# RTP Network (ISO 20022 Messaging)

**Canonical:** https://apis.io/apis/the-clearing-house/rtp-network/  
**Provider:** The Clearing House (RTP) — https://apis.io/providers/the-clearing-house/  
**Documentation:** https://www.theclearinghouse.org/payment-systems/rtp/technical-documentation

RTP Network (ISO 20022 Messaging) is published by [The Clearing House (RTP)](https://apis.io/providers/the-clearing-house/) on the [APIs.io](https://apis.io/) network. Tagged areas include Real-Time Payments, ISO 20022, and Instant Payments. The published artifact set on APIs.io includes API documentation and an API reference.

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.

## Machine-readable artifacts (4)

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

## Tags

Real-Time Payments, ISO 20022, Instant Payments

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/the-clearing-house/rtp-network/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/the-clearing-house/.