RTP

The Clearing House's Real-Time Payments network. Used for instant pay-in in the USA.

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

{
  "type": "RTP",
  "currency": "USD",
  "rtp": {
    "routingNumber": "021000021",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "Sarah",
      "lastName": "Williams",
      "email": "[email protected]",
      "documentType": "SSN",
      "documentNumber": "456789012"
    }
  }
}

Schema

The rtp object

Attributes

routingNumberstringRequired

ABA routing number (9 digits).

accountNumberstringRequired

Bank account number.

accountTypestring · enumOptional

Account type (CHECKING or SAVINGS).

Possible values:

The rtp object

{
  "routingNumber": "text",
  "accountNumber": "text",
  "accountType": "CHECKING",
  "customer": {
    "id": "text",
    "firstName": "text",
    "email": "text",
    "lastName": "text",
    "phoneNumber": "text",
    "phoneNumberPrefix": "text",
    "documentType": "text",
    "documentNumber": "text",
    "address": {
      "administrativeAreaLevel1": "text",
      "administrativeAreaLevel2": "text",
      "administrativeAreaLevel3": "text",
      "street": "text",
      "streetNumber": "text",
      "optionalAddress": "text",
      "country": "text",
      "zipcode": "text"
    }
  }
}