The Clearing House (RTP)

RTP Network (ISO 20022 Messaging)

The RTP network is The Clearing House's real-time payments scheme for the United States, moving credit-push payments instantly, 24/7/365, with final settlement up to $10 million per transaction. It is defined by published ISO 20022 message specifications rather than an open self-serve REST API: Credit Transfer (pacs.008), Message Status Report (pacs.002), Request for Payment (pain.013/pain.014), Request for Information (camt.026/camt.028), Request for Return of Funds (camt.056/camt.029), Payment Acknowledgement (camt.035), Stand-Alone Remittance Advice (remt.001), and the Business Application Header (BAH). Access is via participating financial institutions and registered technology providers; no downloadable OpenAPI is published by TCH.

GitHub

Documentation

📖
Documentation
https://www.theclearinghouse.org/payment-systems/rtp/technical-documentation
📖
APIReference
https://www.theclearinghouse.org/payment-systems/rtp/document-library
📖
Documentation
https://www.theclearinghouse.org/payment-systems/rtp/rtp-network-operating-rules

Other Resources

🔗
APIsJSON
https://raw.githubusercontent.com/api-evangelist/the-clearing-house/refs/heads/main/apis.yml

API entry from apis.yml

apis.yml Raw ↑ 
aid: the-clearing-house:rtp-network
name: RTP Network (ISO 20022 Messaging)
description: 'The RTP network is The Clearing House''s real-time payments scheme for the United States,
  moving credit-push payments instantly, 24/7/365, with final settlement up to $10 million per transaction.
  It is defined by published ISO 20022 message specifications rather than an open self-serve REST API:
  Credit Transfer (pacs.008), Message Status Report (pacs.002), Request for Payment (pain.013/pain.014),
  Request for Information (camt.026/camt.028), Request for Return of Funds (camt.056/camt.029), Payment
  Acknowledgement (camt.035), Stand-Alone Remittance Advice (remt.001), and the Business Application Header
  (BAH). Access is via participating financial institutions and registered technology providers; no downloadable
  OpenAPI is published by TCH.'
humanURL: https://www.theclearinghouse.org/payment-systems/rtp/technical-documentation
tags:
- Real-Time Payments
- ISO 20022
- Instant Payments
properties:
- type: Documentation
  url: https://www.theclearinghouse.org/payment-systems/rtp/technical-documentation
- type: APIReference
  url: https://www.theclearinghouse.org/payment-systems/rtp/document-library
- type: Documentation
  url: https://www.theclearinghouse.org/payment-systems/rtp/rtp-network-operating-rules