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Real-Time Payments for All Financial Institutions

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. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial institutions of all sizes are taking advantage of the RTP network’s capabilities to create or enhance digital services for their corporate and retail customers.

 

RTP® Network Celebrates 5-Year Anniversary

 

The RTP® network, the nation’s newest real-time payments system that is operated by The Clearing House (TCH), marked its five-year anniversary by increasing the availability of new functionality for financial institutions and their customers, and highlighting the increasing activity on the network, including higher volumes, expanded technical access, and more bank and credit union participants joining the network each week.

RTP Quarterly Payment Activity

RTP Quarterly Payment Activity
 

RTP Volume Calculator

The RTP Volume Calculator estimates approximately how many RTP transactions your depository institution will receive each month based on asset size.



Estimated Monthly RTP Volume...


RTP Network Ecosystem

As the volume of the RTP network continues to grow, so have the number of financial institutions that have joined the real-time payments revolution and the number of technology partners, funding agents, and core banking providers that are working to provide depository institutions of all sizes with connections to the network and RTP-related services.
Access the full list of RTP network participating financial institutions.
TCH341_RTP_Partner_200X80_083120_Fis_Avidia
TCH341_RTP_Partner_200X80_Fis_Bankindependent_120420
TCH341_RTP_Partner_200X80_083120_Fis_BNP
TCH341_RTP_Partners_FI_Barharbor_200X80_090420
TCH341_RTP_Partner_200X80_Fis_BCB Bank_050522
TCH341_RTP_Partner_200X80_083120_Fis_Boa
TCH341_RTP_Partner_200X80_083120_Fis_BOTW
TCH341_RTP_Partner_200X80_083120_Fis_Bynmellon
TCH341_RTP_Partner_200X80_Fis_BMO_021122
TCH341_RTP_Partner_200X80_Fis_Bridgecb_041321
TCH341_RTP_Partner_200X80_Capecod5_100620
TCH341_RTP_Partner_200X80_Fis_Carthage_060421
TCH341_RTP_Partner_200X80_083120_Fis_Chesapeake
TCH341_RTP_Partner_200X80_083120_Fis_Citibank
TCH341_RTP_Partner_200X80_083120_Fis_Citizens
TCH341_RTP_Partner_200X80_Fis_Citizensstate_050522
TCH341_RTP_Partner_200X80_Fis_Citybank_061522
TCH341_RTP_Partner_200X80_Fis_CNB_041321
TCH341_RTP_Partner_200X80_Fis_Coastalheritage_071921
TCH341_RTP_Partner_200X80_083120_Fis_Comerica
TCH341_RTP_Partner_200X80_Fis_Commbob_121521
TCH341_RTP_Partner_200X80_Fis_Commfi_100121
TCH341_RTP_Partner_200X80_083120_Fundingagents_Corpone
TCH341_RTP_Partner_200X80_083120_Fis_Crossriver
TCH341_RTP_Partner_200X80_Fis_Essex_102720
TCH341_RTP_Partner_200X80_Fis_ESL_122220
TCH341_RTP_Partner_200X80_083120_Fis_Fifththird
TCH341_RTP_Partner_200X80_083120_Fis_First Fidelity Bank
TCH341_RTP_Partner_200X80_Fis_Firstnational_050522
TCH341_RTP_Partner_200X80_Fis_Florence_70722
TCH341_RTP_Partner_200X80_Fis_Hawthorn_082621
TCH341_RTP_Partner_200X80_083120_Fis_HSBC
TCH341_RTP_Partner_200X80_083120_Fis_Huntington
TCH341_RTP_Partner_200X80_083120_Fis_Incrediblebank
TCH341_RTP_Partner_200X80_Fis_Isabella_022522
TCH341_RTP_Partner_200X80_083120_Fis_Jpmorgan
TCH341_RTP_Partner_200X80_083120_Fis_Keybank
TCH341_RTP_Partner_200X80_Fis_Kitsap_021021
TCH341_RTP_Partner_200X80_Fis_Lakeside_112520
Tch341rtppartner200x80083120fismtbank
TCH341_RTP_Partner_200X80_Fis_Members1st_081321
TCH341_RTP_Partner_200X80_Fis_Meredith_102521
TCH341_RTP_Partner_200X80_Fis_Merrimack_102521
TCH341_RTP_Partner_Fis_Midfirst_200X80_020321
TCH341_RTP_Partner_200X80_083120_Fis_MUFG
TCH341_RTP_Partner_200X80_Fis_Nbtfi_110722
TCH341_RTP_Partner_200X80_Fis_Northshore_070722
TCH341_RTP_Partner_200X80_Fis_OMB_061522
TCH341_RTP_Partner_200X80_Fis_Origin_121420
TCH341_RTP_Partner_200X80_Fis_Oxfordbank_102822
TCH341_RTP_Partner_200X80_Fis_Paragon_050522
TCH341_RTP_Partner_200X80_Fis_PGB_051822
TCH341_RTP_Partner_200X80_083120_Fis_Pegasusbank
TCH341_RTP_Partner_200X80_Fis_Peoples_111222
TCH341_RTP_Partner_200X80_083120_Fis_Pncbank
TCH341_RTP_Partner_200X80_Fis_Rangebank_102822
TCH341_RTP_Partner_200X80_Fis_Readingcoop_071922
TCH341_RTP_Partner_200X80_083120_Fis_Regions
TCH341_RTP_Partner_200X80_Fis_Securitybank_102822
Tch341rtppartner200x80fissoumichbt112320
TCH341_RTP_Partner_200X80_Fis_Sunnyside_113022
TCH341_RTP_Partner_200X80_083120_Fis_TD
TCH341_RTP_Partner_200X80_Fis_Thomaston_070722
TCH341_RTP_Partner_200X80_083120_Fis_Truist
TCH341_RTP_Partner_200X80_Fis_Truitycu_020921
TCH341_RTP_Partner_200X80_Fis_UCU_051822
TCH341_RTP_Partner_200X80_083120_Fis_Usbank
TCH341_RTP_Partner_200X80_Fis_Village_121520
TCH341_RTP_Partner_200X80_Fis_Walpole_102521
TCH341_RTP_Partner_200X80_Fis_Wellsfargo_071421

ADP
Kristin S. Walle
SVP, Global Payments & Compliance/
Compliance Services, Shared Services
 
Leizl Mendiola
VP, Risk & Compliance
 
Conduent
Kathy Mertes
VP, Conduent Digital Payments
 
Computershare
Thomas Spataro, CTP
U.S. Treasurer
 
Kyle Hermenegildo
Head of Treasury Operations, U.S.
 
Elytus
Matthew S. Hollis
President
 
Global Holdings, LLC
Michael W. Riggin
Chief Risk Officer & CCO
 
Gold Medal Environmental
Andrew Kirk
CFO
 
Michigan State University
Jeff Rayis
Director of Treasury and Financial Management
 
Nationwide Insurance
Timothy Dwyer
VP, Assistant Treasurer
 
Hope C. Hacker, CTP
AVP, Assistant Treasurer
 
Paychex, Inc.
Eric Wade, CPP
Product Strategy Manager
 
Planet Nine Private Air
Karen Reiff
CFO
 
Sysco Corporation
Carrie Reyna
Director, Global Treasury Operations
 
Target Corporation
Perry Starr
Director, Payment Acceptance
 
Verizon
Attie Muse
Director, Payment Strategy & Operations
 
 
 

The above-identified Participants, Technology Providers, Funding Agents, and Corporate Advisory Group members are provided for reference only.  Accordingly, The Clearing House does not hereby endorse, recommend, or make any representations or warranties of any kind with respect to such entities or their respective products or services.

New Features

At the same time the RTP network continues to grow, The Clearing House is introducing features and capabilities that make the network even more valuable to participants, their customers and clients:

DDA Tokenization:

Secure Token Exchange is an optional capability that issues tokens to stand in for real account numbers when sending or receiving payments. It’s a way to reduce the potential for theft and fraud.

Document Exchange:

This new 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