The Real-Time Payments (RTP) network from The Clearing House and the FedNow network from the Federal Reserve are real-time payments platforms that all federally insured US depository institutions are eligible to use. These payments are real-time, immediately available to the recipient (including weekends, holidays, and during non-bank hours), and settlement finality.

This endpoint provides the ability to submit a request to make a Real-Time Payment on the RTP or FedNow Networks using Victor. Please note that not all institutions are currently participating on the RTP or FedNow Networks. You can verify bank eligibility prior to submitting the request using the endpoint documented at Instant Payment Service Eligibility.