Using the RTP Directory

COS offers an RTP directory that partners can use to determine which RTP-related services are supported by a particular financial institution. This can be done by calling GET /rtp/v1/directory and accommodates filtering by details such as routing number or financial institution name. Here's an example of a request URL filtering by a specific routing number, 021000021:

Here's the response from COS:

  "results": [
      "routingNumber": "021000021",
      "participantId": "021000021JP",
      "name": "JPMorgan Chase",
      "institutionRoutingNumber": "021000021",
      "institutionName": "JPMorgan Chase",
      "receiveServices": [
      "receivingConnection": "JPMC",
      "participantActivationDate": "6/8/2017 12:00:00 AM",
      "extractionDateTime": "8/14/2021 7:00:01 AM",
      "lastModifiedAt": "2021-08-14T07:28:17.9411998-04:00"
  "pageNumber": 1,
  "pageSize": 1,
  "hasPreviousPage": false,
  "hasNextPage": false

In the response listed above, the RTP services supported by routing number 021000021, which pertains to JP Morgan Chase, are listed in the receiveServices array.


Please note that although a financial institution may list a specific service, it does not guarantee that the creditor/debtor account at that financial institution is eligible for that service.


Receive ServiceDescription
ACKAcknowledgment message
CRDTCredit transfer
RFIRequest for information
RFIRRequest for information response
RFPRequest for payment
RFRFRequest for return of funds
RFRFRRequest for return of funds response
RMTRemittance message