# RTP

RTP (Real-Time Payments) is The Clearing House's instant payment network, operating 24/7 in the USA. Payments settle in seconds. Widely supported by major US banks.

**Country:** USA | **Currency:** USD | **Direction:** Pay-in

## Required fields

| Field                         | Type     | Description                 |
| ----------------------------- | -------- | --------------------------- |
| `type`                        | `string` | Must be `"RTP"`             |
| `currency`                    | `string` | Must be `"USD"`             |
| `rtp.bank.accountNumber`      | `string` | Bank account number         |
| `rtp.routingNumber`           | `string` | 9-digit ABA routing number  |
| `rtp.customer.firstName`      | `string` | Account holder's first name |
| `rtp.customer.lastName`       | `string` | Account holder's last name  |
| `rtp.customer.email`          | `string` | Account holder's email      |
| `rtp.customer.documentNumber` | `string` | SSN or ITIN                 |
| `rtp.customer.documentType`   | `string` | Document type               |

## Example

```json
{
  "type": "RTP",
  "currency": "USD",
  "rtp": {
    "routingNumber": "021000021",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "Sarah",
      "lastName": "Williams",
      "email": "sarah@example.com",
      "documentType": "SSN",
      "documentNumber": "456789012"
    }
  }
}
```

## OpenAPI reference

* Spec: `conomyhq-api`
* Component: `rtp`
* Source: [Payment API.yaml](https://raw.githubusercontent.com/conomyapp/gitbook-docs/main/.gitbook/assets/Payment%20API.yaml)