Move money instantly, anytime.

Initiate and receive real-time payment transactions through a simple, straightforward REpresentational State Transfer (REST) interface.

Initiate and settle payments within seconds.

The RTP® (Real-Time Payments) suite of APIs allows applications to initiate and manage real-time payments through The Clearing House (TCH) RTP® network:

Move business funds securely and instantly.
Complete transactions anytime, every day of the year.
Manage cash flow with visibility and control.

Individually or as a suite, these APIs move money at the speed of business.

RTP^® – Real-Time Payments

Implement features from both the Credit Transfer Message and Request for Payments APIs with one solution.

Explore Real-Time Payments API
RTP^® – Credit Transfer Message

Initiate instant and secure payments anytime, such as customer refunds and daily payments.

Explore Credit Transfer Message API
RTP^® – Request for Payment

Send configurable reminders to customers, enable future or partial payments, and verify biller identity safely and securely with the RTP® – Request for Payment API.

Explore Request for Payment API

Explore API features.

Enhance the customer experience and improve receivables reconciliation in real time with RTP® APIs.

Transactions

Send transfers 24 hours a day, 7 days a week, 365 days a year.
Invoices

Initiate and manage real-time clearing and settlement of invoices.
Validation

Verify your biller’s identity and registration with their financial institution.
Transaction notifications

Subscribe to receive notifications via webhooks for specific events.
Sandbox

Test API features in a sandbox environment by adding it to a project.