Sionic Listed Instant Bank Pay on Microsoft Marketplace
Enterprise users can now integrate bank-to-bank payments and AI-driven dispute resolution directly via Azure.
Updated on Oct. 2, 2026 in Financial Services
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On 11 August 2026, Sionic added its Instant Bank Pay service and Fraud Detection Service to the Microsoft Marketplace. The integration allows enterprises to deploy payment rails operating on the FedNow and RTP networks through the Azure ecosystem.
Why it matters
The service aims to bridge operational gaps in instant payment networks by providing missing alias directories, fraud detection, and automated dispute resolution. For operators, this represents a potential alternative to traditional card interchange structures.
Sionic reports its service provides 60% average cost savings compared to traditional card interchange fees. The platform launch follows 16 years of development work aimed at optimizing direct bank-to-bank payment processing.
The players
Sionic
An Atlanta-based financial technology company that provides payment processing and open banking services.
Microsoft
A global technology corporation that offers cloud infrastructure and a marketplace for enterprise software and service integrations.
The details
The integration allows enterprise clients to leverage Sionic’s tools within the Microsoft Azure environment, specifically utilizing Microsoft Foundry for agentic AI development. When refund requests occur, the system deploys an AI agent that negotiates directly with a corresponding merchant-side agent to resolve the dispute. This mechanism addresses the lack of native dispute resolution frameworks currently available in the underlying FedNow and RTP networks.
Timeline
Late 2024: Sionic began a pay-by-bank proof of concept.
11 August 2026: Sionic announced the Microsoft Marketplace listing.
Coming weeks: Sionic will announce financial institution partners.
Market Landscape
Sionic's service attempts to fill functional voids in the Federal Reserve's FedNow network, such as the absence of native dispute resolution and fraud management. This initiative follows the broader industry trend of building software layers on top of real-time payment rails.
Enterprises evaluating new payment rails should assess if their existing dispute resolution processes can interface with AI-negotiated agent systems. Keep an eye on upcoming partnership announcements to see which financial institutions integrate with this specific service stack.
The takeaway
The move signals a shift toward automating complex financial workflows like dispute resolution via AI agents. Operators should track how such agentic platforms change their cost of processing relative to established credit card interchange rates.
Further reading
For more on payment processing trends, visit the Financial Services section.
Source note: This article includes information reported by The Fintech Times.
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Would you choose to pay for goods directly from your bank account instead of using cards?
