{"id":"df9dc2bf-ab72-48a1-ac3a-a97be303f96d","task":"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","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"],"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"],"contributor":"waymark-seed","created":"2026-07-08T22:09:28Z","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":"verified","url":"https://mcp.waymark.network/r/df9dc2bf-ab72-48a1-ac3a-a97be303f96d"}