RTP® from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation.

The RTP network, the instant payments system from The Clearing House is the first new core payments infrastructure introduced in the U.S. since ACH more than 40 years ago. It is currently available to insured banks and credit unions in the U.S., and reaches 70% of U.S. demand deposit accounts (DDAs).

Find all of the RTP ® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.

2021年3月23日 · Real-time payments (RTP) are payments that are initiated and settled nearly instantaneously. A real-time payments rail is the digital infrastructure that facilitates real-time payments. Ideally, real-time payment networks provide 24x7x365 access, which means they are always online to process transfers. This includes weekends and holidays.

2024年5月6日 · The Clearing House Real Time Payment network (RTP) started processing in 2017, and the Federal Reserve’s FedNow Service is expected to go live in 2023. RTP uses a shared pre-funded joint account to settle transactions, while FedNow will be linked to a bank’s master account at the Federal Reserve.

2025年1月8日 · Eight years after launching the RTP® instant payments network, The Clearing House logged a stellar 2024. Early Wednesday (Jan. 8), the consortium announced that more than $246 billion moved...

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RTP is an entirely new payments and messaging system that allows participants to send and receive funds immediately at any time — 24 hours a day, 7 days a week, 365 days a year. Along with instant delivery and availability of funds to the receiver, the …

2024年12月4日 · Businesses and financial institutions support the increase of RTP® network transaction limits to enable instant payments for higher value transactions in real estate, supply chain, inter-company transfers, large merchant settlements, and other business-to-business transactions. NEW YORK, Dec. 4, 2024 /PRNewswire/ -- The Clearing House, the operator of the RTP ® network, the largest instant ...

Real-Time Payments (RTP) refer to the payment protocol used to transfer money between two parties (or banks) instantly. The primary purpose of introducing RTP was to overcome the challenges of Automated Clearing House (ACH) and wire transfers. This transfer happens electronically between banks and clearing houses.