Real-Time Payments

Resource Center

The Clearing House has built an industrial strength clearing and settlement system to support Real-time Payments for the U.S. This new system allows consumers and businesses to send and receive payments instantly, directly from their accounts at financial institutions. It also includes data and non-payment messages that financial institutions can use to build innovative digital commerce solutions.

Real-time Payments is new, core industry infrastructure, like ACH, Fedwire or CHIPS. The goal is for total ubiquity, with every U.S. financial institution connected directly or indirectly. The system is designed for global compatibility, but will focus initially on achieving ubiquity in the U.S.

Here is how it all fits together: 

We Are Here To Help

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or call (415) 433-1230

No project goes just as planned. WesPay’s experts are always here to provide assistance via the Payments Hotline. No question is too big or too small! 

RTP Classes

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Real-Time Payments Overview

RTP Network Biller Playbook



Credit Transfer Message Flow

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RTP Network Adoption

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