TCH RTP Insights

What is TCH RTP?

TCH RTP, or Real-Time Payments, is a real-time payments system in the United States operated by The Clearing House (TCH). It allows for immediate clearing and settlement of payments between participating financial institutions, 24/7/365. It is commonly used for a variety of payment scenarios, including business-to-business (B2B), business-to-consumer (B2C), and peer-to-peer (P2P) payments, as well as bill payments and account transfers. Its key features include immediate funds availability, rich data capabilities, and support for request-for-payment messages.

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What other technologies are related to TCH RTP?

TCH RTP Competitor Technologies

Zelle

Zelle is a direct competitor as it provides a competing service for real-time payments, focusing on consumer-to-consumer and some business-to-consumer payments.

mentioned alongside TCH RTP in 6% (61) of relevant job posts

ACH

ACH (Automated Clearing House) is a competitor because it is an alternative electronic funds transfer system, though generally slower than RTP.

mentioned alongside TCH RTP in 2% (66) of relevant job posts