Sionic Brings Instant Bank Pay to Microsoft Marketplace

Sionic, an Atlanta-based payments company, has made its Instant Bank Pay service and Fraud Detection Service available through Microsoft Marketplace. The listing, announced on August 11, 2026, allows enterprise customers to deploy the product within the Microsoft Azure ecosystem alongside other cloud and AI tools.

The service routes payments across two real-time bank rails: the Federal Reserve's FedNow network and The Clearing House's RTP network. Funds move from a payer's checking account to a payee's account within seconds, with Sionic claiming an average cost saving of roughly 60% against card interchange.

Sionic used Microsoft Foundry, Microsoft's agentic AI development environment, to address gaps in point-of-sale commerce, including no alias directory comparable to Zelle's and no dispute resolution framework. The company's architecture reduces the operational load on banks and removes them from routine chargebacks.