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### Send credit transfer messages, anytime.
Your team of developers need to find a solution to help customers send money. The customers need to send money from their financial accounts to contacts using a transfer money feature. Using the RTP® API, you can allow your customers with U.S. Bank checking accounts to send payments to contacts, anytime, anywhere.

### Send invoices faster.
Your client is a handyman and works with several clients throughout the week. Mailing invoices and waiting for payments to come through is a hassle due to time and tracking. Searching for a solution, you find a software package that includes sending invoices immediately using the RTP® API. Now, your client can spend less time tracking invoices and more time on other business and life needs.


Example use cases

- Transaction limit is $1 million per transaction.
- The receiving bank must be part of the RTP® network.
- Originated credit transfer messages are irrevocable.
- Credit push only.


Restrictions

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

 

RTP® - Real-Time Payments

The RTP® (Real-Time Payments) API allows applications to initiate and manage real-time payment messages through The Clearing House (TCH) RTP® network securely and instantly. To enhance the implementation and onboarding experience, U.S. Bank has designed this API with ease of integration in mind.

Overview

- Send transfers 24 hours a day, 7 days a week, 365 days a year.
 - Initiate and manage real-time clearing and settlement of invoices.
- Subscribe to receive notifications via webhooks for specific events.
- Evaluate API features in a sandbox environment by adding it to a project.

Features

![RTP - 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

Accounts

Bank Holidays

Card Activation

Card Controls

Commercial Credit Cards

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

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 Redemption Coming Soon

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

Avvance

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

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

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Card as a Service API

Check Payables

Core Banking API

Corporate Account Information

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Disbursements via Zelle

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Instant payments

Investment Accounting

Money Movement API

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

Reference API

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

Idempotency key

API reference

Webhook subscription

Application error codes

Postman collection

Release notes

Overview

Features

Workflow

PREVIOUS VERSIONS

Product Documents

Example use cases

Restrictions