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Real-Time Payments for All Financial Institutions

RTP ® from The Clearing House is a real-time payments platform that all federally insured U.S. depository institutions are eligible to use for payments innovation. With mobile technology and digital commerce driving the need for safer and faster payments in the U.S., financial institutions of all sizes are taking advantage of the RTP network’s capabilities to create or enhance digital services for their corporate and retail customers.

RTP Quarterly Payment Activity (2Q24)

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RTP Network Ecosystem

As the volume of the RTP network continues to grow, so have the number of financial institutions that have joined the real-time payments revolution and the number of technology partners, funding agents, and core banking providers that are working to provide depository institutions of all sizes with connections to the network and RTP-related services.

RTP Participating Financial Institutions and Routing/Transit Numbers

RTP Volume Calculator

The RTP Volume Calculator estimates approximately how many RTP transactions your depository institution will receive each month based on asset size.

Estimated Monthly RTP Volume.

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ADP Kristin S. Walle
SVP, Global Payments & Compliance/
Compliance Services, Shared Services

Leizl Mendiola
VP, Risk & Compliance

Conduent Kathy Mertes
VP, Conduent Digital Payments

Computershare Kyle Hermenegildo
Head of Treasury Operations, U.S.

Michigan State University Jeff Rayis
Director of Treasury and Financial Management

Hope C. Hacker, CTP
AVP, Assistant Treasurer

Paychex, Inc. Eric Wade, CPP
Product Strategy Manager

Sysco Corporation Carrie Reyna
Director, Global Treasury Operations

Verizon Attie Muse
Director, Payment Strategy & Operations

The above-identified Participants, Technology Providers, Funding Agents, and Corporate Advisory Group members are provided for reference only. Accordingly, The Clearing House does not hereby endorse, recommend, or make any representations or warranties of any kind with respect to such entities or their respective products or services.

New Features

At the same time the RTP network continues to grow, The Clearing House is introducing features and capabilities that make the network even more valuable to participants, their customers and clients:

TCH Token Exchange is an optional capability that issues tokens to stand in for real account numbers when sending or receiving payments. It’s a way to reduce the potential for theft and fraud.

This new service provides access to PDF or XML documents such as bills, invoices, and remittances as part of an RTP payment or request for payment message

RTP Network Resources