All LVTS payments are final and irrevocable in real time. Once sent, a payment cannot be reversed by the payor or the financial institution that sent it. For the recipient, there is no risk that the payment will be reversed due to stop payment orders, insufficient funds or forged endorsements.

Financial institutions are assured of same-day settlement for LVTS transactions, even in the unlikely event that a participating institution were to fail. This certainty of settlement virtually eliminates any potential for systemic risk (i.e. the risk that the inability of one financial institution to meet its settlement obligations could cause other institutions to fail in a domino effect).