RTP

Rail overview

Use RTP for real-time US bank movement through The Clearing House network.

The payment is sent for real-time provider processing and Conomy receives the accepted or failed state asynchronously.

Region United States

Currency USD

Direction Pay-in / Pay-out

Model Real-time payments

RTP is best for user-visible money movement where delayed ACH settlement would create support burden.

Required fields

Field	Type	Description
type	string	Must be "RTP"
currency	string	Must be "USD"
rtp.bank.accountNumber	string	Bank account number
rtp.routingNumber	string	9-digit ABA routing number
rtp.customer.firstName	string	Account holder’s first name
rtp.customer.lastName	string	Account holder’s last name
rtp.customer.email	string	Account holder’s email
rtp.customer.documentNumber	string	SSN or ITIN
rtp.customer.documentType	string	Document type

Example

{
  "type": "RTP",
  "currency": "USD",
  "rtp": {
    "routingNumber": "021000021",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "Sarah",
      "lastName": "Williams",
      "email": "sarah@example.com",
      "documentType": "SSN",
      "documentNumber": "456789012"
    }
  }
}

Object

routingNumberstringrequired

ABA routing number (9 digits).

accountNumberstringrequired

Bank account number.

accountTypestring

CHECKINGSAVINGS

customerobjectrequired

Information on who pays the transaction

idstring

Unique identifier for the internal service.

firstNamestringrequired

Payer's name

emailstring

Payer's email

lastNamestring

Payer's last name

phoneNumberstring

Payer's phone number without prefix

phoneNumberPrefixstring

Phone number prefix (e.g., +57)

documentTypestring

Documeny type of the entity (e.g., RUT, CURP, CURL). Go to the Supported Identity document types page for the complete list of supported values.

documentNumberstring

The document number associated with the documentType

addressobjectshow 8 properties

The entity’s address information.