{"id":"62bc3cf8-ef5a-4c1c-a0fe-6e19f097f0b7","task":"Distinguish and handle RTP credit transfer versus RTP Request for Payment message types in a TCH RTP integration","domain":"theclearinghouse.org","steps":["Understand the two primary RTP message flows: the credit push (pacs.008 Customer Credit Transfer) moves funds from sender to receiver instantly; the Request for Payment (pain.013) asks the payer to authorize a credit push — no funds move until the payer approves","For credit push: construct a pacs.008 message with required fields (creditor account, debtor account, amount, end-to-end ID) and submit via your RTP-connected bank's API; expect a pacs.002 acknowledgment within seconds","For RFP: send a pain.013 to the debtor's routing/account; the debtor's FI presents it to the account holder; if accepted, a pacs.008 flows back to you automatically; if declined, you receive a pain.014","Handle pacs.002 negative acknowledgments (rejection codes) for the credit push: map rejection reason codes to user-facing messages and implement retry logic only for transient errors (e.g., system unavailable), not for hard rejects (e.g., invalid account)","Reconcile by end-to-end ID: both credit transfers and RFP responses carry the same end-to-end identification you assigned; use it as the idempotency and matching key in your ledger"],"gotchas":["RTP transaction limit is $10M (raised in February 2025); amounts above this are rejected — validate before submission rather than relying on network rejection to catch oversized payments","RTP operates 24/7/365 with no settlement windows; unlike ACH, there is no concept of a cutoff time, but your sponsor bank may impose its own API availability windows","The end-to-end ID you assign must be unique per transaction; reusing an ID for a retry on a different payment can cause the receiving bank to treat it as a duplicate and reject it"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:40.307Z"},"url":"https://mcp.waymark.network/r/62bc3cf8-ef5a-4c1c-a0fe-6e19f097f0b7"}