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Payments Pulse

Payments Pulse
The Clearing House
Payments Pulse

Industry News & Resources

RTP® Rules Change

Source: The Clearing House

RTP Participation Rules

Source: The Clearing House

We Get Questions...

Q and A
Q.)  What is the Settlement time for a an RTP network transaction?
  • End of Banking Day
  • Next Day
  • Determined by the Sender
  • Immediately
A.)   Immediately (d)

The Clearing House launched the RTP® network in November 2017 to bring real-time payments to the U.S. Today the RTP network’s real-time payment capabilities are accessible to financial institutions that hold 75% of U.S. demand deposit accounts (DDAs), and the network currently reaches 61% of U.S. DDAs. The RTP network was built for financial institutions of all sizes and serves as a platform for innovation allowing financial institutions to deliver new products and services to their customers. Financial Institutions can integrate into the RTP network directly, through Third-Party Service Providers, Bankers’ Banks and Corporate Credit Unions.
Have a question for TCHPA? Call 800-875-2242 (choose option 3) or email

The information contained herein has been prepared for general informational purposes only and is not offered as and does not constitute legal advice. You should consult with your legal counsel regarding the legal, regulatory and payments industry rule requirements that apply to specific transaction scenarios.

Payments Education

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Member Support

TCHPA Fact Sheet

Remember, when you need support from The Clearing House Payments Authority (TCHPA), you can reach our Member Services staff directly by calling 800-875-2242 and choosing option 3, or by emailing Although our staff is working remotely due to the COVID-19 pandemic, we’re still available to provide the support you need in a timely manner!

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115 Business Park Dr.
Winston-Salem, NC 27107
United States

The Clearing House
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