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Always Ready. The RTP® Network, Trusted by Financial Institutions Nationwide

The RTP network is the market-leading real-time payments infrastructure used by financial institutions (FIs) to send and receive electronic payments in the U.S. securely, instantly, and at scale. With availability around the clock, including bank holidays, weekends and after hours, the RTP network provides a modern option for fast and precisely-timed money movement that supports retail, commercial, and treasury payments.

The RTP Network Stands Apart

High-limit. High-speed. High-reliability. The RTP network from The Clearing House is the leading instant payments platform in the United States, trusted by FIs of all sizes, including credit unions and community banks, to move money instantly, with zero downtime. Designed for today's digital economy, the RTP network enables seamless transactions up to $10 million, 24/7/365.
Q3 2024 Vs Q3 2025 Comparison

Experienced and Proven: Impact at Scale By-The-Numbers

Since 2017, the RTP network has processed over $1 trillion instantly and with unmatched scale, performance, and reliability.
  • Instant Settlement: Final, anytime, every day
  • High Limits: Send up to $10 million per transaction
  • Reliable Infrastructure: 100% uptime, zero scheduled downtime
  • Smart Messaging: Rich ISO® 20022 data for real-time reconciliation
  • Massive Volume: 114 million transactions totaling $405 billion in Q3 2025 alone
  • Daily Average Value: $4.4 million as of August 2025
  • Participant Reach: over 1,100 participants as of September 2025
By The Numbers

Why Financial Institutions Choose the RTP Network

From local community banks to the nation’s largest FIs, the RTP network powers real-time payment capabilities that meet rising customer expectations:
  • Corporate clients improve liquidity, automate receivables, and streamline disbursements
  • Small business and other business banking customers benefit from real‑time payouts, faster invoicing, and improved cash‑flow visibility
  • Retail customers enjoy instant money movement from loan disbursements to P2P transfers
  • FinTech platform providers and processors access a stable, open platform with flexible APIs and broad reach
Any federally insured depository institution as well as certain other FIs can participate in the RTP network, no ownership or membership in The Clearing House is required.

Real-Time Payments In Action

The RTP network supports a wide range of real-time payment needs with evolving use cases:
  • Account-to-account (A2A) transfers and digital wallet payouts
  • Merchant settlement, insurance, and gig economy disbursements
  • Treasury, supplier, and cash concentration payments

With Constant Expansion

The RTP ecosystem continues to expand every month, bringing on more financial institutions, core platforms, and integration partners, including technology providers and funding agents, that simplify and accelerate access to the network.


Third-Party Service Providers: Your Fast Track to the RTP network

Connecting to the RTP network doesn't require a complex lift. Many FIs integrate seamlessly by leveraging an array of third-party service providers (TPSPs) who already support simple connectivity and funding capabilities for the RTP network. Technology providers offer turnkey integration paths, technical expertise, and ongoing support, allowing you to bring real-time payments to market faster and with less overhead.

Whether you're a credit union or a community bank looking to minimize implementation complexity or a large FI scaling across business lines, TPSPs provide a flexible, proven option to access our growing network.

Explore the RTP Ecosystem

Proven Infrastructure. Future-Ready Platform.

The RTP network is purpose-built to handle growing payment volumes and increasing transaction values. Our highly resilient 24x7 network and continuously expanding use cases make the RTP network the most reliable and scalable instant payments solution in the U.S. No outages. No limits to your growth.

Ready to Join the RTP Network?

Connect your institution or platform to the leading U.S. real-time payments infrastructure, and deliver faster, smarter payment experiences to your clients.

RTP Deposits Value Calculator

Try the RTP Deposits Value Calculator to estimate the deposit value RTP Payments could generate for your institution based on asset size.
Total Assets Average Annual Deposits Value*
$200B – $999.9B
~$18.5B
$50B – $199.9B
~$8.7B
$5.0B – $49.9B
~$228.7M
$2.5B – $4.9B
~$39.7M
$1.0B – $2.4B
~$36.2M
$500M – $999M
~$14.2M
<$499M
~$2.2M
*Average annual deposits are based on actual RTP volumes and values and are provided for informational purposes only. Actual RTP transaction volumes, values, and deposits may vary by institution.
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Explore practical use cases, industry trends, and best practices in our RTP® Network Playbooks—your guide to navigating the instant payments landscape.

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Latest News

The Clearing House’s RTP® network hit a new single-day milestone, processing 1.8 million instant payments valued at $5.2 billion, underscoring accelerating nationwide adoption of real-time payments.

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