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Move Money Instantly With RTP® On The VoPay Network

Send funds in real-time to US bank account holders 24/7/365.

Speed up cashflow and drive more revenue for your business by offering instant payouts using the RTP® payment rail from The Clearing House®.

Make Payments Happen In Real-Time

Don’t leave your customers waiting. Delight users and grow your business with instant payments on the VoPay platform.

Embedded RTP Payments

Build RTP payments into your platform using our API and access over 250 endpoints to manage your transactions.

Unlimited Virtual Wallets

Manage the movement of funds using VoPay’s ledger management technology to access virtual wallets.

Higher Sending Limits

Send up to $1 million in a single transaction and gain the power to scale your business alongside your payments.

24/7/365 Instant Payouts

Move money in real-time with no down-time and reap the benefits of no clearing times, no NSFs and no reversals.

Move Money In Real-Time With Unlimited Virtual Accounts

Send funds to bank account holders using dedicated virutal walets to separate the flow of funds.

Example: A company speeds up payroll by sending earnings to employees in real-time using separate accounts for each business branch.

Gain Clarity With Two-Way Messages On The RTP Network

RTP uses ISO 20022 to offer two-way communication between the sender and receiver to make confirmations and requests simple and standardized.

Receive payment confirmations, send Request for Payment (RPF) messages, and add complex data to payments to improve reconciliation activities.

Enhance Cashflow And Collections With RTP Request For Payment

Send payment requests to help you collect owed funds faster and at a higher rate than simply waiting for funds.

Reduce the amount of time spent chasing payments by handling everything through the RTP network.

Level-Up Business Operations With Instant Payments

Transform how you make enterprise payments in the US with next-generation transactions on the RTP network.

Level up cashflow, streamline supply chains and move funds with speed and confidence using instant payments with VoPay.

RTP Payments For Any Industry

Our integration recipes are designed to give businesses in any industry the tools to start processing RTP transactions as quickly as possible.

Gig Economy

Faster earned wage payouts for workers to keep them loyal to your platform.

Lending

Attract more customers to your business with instant loan payments.

Supply Chains

Expedite payments to your suppliers and improve commercial activities.

Account To Account

Move money between US bank accounts instantly with no clearing times.

Payroll

Send instant payouts to company staff to meet your payroll needs.

Dedicated Payment Portal For RTP Transfers

Use our Payment Portal to send and collect payments across multiple payment rails, including payouts via RTP.

Manage your transactions, view your account balances and access detailed financial reporting to gain valuable insights into user behavior.

Access Our API For Full Control Of RTP Payments

Our payment API comes full loaded with everything you need to manage the complete payment lifecycle.

Send RTP payments with our revolutionary API that comes with predefined recipes and over 250 endpoints.

  • cURL
  • JavaScript
  • PHP
  • Python

Access Our API For Full Control Of RTP Payments

Our payment API comes full loaded with everything you need to manage the complete payment lifecycle.

Send RTP payments with our revolutionary API that comes with predefined recipes and over 250 endpoints.

Frequently Asked Questions

What is the RTP network?
The RTP network, created by The Clearing House, is a real-time payments system. It's the first major update to the US payments infrastructure in over 40 years. Financial institutions can access the RTP network directly through The Clearing House or via a third-party provider. This network enables quick 24/7/365 money transfers for individuals and businesses within seconds.
Who is the RTP network for?
The RTP network is for any business that wants to send money in real-time, or companies that want to offer its users instant sending and receiving capabilities.
What are real-time payments?
Real-time payments are payments that clear and settle almost instantly, with funds moving from payor to payee in real-time, without the need for a clearing period.
Should I offer RTP along with ACH, wires, and other payment products?
Adding RTP to your payment options provides your customers with more choices and flexibility in terms of speed and delivery methods. This enhances the value you offer to them.
Is the RTP network available internationally?
No, the RTP network is exclusively designed for making payments between bank accounts within the United States. Both the sending and receiving banks must be participants in the RTP network for transactions to take place.
Are there transaction limits for RTP?
At present, credit transactions of up to $1,000,000 per transaction are allowed as per The Clearing House guidelines.
Are RTPs (Real-Time Payments) secure?
Yes, they are, thanks to a robust process known as tokenization, which hides sensitive data when it is transmitted.

Speak to a Fintech Advisor Today!

Get Started
1

Speak To Our Team

Speak to a Fintech Advisor to outline your needs and impact plan.

2

Access Sandbox

Start testing in the VoPay sandbox to explore our advanced API functions.

3

Sign & Onboard

Our compliance and onboarding team will guide you through the process.

4

Go Live!

Choose a production date and launch your integration with confidence!

1

Speak To Our Team

Speak to a Fintech Advisor to outline your needs and impact plan.

2

Access Sandbox

Start testing in the VoPay sandbox to explore our advanced API functions.

3

Sign & Onboard

Our compliance and onboarding team will guide you through the process.

4

Go Live!

Choose a production date and launch your integration with confidence!

Get to know the VoPay API

Get access to our developer friendly API and get a feel for how our payment solutions work.

I agree to the VoPay API Terms of Use.

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