calls into call center inquiring about payment status
• Better visibility and control over cash flow to avoid overdraft fees and other penalties