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:

https://ops-sandbox.crbcos.com/rtp/v1/directory?routingNumber=021000021

Here's the response from COS:

{
  "results": [
    {
      "routingNumber": "021000021",
      "participantId": "021000021JP",
      "name": "JPMorgan Chase",
      "institutionRoutingNumber": "021000021",
      "institutionName": "JPMorgan Chase",
      "receiveServices": [
        "ACK",
        "CRDT",
        "RFI",
        "RFIR",
        "RFP",
        "RFRF",
        "RFRFR",
        "RMT"
      ],
      "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.

Reference

Receive Service

Description

ACK

Acknowledgment message

CRDT

Credit transfer

RFI

Request for information

RFIR

Request for information response

RFP

Request for payment

RFRF

Request for return of funds

RFRFR

Request for return of funds response

RMT

Remittance message


Did this page help you?