RTP
The Clearing House Real-Time Payments rail — the private US real-time rail with USD 5 M per-txn cap.
RTP is a real-time payment rail routed by KeyBS Pay. The Clearing House Real-Time Payments rail — the private US real-time rail with USD 5 M per-txn cap.
Payouts routed through RTP settle to beneficiary accounts in US. Where RTP is available for the destination country, it is the default rail for eligible payouts.
Every RTP payout is subject to KYB, KYC and sanctions screening. Pricing is disclosed in full before approval; failed payouts return a signed webhook event with a machine-readable reason code and remain refundable per program policy.
Corridor mechanics at a glance
Every KeyBS Pay payout follows the same operational contract; only the rail changes.
How a RTP payout moves through KeyBS Pay
RTP settles in real-time on eligible USD destinations.
Popular RTP searches
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Countries reachable via RTP
RTP by industry
RTP developer resources
Frequently asked questions
What is RTP?
The Clearing House Real-Time Payments rail — the private US real-time rail with USD 5 M per-txn cap.
How fast is RTP?
Real-time. Actual settlement time is disclosed pre-approval and confirmed by signed webhook once the beneficiary bank acknowledges the credit.
Which countries can I reach through RTP?
US. Availability is beneficiary-bank-dependent; the router falls back to wire if the beneficiary bank is not on RTP.
What currencies are supported on RTP?
USD is the primary settlement currency for RTP. Multi-currency corridors are supported where the rail permits.
What limits apply on RTP?
Rail-specific ceilings apply; the platform surfaces them pre-approval. Higher-value transactions are automatically routed to wire.
Is RTP available 24/7?
Real-time rails (including RTP) operate around the clock. Batch and wire rails follow the local banking window.
How do I integrate RTP?
You don’t. KeyBS Pay abstracts rail selection: submit a payout to POST /v1/payouts and the router picks the fastest eligible rail. Use "method": "auto" (default) or force a specific method where policy requires.
Is RTP regulated?
Yes. KeyBS Pay routes RTP payouts only through partners licensed for the destination corridor.
Can I get a RTP settlement report?
Yes. Per-rail, per-corridor reconciliation reports are available in the dashboard and via API export.
What happens if a RTP payout fails?
Failed payouts return a signed webhook event with a machine-readable reason code. Funds remain in the source ledger and can be re-routed or refunded.
How is pricing set for RTP?
Quote-based, disclosed in full pre-approval. No undisclosed intermediary-bank deductions on eligible local rails.
Can I use RTP for consumer payouts?
Yes, where the beneficiary and route policy permit consumer flows. Stablecoin routes are business-only.
Are there cutoffs on RTP?
Real-time rails have no cutoffs. Batch and wire rails follow local banking-day windows; cutoffs are shown at quote time.
Does RTP support idempotent retries?
Yes. Every KeyBS Pay payout carries an Idempotency-Key so retries after transient errors are safe.
Which industries use RTP most?
Marketplaces, cross-border trade, workforce and NGO programs are the largest users of RTP on the KeyBS Pay platform.
Route your first RTP payout
Rail selection is automatic — you never have to pick one manually unless program policy requires it.