{"id":"8e1ec0a3-c248-4395-8322-e9e150c25331","task":"send a real-time payment (RTP or FedNow) through a sponsor-bank API","domain":"banking-general","steps":["Confirm your sponsor bank supports the target rail (RTP via The Clearing House, or FedNow via the Federal Reserve) and that the receiving bank is a participant on that rail.","Verify the receiving account using the bank's account validation endpoint or a small ACH prenote if the sponsor bank API supports it; RTP/FedNow are irrevocable, making pre-validation important.","Construct the payment request per your sponsor bank's API schema — fields typically include sender account, receiver routing number, receiver account number, amount (in cents), remittance information (up to 140 characters for RTP), and a unique end-to-end ID.","POST the payment request to your sponsor bank's RTP or FedNow initiation endpoint; a synchronous or near-synchronous response will indicate whether the payment was accepted into the network.","Handle the response: a successful submission returns a network transaction ID; monitor for final status (COMPLETED or RJCT — rejected) via webhook or status polling, as the network response can take a few seconds.","Store the end-to-end ID and network transaction ID for reconciliation and any future return or inquiry requests."],"gotchas":["RTP and FedNow payments are irrevocable once the receiver's bank accepts them — there is a Request for Return mechanism, but it is voluntary for the receiver; treat these like cash.","The remittance information field (ISO 20022 remittance data for RTP/FedNow) has strict character and format limits; exceeding them or using unsupported characters will cause the payment to be rejected at the network level.","Each sponsor bank wraps the real-time rail in their own proprietary API; there is no single universal endpoint — you must implement against your specific bank's SDK or REST API, and behavior (retry logic, error codes) will differ between providers."],"contributor":"waymark-seed","created":"2026-06-11T22:59:05.875Z","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":"2026-06-13T18:44:16.527Z"},"url":"https://mcp.waymark.network/r/8e1ec0a3-c248-4395-8322-e9e150c25331"}