Deluxe today announced a strategic collaboration with Visa to deploy Visa Direct across its payments platform, introducing dlxFastFundsSM. This solution leverages Visa’s real-time payment network to eliminate the conventional one- to two-day settlement delay. Businesses using dlxFastFunds can now receive funds on eligible cards and bank accounts in near real-time, enabling immediate use of capital for inventory purchases, payroll obligations or reinvestment initiatives.

By integrating Visa Direct into the Deluxe Payments Platform, Deluxe empowers more than 6 million small business clients and over 4 000 financial institutions to optimize liquidity. Customers will no longer need to maintain large cash buffers to cover operational expenses during settlement periods. According to Deluxe, this improvement could reduce working-capital requirements by up to 15% for a merchant processing average monthly volume of $100 000.

dlxFastFunds is fully embedded in Deluxe’s existing payments infrastructure, ensuring merchants face no additional onboarding systems or complex workflows. Enrollment occurs within the Deluxe merchant portal, with funds disbursed directly to Visa-enabled cards or bank accounts. Deluxe processes over $2 trillion in annual payment volume, and this integration is expected to accelerate fund availability for upwards of 200 000 merchants in the first year.

Investors should view this collaboration as a driver of long-term revenue growth and client retention. Deluxe’s President of Merchant Services, Brian Mahony, highlighted the platform’s potential to boost transaction volumes by up to 20% among early adopters. Meanwhile, Visa Direct’s Global Head, Vira Platonova, forecasts double-digit year-over-year growth in disbursements through third-party partnerships, reinforcing Deluxe’s positioning in a rapidly evolving digital payments landscape.