Cross River RTP®

Bring the future into real time

Life moves fast - funds should too. Through COS, Cross River’s Operating System and API-based core, create a streamlined connection to The Clearing House’s RTP® network. It’s time to enable customers with immediate access to funds.

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Features

Real-time benefits anytime

with Cross River's API connection to RTP®

Real-time settlement of funds

Available 24/7/365, real-time has no down-time. RTP® provides settlement of funds within seconds after business hours, on weekends, during holidays, and any time in between.

Real-time payment collections

Now collect payments instantly with Request for Payment (RfP). Send secure payment requests through the RTP® network that customers can approve and pay immediately. Cross River's expertise in instant payouts now extends to instant pay-ins — enabling complete real-time cash flow management in both directions.

Real-time risk assessment required

Allow your customers to settle transactions in seconds and let Cross River’s RESTful APIs take care of the rest.

Real-time direct API connection

With a direct connection to The Clearing House’s RTP® network, there’s no need to rely on any third-party providers for end-to-end, real-time money movement. Cross River’s technology makes money movement more efficient for you and your customers.

Real-time transaction allowances

With a transaction limit of $1M per transaction, the RTP® payment rail allows you to send and receive more funds with less friction.

Real-time cash flow

Equip your customers to manage day-to-day cash flows better by working with authorized RTP® sending and receiving FIs like Cross River. Leverage Cross River’s subledgers to manage your customers on an individual basis, providing them with the visibility they need to take advantage of RTP®.

RfP

Instant Pay-ins to fuel instant payouts

Turn payment requests into instant cash flow with Request for Payment (RfP) functionality – powered by the RTP® network. Cross River, known for enabling fast payouts, will strengthen real-time payment capabilities to include instant pay-ins.

Good funds, instantly

Receive money that’s fully cleared and ready to use the moment it arrives—no holds, no uncertainty.

Instant settlement

Payments are finalised the second they’re made, with no delays or batch processing.

Always-on processing

Transactions can happen anytime 24/7/365 - including nights, weekends, and holidays.

Push payment model

Funds are sent directly by the payer, not pulled from their account later.

“Through our partnership with Cross River, Plaid Transfer now offers instant pay-ins, instant payouts and Same Day ACH, as part of a full solution with best-in-class account linking and optimized conversion, so customers can tailor bank payments across their business.”
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Brian Dammeir
Global Head of Payments and Financial Management
Plaid

How RTP helps our customers
move money faster

500K+

Faster loan payouts with real-time disbursement

Discover how

20%+

Faster loan payouts with real-time disbursement

Discover how

$18M+

Faster loan payouts with real-time disbursement

Discover how

500K+

Faster loan payouts with real-time disbursement

Discover how
RTP®

Uses for RTP®

RTP enables instant, always-on money movement—no delays, no batch processing. It gives businesses faster access to funds, improves cash flow, and supports a range of use cases from payroll to insurance payouts.

Fiat on/off ramp

Instantly convert crypto to cash (or vice versa).

Discover how

Payroll

Pay employees in real-time, not just biweekly.

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Insurance payout

Send claim money the moment it's approved.

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Earned wage access

Let workers access earnings right after their shift.

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High-value purchases

Settle large transactions instantly with partners like Carvana.

Discover how

Explore with Cross River x Trustly

Discover how businesses are using RTP infrastructure today.

Discover how

Frequently Asked Questions

Should I offer RTP® along with ACH, wires and other payments products?
What is the RTP® network?
Is the RTP® network available globally?
Are there any limits for RTP® Transactions?

Availability

Real-time payments are subject to network availability and participation of the recipient’s financial institution.

Compliance Notice

Use of RTP services is subject to applicable regulatory requirements and internal risk reviews.

Processing Time

“Instant” refers to the RTP network’s capability; delays may still occur due to fraud screening or banking limits.

  1. Real-time payments are subject to network availability and participation of the recipient’s financial institution.
  2. Use of RTP services is subject to applicable regulatory requirements and internal risk reviews.
  3. “Instant” refers to the RTP network’s capability; delays may still occur due to fraud screening or banking limits.