Find all of the RTP^® network's security requirements, risk management specifications, fraud control requirements, compliance criteria, and more in the Document Library.

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• Introduction to the RTP System

 

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
• Introduction to the RTP^® System
• 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

Playbooks

• RTP^® Network Property and Casualty Insurance Disbursements Playbook
• RTP^® Network Merchant and Network Settlements Playbook

Guides & 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 Alert and Reporting
• 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

• Self-Audit Workbook and Self-Audit Form

RTP Participants, Routing/Transit Numbers and Technology Providers

• Financial Institutions on the RTP Network
• Routing/Transit Numbers
• Technology Providers

Marketing Resources

• RTP^® payments: What you need to know.
• RTP^® Network Business Payments - Background and Resources

RTP Rules Educational Videos

• Rules and Legal Framework