Find all of the RTP® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.
Start Here
Documentation
- RTP Client Fedwire Interface Instructions - FAIM to ISO20022
- Request for Payment (RFP) Sender Registration Instructions
- Request for Payment (RFP) Sender Registration Input Form
- Business Principles for the RTP® Network
- RTP® Continuous Operation Specification
- RTP® Message Specifications - Version 3.0
- RTP® Message Specifications Stand-alone Remittance Advice - Version 3.0
- RTP® Message Specifications - Version 5.0
- RTP® Message Specifications Stand-alone Remittance Advice - Version 5.0
- RTP® Persona Specifications: Effective 08-12-2024
- RTP® Prefunded Settlement Model and Reconciliation for Funding Participants
- RTP® Funding and Settlement Model for Non-funding Participants and Funding Agents
- OCC Payment System Member Rule
Participation Agreements
- RTP Participant Agreement and Indemnity
- RTP Participant Terms and Conditions
- Funding Agent Designation of Connection Agent
Rules
- RTP Operating Rules: Effective 07-21-2025
- RTP Operating Rules: Effective 06-16-2025
- RTP Operating Rules: Effective 02-09-2025
- RTP Participation Rules: Effective 07-21-2025
- RTP Participation Rules: Effective 01-01-2025
- Summary RTP Participation and Operating Rule Changes: Effective 07-21-2025
- Summary RTP Participation and Operating Rule Changes: Effective 06-16-2025
- Summary RTP Participation and Operating Rule Changes: Effective 02-09-2025
- Summary RTP Participation and Operating Rule Changes: Effective 01-01-2025
- Summary RTP Participation and Operating Rule Changes: Effective 07-27-2023
- Summary RTP Participation and Operating Rule Changes: Effective 03-19-2023
- Summary RTP Participation and Operating Rule Changes: Effective 01-01-2023
- Summary RTP Participation and Operating Rule Changes: Effective 10-17-2022
- Summary RTP Participation and Operating Rule Changes: Effective 08-25-2022
- Summary RTP Participation and Operating Rule Changes: Effective 06-10-2022
- Summary RTP Participation and Operating Rule Changes: Effective 04-18-2022
- Summary RTP Participation and Operating Rule Changes: Effective 02-01-2022
- Summary RTP Participation and Operating Rule Changes: Effective 12-06-2021
- Summary RTP Participation and Operating Rule Changes: Effective 06-15-2021
- Summary RTP Participation and Operating Rule Changes: Effective 01-31-2021
- Summary RTP Participation and Operating Rule Changes: Effective 10-30-2020
- Summary RTP Participation and Operating Rule Changes: Effective 02-01-2020
- Summary RTP Participation and Operating Rule Changes: Effective 01-01-2020
- Summary RTP Participation and Operating Rule Changes: Effective 11-18-2019
- RTP® Network Property and Casualty Insurance Disbursements Playbook
- RTP® Network Merchant and Network Settlements Playbook
Guides and Checklists
- RTP® Network Request for Return of Funds Guides and Suggested Practices
- RTP® Network Readiness Checklist
- RTP® Bill Pay - Biller Guide
- RTP® Bill Pay - The Bill Pay Experience at a Point of Disruption
- RTP® Bill Pay - A Re-imagined Bill Pay Experience
- RTP® Bill Pay - Implementation Guide
- RTP® Bill Pay - Production Launch Planning Guide
- RTP® Bill Pay - Customer Inquiry Management (CIM) Guide
Rules Interpretations
- Returning Funds After Providing an Accept Response to a Credit Transfer: Effective 07-25-2024.
- Scope of the Request for Payment Warranty: Effective 01-01-2023
- Permissible Uses for Request for Payment Messages: Effective 04-15-2025
- Consumer Payments and Receiver Names
- No Fee Netting and Returned Funds
- Fraud Reporting and Acting on Alerts: Issued 10-29-2025
- TPSPs and DI Payment Services
Schedules and Requirements
- RTP Pricing
- RTP Operator Customer Information Security Standards Schedule
- PSP Compliance Criteria Schedule: Effective 10-30-2020
- RTP Zelle Schedule: Effective 07-21-2025
- RTP Zelle Schedule: Effective 10-30-2020
- Risk Management and Fraud Control Requirements Schedule
- UCC 4A Schedule
- Requirements for Request for Payment Customers
- RTP Prefunded Requirement for Sending Participants
- Standard Optional Indemnity Schedule: Effective 10-30-2020
RTP Compliance Bulletins
- RTP Compliance Bulletin 1-2024 No Searching for Accounts
- RTP Compliance Bulletin 2-2024 Continuous Operations
Participant Self-Audit Materials
RTP Participants, Routing/Transit Numbers and Technology Providers
Marketing Resources
RTP Rules Educational Videos