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Real-time Payments

The Clearing House is building an industrial strength clearing and settlement system to support Real-time Payments for the U.S.

This new system allows consumers and businesses to send and receive payments instantly, directly from their accounts at financial institutions. It also includes data and non-payment messages that financial institutions can use to build innovative digital commerce solutions.


The system is all new, built for a digital economy.

-  24 x 7 x 365
-  Fast and final
-  Modular architecture to adapt
    to changing needs

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Banks are combining payments, data and messaging capabilities to create services like:

-  Business invoicing
-  Just-in-time supply orders
-  Insurance claim disbursements

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For All

TCH's Real-time Payments System will be open to all U.S. depository institutions

Consistent with Federal Reserve and CFPB guidelines

Compatible with global standards

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