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### Move money efficiently with suppliers and trading partners.

In today’s supply chain challenges, using instant payments to pay suppliers can help businesses a lot. Instant payments mean you get your money right away, even at night or on weekends. This quick access to funds improves relationships with partners and helps manage cash flow. The more transactions you have, the more you benefit from these fast and efficient instant payments.

### Emergency disbursements for insurance claims.
A policyholder could experience a covered incident, such as a car accident or home fire. They may need an urgent car rental or a hotel to stay in for the night. When the insurance agent says they're issuing an advance to cover the initial expenses, no one wants to wait for a check to arrive in the mail or even an ACH to clear in their checking account. The agent can disburse those funds in seconds with instant payments using the Instant Payments API, giving immediate availability to the policyholder in their personal banking account, even on nights, weekends and holidays.

### Faster collection of receivables.
A customer needs to pay an electric bill. Using the Instant Payments API, the utility company’s developer team builds a request for payment option that notifies the customer a utility payment is due. The customer can easily submit a payment and check if the request for payment option is complete or has been received.

Example use cases

* Transaction limit for TCH RTP® and FedNow service is $1 million and $500,000, respectively.
* RFP functionality is currently limited to TCH RTP® only.
* The receiving bank must be part of either TCH RTP® or FedNow network.
* Originated credit transfer messages are irrevocable.

Restrictions

<p>Accelerate payment processing using the power of Instant Credit Transfer and Request for Payment features in a single solution.</p>


Instant payments

The Instant Payments API allows U.S. Bank customers and partners to securely send credit transfers via The Clearing House (TCH) RTP® network and FedNow service, and requests for payment (RFP) via TCH RTP® only.


Overview

* Send transfers 24 hours a day, 7 days a week, 365 days a year.
* Select your preferred payment network for credit transfers as a one-time setup during onboarding or specify it in the API request when initiating a payment. The preferred payment network can be set to TCH RTP, FedNow, or Instant (instant is letting the bank choose the network based on specific business rules).
* Initiate requests for payment (RFP) for faster collection of receivables.
* Subscribe to receive notifications via webhooks for specific events.
* Evaluate API features in a sandbox environment by adding it to a project.

Features

![Instant Payments - workflow](/content/dam/developer-portal-solutions/en-us/usbank/media/images/products/rtp–real-time-payments/rtp-workflow.png)


Workflow

Alliance Offers

Data as a Service

Invitation to Apply

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Avvance Connect

Avvance Express

Avvance Flex

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Incoming Webhooks

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Documentation

Sandbox quick start

Onboarding quick start

Security guide

Transaction statuses

Transaction reject reasons

Idempotency key

API reference

Test your integration

Webhook subscription

Application error codes

Postman collection

Certification postman collection

Release notes

Overview

Features

Workflow

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Example use cases

Restrictions