RTP

Compendium of RTP Rule Change Summaries, section 1 'Summary of RTP Rule Changes - Effective October 4, 2026': the edition (i) supports One Leg Out (OLO) Payments on the RTP network, (ii) modifies rules on Requests for Payment that are RTP/Zelle Messages, and (iii) makes clarifying, conforming and cleanup changes. Section I.A adds ten defined terms: Domestic Payee, Domestic Payer, Foreign Payee, Foreign Payer, OLO Beneficiary, OLO Intermediary Institution, OLO Originator, OLO Payment, Swift, UETR. Section II.B adds an exception to the prohibition on RTP Payments involving a Foreign Financial Institution to permit OLO Payments and returns of funds from them. Section II.E is renamed 'Limitations on Foreign Payments' from 'Prohibition on Foreign Payments'. New Section III.K opens an optional early-adopter period on 4 October 2026, during which Participants may send OLO Payments only to other participating early adopters; from the general availability date of 31 March 2028 every Receiving Participant must receive inbound OLO Payments except where rejection is permitted. Section III.H requires OLO Payment Messages to use the OLO local instrument code, to identify the OLO parties and the OLO Originator or Foreign Payer address, and where provided to carry date, city and country of birth, legal entity identifier, and the Swift UETR. Section II.G extends fraud reporting to fraud affecting OLO Originators and Foreign Payers. Section V.E.2 lets a Receiving Participant that responded 'accept without posting' delay its funds-availability decision beyond 11:59 p.m. the next business day when it needs information from a third party to complete a legal or compliance review. Section VII.B.2.d disapplies the Request for Payment warranty to Requests for Payment that are RTP/Zelle Messages. Changes to Section III.I.2 (Minimum Requirements for OBO Payments; Requirements for Receiving Participants) take effect 31 March 2028.

Edition effective 30 September 2026, listed as the current RTP Participation Rules in the TCH document library on 12 October 2026 and published at https://www.theclearinghouse.org/-/media/New/TCH/Documents/Payment-Systems/RTP/RTP-Participation-Rules-Effective-September-30-2026.pdf. Section 2 of The Clearing House's Compendium of RTP Rule Change Summaries states that the PayCo Board approved changes to the RTP Participation and Operating Rules to permit Indirect Domestic Send (IDS) Payments on the RTP network and to make other clarifying or clean-up changes, taking effect on September 30, 2026. In the Participation Rules, Section II.B (Obligations and Options for Participation) is renamed and adds language permitting a Participant to be an IDS Originating Institution as long as it is not the Sending Participant of the IDS Payment. The summary also records a clarifying change to the definition of depository institution in Participation Rule I.B. Supersedes the edition effective 1 June 2026, whose Participation Rules change revised the definition of Funding Participant in Rule II.A.1 to reflect that a Funding Participant may use the FedNow Liquidity Management Transfer Service to fund the Prefunded Balance Account.

Version control history of RTP Customer Display Requirements 5.0 (RTP Version 5.0, June 2026) records two June 2026 changes: the 1 July 2026 compliance date option was eliminated, and truncation guidance for Name fields was added. The preceding February 2026 update had offered Receiving Participants two implementation approaches for the pacs.008 credit transfer display requirements effective 1 July 2026, the June 2025 'Interim Approach' or the 'Final Approach' in Section 3.1, with that optionality permitted only through 31 January 2027 and all Participants required to comply with the Final Approach as of 1 February 2027. Section 3 of version 5.0 is titled 'Credit Transfer - pacs.008.001.08 (Effective February 1, 2027)'. The requirements do not apply to RTP/Zelle Payment Messages, which are subject to separate display requirements under the Zelle Rules or Early Warning Services requirements.

Version 5.0 of the RTP message specifications, whose change history begins with an August 2024 entry, revised in October 2026: the revision adds product usage requiring an address when Ultimate Debtor is present (Index 2.732), clarifies when the Connectivity Status Broadcast (960) is sent and adds the purpose code TRAD. The June 2026 revision extended the temporary exception that lets Sending Participants include a code in the Debtor name field for instant bank account validation; the specification permits such a code through 31 January 2027.