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.

  • RTP® – Credit Transfer Message

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

  • 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 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.