Country System Japan ZENGIN,[9] deployed in 1973 China IBPS - Internet banking payment system,[10] deployed in 2010 India IMPS - Immediate Payment Service,[11] deployed in 2010 United States Zelle,[12] available since 2016; United States Venmo,[13] available since 2018 United States RTP - Real-Time Payments,[14] available since 2017 Europe RT1,[15] available since November 2017 Europe TIPS - TARGET Instant Payments Settlement,[16][17] available from November 2018 Australia NPP - New Payments Platform,[18] available since February 2018. Sweden Swish, since 2012 ; Denmark, MobilePay, since 2013 and Norway, Vipps, since 2015 - these three systems have got more than half of the respective country population as users, and has together with debit cards made many stop using cash in these countries. The Netherlands Dutch Payment Association,[19] Rollout completed on September 10, 2019 allowing payment within 5 seconds.