Avidia Bank has partnered with Paynet from FIS allowing for real time payments utilizing a Debit Network without requiring a card. If the Payor and Payee Banks are both members of Paynet, then the transaction is routed just like a debit card transaction using an RTN and account number rather than a card number. If the Payee Bank is not a Paynet member then the transaction routes as an ACH transaction, however an account validation and balance inquiry are performed in real time. This approach provides the best of both worlds and minimizes the risk of an ACH return.