Payments Exchange: RTP

Making Real-Time Payments Processing Simple, Secure and Efficient

As business and consumers alike demand "right now" payments capabilities, financial institutions are adopting real-time payments with a greater sense of urgency than ever before.

Payments Exchange: RTP® from Fiserv offers a direct gateway to the RTP® network from The Clearing House (TCH), providing your institution with easy, more affordable access to the newest U.S. payment rail and helping you deliver differentiated payment experiences for a new digital world.

Flexible and web‑based, Payments Exchange: RTP enables complete, end-to-end real‑time payments, streamlining payment processing, reducing operational costs and enabling your institution to provide immediate funds availability and payment certainty for your commercial and retail customers. 

Payments Exchange: RTP reduces errors and eliminates redundant, manual steps while helping you meet regulatory requirements.

Payments Exchange: RTP

  • Supports the full range of real-time payments personas, which can be implemented one persona at a time as needed
  • Provides access to the full RTP® messaging suite
  • Allows additional payment information to be sent with the payment transaction
  • Leverages existing integrations to account processing systems as well as deposit platforms, digital channels and fraud systems

Simple, Secure and Efficient Delivery of Real-time Payments


Easy-to-use interface cuts setup time and adapts to your environment, incorporating your institution’s branding for consistent look and feel to your customers


Multiple built-in security features, including customized authorization levels, dual controls for verification and SSL internet data encryption, to ensure integrity and confidentiality


One-step payment entry that includes selection of real-time payments persona, fraud screening, posting to the account-processing system and transmission to TCH

Learn About Payments Exchange: RTP

Get the details about Payments Exchange: RTP and the enhanced capabilities to deliver end-to-end real-time payments 24/7/365 through TCH RTP®.

Complementary Solutions

Payments Exchange: Fedwire

Payments Exchange: Fedwire® from Fiserv is a flexible, web-based solution for completing end-to-end wire transfers, providing financial institutions an affordable option for increasing the efficiency and security of the wire transfer process.

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With Integrated Receivables, financial institutions can offer their business customers a way to lower total accounts receivable costs and improve accuracy, using artificial intelligence for improved payment-to-invoice matching rates.

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