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Technical Documentation

RTP Message Specifications

The RTP Message Specifications define the structure and content of each message type that is supported within the RTP Network. Each document contains introductory information regarding the message type(s) included in the document, a definition of message structure, and detailed descriptions of each field within the subject RTP message(s). 

Terms and Conditions

These documents are intended to be used by financial institutions or technology companies that plan to integrate their systems with the RTP network in order to take advantage of the broad benefits associated with sending and receiving RTP messages.

By clicking on the links below and downloading any such materials, you agree that your use of the documentation will be governed by the terms and conditions contained in the documentation, which are also available here.

 

The Clearing House
Business Application Header

This document describes the Business Application Header (BAH) used within all RTP messages. The Business Application Header facilitates the easy exchange of messages between network endpoints and the central RTP System.

VERSION 2.3 - Last Updated April 2018

 

The Clearing House
Administrative Messages

This document describes the Administration messages used within RTP, including both ISO 20022 standard messages and proprietary messages used for sign-on, sign-off, and echoes.

VERSION 2.3 - Last Updated April 2018

 

Credit Transfer Message

This document describes the RTP Credit Transfer (pacs.008) message, the only RTP message that results in settlement of funds between financial institutions.

VERSION 2.2 - Last Updated April 2018

 

The Clearing House
Message Status Report

This document describes the Message Status Report (pacs.002) which is used to provide an immediate response and status for each RTP message. It also contains the list of acceptable reason codes that could be contained within a reject message.

VERSION 2.2 - Last Updated April 2018

 

The Clearing House
Request for Payment

This document describes the Request for Payment (pain.013) and Response to Request for Payment (pain.014) messages, which are used to request funds from an account holder and provide a negative response, if necessary.

VERSION 2.2 - Last Updated April 2018

 

The Clearing House
Request for Information

This document describes the Request for Information (camt.026) and Response to Request for Information (camt.028) messages, used when the receiver of a payment needs more information in order to understand the purpose of the payment.

VERSION 2.2 - Last Updated April 2018

 

The Clearing House
Request for Returns of Funds

This document describes the Request for Return of Funds (camt.056) and Response to Request for Return of Funds (camt.029) messages, used as bank to bank messages in cases of errant and fraudulent payments.

VERSION 2.2 - Last Updated April 2018

 

The Clearing House
Payment Acknowledgement

This document describes the Payment Acknowledgement (camt.035) message, which is used by a payment receiver to confirm receipt of funds and application to a specific debt or invoice.

VERSION 2.2 - Last Updated April 2018

 

The Clearing House
Stand-Alone Remittance Advice

This document describes the Stand-Alone Remittance Advice (remt.001) message, which can be attached to either a Credit Transfer message or a Request for Payment to carry extensive information related to a payment or payment request.

VERSION 2.2 - Last Updated April 2018