For full API reference on RTP originations click here.

Credit Transfers

A credit transfer is method of transferring money between banks in real time via The RTP Network. The minimum information required to send a credit transfer is the COS account number funding the transfer, amount, and creditor information at the receiving bank.

POST /v1/payments

  "accountNumber": "1234567890",
  "amount": 100,
  "creditor": {
    "routingNumber": "021000021",
    "accountNumber": "789456123",
    "name": "John Smith"

The outbound credit transfer can result in one of the following:

  • The receiving FI rejects the transfer
  • The receiving FI accepts the transfer
  • The receiving FI does not respond