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Networks

RTP®
RTP is built for all U.S. financial institutions with 24x7 immediacy, certainty, and bank-grade security that are required in a new payments rail.

ACH 
ACH provides safe, efficient and cost-effective processing of electronic transactions in a batch environment.

CHIPS 
CHIPS is the largest private sector USD clearing system in the world, clearing and settling $1.5 trillion in domestic and international payments per day.

Image Exchange 
This industry utility allows financial institutions of all sizes to exchange check images in the most efficient and cost-effective way.
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Services

Document Exchange 
This service provides access to PDF or XML documents such as bills, invoices, and remittances as part of an RTP payment or request for payment message

Secure-Token-Exchange 
Secure Token Exchange (STE) is a service to manage token issuance and authentication for mobile and ecommerce transactions.

UID Lookup 
Search by CHIPS Universal Identifier (UID#), by BIC/SWIFT, or by UID name. Refine your search by city or country.
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Industry Leadership

Bill Pay 
In our Innovation Journey for Bill Pay, it was clear the existing bill pay process for many organizations was one area primed for improvement.

Connected Banking 
Enabling innovation and customer control through a more secure exchange of financial data.

Innovation Center 
The Innovation Center highlights some of the new ideas and cutting-edge technologies that The Clearing House, member banks, industry partners and technology companies are building to bring new solutions to the market for real-time payments, bill payments, consumer data privacy and more.