Overview Coming Soon
Real-Time Payments are coming soon. This preview gives you an early look at the expected experience so you can begin planning your integration.
As we prepare for launch, API fields, scopes, statuses, webhook events, and other details may evolve. Review the final documentation before moving your integration to production.
Unit allows you to receive Real-Time Payments (RTP) via The Clearing House RTP network. RTP is a credit-push payment rail that transfers funds in real time, 24/7/365.
- Received RTP payments are processed automatically.
- Unlike ACH, RTP does not support debit payments. Received RTP payments are credit-only.
You can get notified by listening to the receivedPayment.created webhook and inspecting the payload for a Realtime Received Payment.
Example: Receiving a Real-Time Payment of $5,000 immediately increases the available balance by that amount and creates a Received Realtime Payment Transaction.
Received Payment Statuses
A Realtime Received Payment resource is created when an incoming RTP is processed.
The Received Payment resource can have the following statuses:
| Status | Description |
|---|---|
Pending | The received Real-Time Payment has been received and is awaiting settlement to the account. |
Rejected | The received Real-Time Payment was rejected before it was settled to the account. rejectReason is populated on the received payment. See RTP reject reasons. |
Returned | The received Real-Time Payment was subsequently returned after it had been completed. returnReason is populated on the received payment. See RTP return reasons. |
TimedOut | The received Real-Time Payment timed out before it could be settled to the account. |
Completed | The received Real-Time Payment was successfully settled and credited to the account. A Received Realtime Payment Transaction is created. |
Rejects
When an RTP received payment is rejected, the Realtime Received Payment status changes to Rejected with rejectReason populated. See RTP Reject Reasons for possible values.
Returns
When an RTP received payment is returned, the Realtime Received Payment status changes to Returned with returnReason populated. See RTP Return Reasons for possible values.
Currently, returns are not sent over the RTP network. Instead, the funds are returned by originating an ACH payment, which creates an Originated ACH Transaction. There is therefore no dedicated RTP return transaction type at this time. When building support for received RTP payments, design your integration to accommodate a near-term change in which returns will be sent over the RTP network and represented by a different transaction type than Originated ACH Transaction.