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Real-Time Payments can benefit your company’s bottom line.

 

 

The Business Impact of Real-Time Payments (RTP)

Real-Time Payments (RTP) is a new payment method launched by The Clearing House (TCH) that allows consumers and businesses to send and receive immediate payments between participating banks, 24/7/365 days a year, including weekends and holidays, directly from their bank accounts.

Besides the immediate funds availability benefit, RTP provides four beneficial features for both consumers and businesses:

  • Transparency. The ability for immediate confirmation of Payment
  • Cash Management. The ability to improve liquidity with immediate deposits
  • Messaging. The ability for consumers, businesses and Financial Institutions to send messages to each other
  • Irrevocable. Once payment is sent out, it is final and cannot not be returned

Watch the Video

Hear how Real-Time Payments can be important to your business.

 

Duration: 02:13 mins

Download the Video Transcript (PDF)

Prepare Your Business for Real-Time Payments

Read our article, Ramping Up Preparations for Real-Time Payments for a more in-depth look at Real-Time Payments and how to prepare your business for them.



Ready to Get Started?

Your business can now send and receive Real-Time Payments 24/7/365 through Treasury CenterSM and BizPay, helping to improve your liquidity and cash management.

Read more about the Real-Time Payment services (PDF) we offer. 

You can also contact your relationship manager, call 1-800-724-2240 or visit your local branch to learn how.

 

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Real-Time Payment Frequently Asked Questions

  • Is Real-Time Payments (RTP) just about faster payments?
  • While speed is a key benefit, real-time payment confirmation and messaging capabilities also provide the ability to include more information with the transaction, such as extended payment data. RTP also facilitates enhanced messaging between participants such as invoicing (using Request for Payment), user acknowledgement of the payment, and user inquiry about the payment (using Request for Information).


  • How can RTP benefit my business?
    • Gives your business the ability to respond to emergency situations, such as missed/late payroll
    • Allows you to pay a supplier more quickly, possibly resulting in an early payment discount
    • Insurance companies can make a settlement payment immediately to the policy holder
    • Invoices are sent through the same channel in which payments are made

  • What makes Real-Time Payments different from other payment services?
  • Real-Time PaymentsSame-Day ACH Wire
    Typical Funds AvailabilityImmediate By 5pm local timeImmediate
    Information Availability Immediate End of dayEnd of day
    Processing24x7x365 Until 1pm ETDuring business hours
    RevocabilityNoYesNo

  • What types of transactions are eligible for RTP?
  • US based (domestic) credit transactions (send payment) up to $100,000 per item are eligible.

  • Does RTP only process business-to-business (B2B) transactions?
  • No, the RTP system supports consumer, small business, and commercial transactions.