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RTP®: The New Real-Time Payments System for All Financial Institutions

The RTP® network from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial institutions of all sizes are taking advantage of the RTP network’s capabilities to create or enhance digital services for their corporate and retail customers.


Financial institutions are using the new RTP network to clear and settle payments in real time. The RTP network works in the background, underpinning a financial institution's customer facing systems for services such as bill payment, cash management, P2P, and emergency disbursements, just to name a few. The Clearing House is working with providers of core processing and payment services, bankers banks, and corporate credit unions to ensure that every financial institution in the U.S. has an easy way to access the RTP network by 2020.

Join the Real-Time Payments Revolution

RTP® Network Information for All Depository Institutions

Learn more about the RTP revolution and how all federally insured depository institutions, regardless of size, can connect to the network to provide innovative payment services to customers on RTP’s secure, fast, and efficient platform…  Read More

RTP® Network Use Cases for Many Business Needs

Federally insured depository institutions and their customers will benefit from the robust payment and messaging capabilities on the RTP network. Find out how comprehensive payment messaging capabilities will provide a smarter payment experience…  See More

RTP® Network Events and Forums Near You, and Online

Are you up to speed on the RTP revolution? Our focused and interactive forums are designed to provide a big picture context for bank and credit union personnel and help you incorporate the RTP network into your organization’s faster payments strategy…  Register Now

RTP® Library: Messaging Specs, Rules, Requirements, and More

The RTP Library contains up-to-date Messaging Specifications, Operating and Participation Rules, Schedules, Security Standards, Compliance Criteria, Risk Management, Fraud Control Requirements, and more…  Read More