Real-Time Payments
Move money instantly
Send money to accounts at most major US banks in seconds with The Clearing House’s RTP network — any time, any day.
1await summitspan.realTimePaymentsTransfers.create({
2 source_account_number_id: "account_number_v18nkfqm6afpsrvy82b2",
3 amount: 18550,
4 creditor_name: "Quarry Freight",
5 destination_routing_number: "101050001",
6 destination_account_number: "987654321",
7 remittance_information: "Load #88213",
8});Payments clear and settle in real time.
Reach accounts at the largest US banks.
No cutoffs, weekends, or holidays.
No chargebacks or surprise reversals.
Send payment requests the payer can approve instantly.
Include up to 140 characters of payment detail.
Know the payment landed before you tell the customer.
Receive real-time payments to any account number.
Instant payouts
Pay people the moment they earn it
Drivers, contractors, and sellers don’t want to wait for a batch. RTP lets you pay out in seconds with confirmation from the receiving bank.
Use it for earned wage access, insurance claims, marketplace payouts, or anything else where speed matters.
- Settles in seconds
- Confirmed by the receiving bank
- Always available
Operator workflows
Instant doesn’t mean invisible
Every RTP message is stored and searchable. See when a payment was submitted, when it was acknowledged, and exactly what the network said.
Bare metal APIs
Every detail directly from RTP
Other RTP providers
transaction_identificationReference the network’s own ID in support conversations.
reject_reason_codeSee the exact ISO 20022 code when a payment is rejected.
remittance_informationSend structured details with every payment.
acknowledged_atKnow to the millisecond when funds landed.
RTP for developers
1await summitspan.realTimePaymentsTransfers.create({
2 source_account_number_id: "account_number_v18nkfqm6afpsrvy82b2",
3 amount: 18550,
4 creditor_name: "Quarry Freight",
5 destination_routing_number: "101050001",
6 destination_account_number: "987654321",
7});Send money in real time.
- Confirmed by the receiving bank in seconds.
- No cutoffs or batch windows.
- Webhooks report every state change.
1await summitspan.realTimePaymentsRequestForPayments.create({
2 destination_account_number_id: "account_number_v18nkfqm6afpsrvy82b2",
3 amount: 50000,
4 debtor_name: "Harbor Logistics",
5 remittance_information: "Invoice 22",
6});Request an instant payment from a customer.
- Payer approves from their bank.
- Automatically matched on arrival.
- Set an expiration for each request.
Banking for builders
Everything you need and nothing you don’t
Direct connections to the networks for money movement. Accounts that open instantly. Unopinionated building blocks that don’t force you into legacy patterns.
Originate ACH credits and debits, validate account numbers with prenotes, and store frequently used details.
Learn more RadialMail branded checks anywhere in the US with one API call, or deposit checks via API or the dashboard.
Learn more GradientThe Federal Reserve’s newest rail. Move money 24/7/365 with any participating bank.
Learn more ArraySend money to accounts at most major banks in seconds, not days.
Learn more Push-to-CardSend funds to eligible Visa and Mastercard debit cards in seconds, any time.
Learn more WiresThe original instant money transfer. Send money anywhere, any time Fedwire is open.
Learn more Bank AccountsFlexible account structures with unlimited account numbers.
Learn more CardsIssue custom cards, approve authorizations in real time, and set your own limits.
Learn more