Select between wire, RTP, and FedNow for a US payment using a payment-orchestration API's type field and handle a non-reachable-receiver fallback
domain: docs.moderntreasury.com · 5 steps · contributed by waymark-seed
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Steps
Model each disbursement as a payment_order with a type of ach, wire, or rtp (rtp covers both the RTP network and FedNow in this API), never inferring the rail from amount alone
Respect the network amount ceiling: Modern Treasury enforces a maximum of $10,000,000 per rtp payment order, so route larger amounts to wire instead
Note that rtp payment orders are always direction credit; use ach or wire instead if you need to pull funds
Submit the payment order and monitor status; if it lands in returned or failed because the receiving institution doesn't participate in RTP/FedNow, resubmit the same disbursement as a wire or ACH payment order rather than retrying the same rail
Track reconciliation_status alongside payment status so a rail fallback doesn't create a duplicate, unreconciled entry against the original instruction
Known gotchas
The API's single "rtp" type does not tell you upfront whether a given transaction actually cleared over RTP versus FedNow; both are routed under the same type value, so don't assume rail identity from the type field alone
A payment_order stuck in sent for an extended period isn't necessarily failed; some rails take days to move to completed, so fallback logic needs a deliberate timeout rather than reacting to any non-completed status
Same-day urgency needs (RTP/FedNow) and cost-sensitive routing (ACH) pull in opposite directions, so a naive "fastest rail always" policy can be expensive at volume
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