The Clearing House (RTP)

The Clearing House (TCH) is a U.S. banking association and payments company owned by many of the largest commercial banks. It operates three core payment systems: CHIPS (large-value wire clearing), the EPN automated clearing house (ACH), and the RTP network, the private-sector real-time payments rail it launched in 2017 as the first new U.S. payments infrastructure in decades. RTP is a 24/7/365 instant-payments scheme built on the ISO 20022 messaging standard, supporting immediate credit-push transfers up to $10 million with final settlement, plus Request for Payment (RfP), remittance data, and a UID addressing/directory lookup. TCH is the scheme operator for the U.S. market and competes with the Federal Reserve's FedNow service. Its API posture is documentation- and rulebook-first: TCH does not publish an open, self-serve public REST API or downloadable OpenAPI/Swagger specification. Instead it publishes ISO 20022 message specifications (pacs, pain, camt, remt) as PDFs, the RTP network operating rules, playbooks, and a technology-provider program. Real-time HTTP/JSON RTP APIs are surfaced to businesses by participating financial institutions (for example U.S. Bank) and registered technology providers that connect to the RTP network on their behalf.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

How we profile The Clearing House (RTP)

Each block below is one kind of artifact we hold for The Clearing House (RTP). For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 1

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

RTP Network (ISO 20022 Messaging)

The RTP network is The Clearing House's real-time payments scheme for the United States, moving credit-push payments instantly, 24/7/365, with final settlement up to $10 million...

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

The Clearing House Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Every other property we hold for The Clearing House (RTP) — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

← All providers · Data indexed from github.com/api-evangelist/the-clearing-house · machine-readable index on apis.io