Document Library

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

Documentation

• Business Principles for the RTP^® Network
• RTP^® Message Specifications 2.9
• RTP^® Persona Specifications
• 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 04-18-2022
• RTP Participation Rules: Effective 04-18-2022
• RTP Token Program Rules Schedule: Effective 02-01-2022
• Summary of RTP Token Program Rule Changes: Effective 02-01-2022
• Summary RTP Participation and Operating Rule Changes: Effective 04-18-2022
• 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

Guidelines, Playbooks & Checklists

• RTP^® Network Request for Return of Funds Guidelines and Suggested Practices
• RTP^® Network Readiness Checklist
• RTP^® Bill Pay - Biller Playbook
• 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) Playbook

Rules Interpretations

• 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 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

Participant Self-Audit Materials

• Self-Audit Workbook and Self-Audit Form

RTP Participants and Routing/Transit Numbers

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

Marketing Resources

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

RTP Rules Educational Videos

• Rules and Legal Framework