Version: 1.0

Real-Time Payments

Experience an interface built for simplicity. Create and manage various account transactions with greater speed and efficiency.
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The Real-Time Payments (RTP®) API enables partner applications to securely originate payment requests. With an interface intentionally designed for simplicity, Real-Time Payments origination doesn’t require extensive knowledge of the RTP® Network or ISO 20022 format. This makes integrating with U.S. Bank easier and faster than ever before.


Create and manage various account transactions with greater speed and efficiency.

Real-time payment initiation

  • Originate B2B or B2C payments 24 hours a day, seven days a week, 365 days a year and remittance information included.
  • Funds are transferred within seconds.
  • Payments are final and irrevocable.

Originated payment management

  • Retrieve submitted real-time payment details and status.
  • Improved receivables reconciliation.

Status updates via Webhooks

Subscribe to specific events and receive notifications in your desired format.


RTP - workflow

Example use cases

Work with customers to make transactions fast, easy and simple.

  • Make a last-minute payment.
  • Pay businesses for procurement of supplies.
  • Refund a customer.
  • Reimburse employees for expense reports.
  • Settlement of a claim.
  • Pay a contractor.

Ideal for:

  • Enterprise resource planning systems.
  • Accounts payable applications.
  • Insurance or healthcare providers.
  • Various FinTech and Payment Services applications.


  • Current credit transfer limits for the RTP® Network limits are $100,000 per transaction.
  • The receiving bank must be part of the RTP network.
  • Originated credit transfer messages are irrevocable.
  • Credit push only.