Find key RTP® network documents and materials, including introductory information, RTP playbooks, the RTP Rules, RTP technical specifications, and more in the Document Library.
Introduction to RTP
- Introduction to the RTP® System
- RTP® Participating Financial Institutions
- Business Principles for the RTP® Network
- OCC Payment System Member Rule
- RTP® Pricing
- RTP® Payments: What you need to know
- RTP® Network Readiness Checklist
- Property and Casualty Insurance Disbursements
- Merchant and Network Settlements
- Brokerage to Bank Transfers
- Zelle P2P Instant Clearing and Settlement
- RTP® Network Business Payments - Background and Resources
- RTP® Prefunded Settlement Model and Reconciliation for Funding Participants
- RTP® Funding and Settlement Model for Non-funding Participants and Funding Agents
- RTP® Network Request for Return of Funds Guidelines and Suggested Practices
- RTP® Participants and Routing/Transit Numbers
- RTP® Technology Providers
- RTP® Participant Terms and Conditions
- RTP® Participant Agreement, TPSP Designation, Funding Agent Designation
- Funding Agent Designation of Connection Agent
- RTP® Participation Rules: Effective 07-21-2025
- RTP® Operating Rules: Effective 01-01-2026
- Summary RTP® Participation and Operating Rule Changes: Effective 01-01-2026
- Fraud Alert and Reporting
- Permissible Uses for Request for Payment Messages: Effective 04-15-2025
- Scope of the Request for Payment Warranty: Effective 01-01-2023
- Returning Funds After Providing an Accept Response to a Credit Transfer: Effective 07-25-2024.
- Consumer Payments and Receiver Names
- No Fee Netting and Returned Funds
- TPSPs and DI Payment Services
- RTP® Zelle Schedule: Effective 07-21-2025
- RTP® Operator Customer Information Security Standards Schedule
- Risk Management and Fraud Control Requirements Schedule
- Standard Optional Indemnity Schedule: Effective 10-30-2020
- Requirements for Request for Payment Customers
- RTP® Prefunded Requirement for Sending Participants
- UCC 4A Schedule
- RTP® Message Specifications - Version 5.0
- RTP® Client Fedwire Interface Instructions Version FAIM to ISO20022
- RTP® Persona Specifications: Effective 08-12-2024
- RTP® Technical Specification Document Continuous Operation Specification Effective 04-01-2023
- RTP® Message Specifications Stand-alone Remittance Advice - Version 5.0
- RTP® Compliance Bulletin 1-2024 No Searching for Accounts
- RTP® Compliance Bulletin 2-2024 Continuous Operations
- Request for Payment (RFP) Sender Registration Instructions
- Request for Payment (RFP) Sender Registration Input Form