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 a validation mechanism that accepts a routing number and returns whether or not the financial institution associated with the routing number is currently participating on the RTP / FedNow Networks and if so, what services are available to the institution.