Instant Payments

Query the directory

7min

In this tutorial, you'll learn how to:
 ✅ Identify which Instant Payments receive services are available to creditor banks through RTP® via TCH or FedNow®.
If you are new to real-time payments, check out the Instant Payments overview﻿.
This tutorial assumes familiarity with APIs. For more information, visit theAPI overview page﻿.
Before you begin
Make sure you have:
﻿API credentials﻿ 
API Endpoints used in this tutorial:
API
Description
﻿GET /rtp/v1/directory﻿ 
Returns available Instant Payments receive services
For FedNow, banks must register each routing transit number (RTN) individually. Banks may have partial RTN registration. 
Access the directory
You’ll check the available services for JP Morgan Chase Bank. The API call returns a list of service codes. If the bank supports both RTP via TCH and FedNow, codes for each network will be returned.
Call GET /rtp/v1/directory?{queryParam}={queryParamValue}.
Include at least one query parameter to filter and control the data returned.
﻿
﻿
filter.name
The official name of the financial institution (FI)
filter.routingNumber
The routing number of the recipient account (Best practice: Filter by this value for accuracy)
filter.participantId
The participant ID of the FI
filter.institutionRoutingNumber
The routing number of the FI
Enter routing number 021000021 as either routingNumber or institutionRoutingNumber to retrieve results for the financial institution.
Sample query using routing number
curl -X GET /rtp/v1/directory

'https://sandbox.crbcos.com/Rtp/v1/directory?filter.routingNumber=021000021'
curl -X GET /rtp/v1/directory

'https://sandbox.crbcos.com/Rtp/v1/directory?filter.routingNumber=021000021'
﻿
A successful API call returns a JSON response listing the supported Instant Payments services for routing number 021000021, associated with JP Morgan Chase Bank.
The receiveServices object contains the service codes.
The networkPlatform attribute specifies the Instant Payments network (e.g., RTP® or FedNow®).
If the bank participates in both networks, the response includes a separate list of services for each.
Sample directory response with both networks
{
      "networkPlatform": "TCH",
      "routingNumber": "021000021",
      "participantId": "200000020T1",
      "name": "JPMorgan Chase",
      "institutionRoutingNumber": "200000021",
      "institutionName": "JPMorgan Chase",
      "receiveServices": [
        "ACK",
        "CRDT",
        "RFI",
        "RFIR",
        "RFP",
        "RFPR",
        "RFRF",
        "RFRFR",
        "RMT"
      ],
      "receivingConnection": "JPMC",
      "participantActivationDate": "11/13/2017 12:00:00 AM",
      "extractionDateTime": "9/29/2022 7:00:00 AM",
      "lastModifiedAt": "2022-09-29T14:23:01.9180766-04:00",
      "networkPlatform": "TCH",
      "onlineStatus": "SignedOn",
      "onlineStatusChangedAt": "2022-09-15T12:22:04.9180766-04:00"
    },
    {
      "routingNumber": "021000021",
      "name": "JPMORGAN CHASE BANK, NA",
      "receiveServices": [
        "CTSR"
      ],
      "lastModifiedAt": "2022-09-29T14:23:01.9180766-04:00",
      "networkPlatform": "FedNow",
      "onlineStatus": "SignedOn",
      "onlineStatusChangedAt": "2022-09-15T12:22:04.9180766-04:00"
    }

{
      "networkPlatform": "TCH",
      "routingNumber": "021000021",
      "participantId": "200000020T1",
      "name": "JPMorgan Chase",
      "institutionRoutingNumber": "200000021",
      "institutionName": "JPMorgan Chase",
      "receiveServices": [
        "ACK",
        "CRDT",
        "RFI",
        "RFIR",
        "RFP",
        "RFPR",
        "RFRF",
        "RFRFR",
        "RMT"
      ],
      "receivingConnection": "JPMC",
      "participantActivationDate": "11/13/2017 12:00:00 AM",
      "extractionDateTime": "9/29/2022 7:00:00 AM",
      "lastModifiedAt": "2022-09-29T14:23:01.9180766-04:00",
      "networkPlatform": "TCH",
      "onlineStatus": "SignedOn",
      "onlineStatusChangedAt": "2022-09-15T12:22:04.9180766-04:00"
    },
    {
      "routingNumber": "021000021",
      "name": "JPMORGAN CHASE BANK, NA",
      "receiveServices": [
        "CTSR"
      ],
      "lastModifiedAt": "2022-09-29T14:23:01.9180766-04:00",
      "networkPlatform": "FedNow",
      "onlineStatus": "SignedOn",
      "onlineStatusChangedAt": "2022-09-15T12:22:04.9180766-04:00"
    }
﻿
Even if a financial institution lists a specific service, it does not guarantee that the creditor or debtor account at that institution is eligible for it.
Available Instant Payments services for TCH
Code
Description
Details
CRDT
Credit Transfer
Permits receipt of Credit Transfer (pacs.008)
RFP
Request for Payment
Permits receipt of Request for Payment (pain.013)
ACK
Payment Acknowledgement
Permits receipt of Payment Acknowledgement (camt.035)
RMT
Remittance Advice
Permits receipt of Remittance Advice (remt.001)
RFI
Request for Information
Permits receipt of Request for Information (camt.026)
RFRF
Request for Return of Funds
Permits receipt of Request for Return of Funds (camt.056)
RFPR
Request for Payment Response
Permits receipt of Request for Payment Response (pain.014)
RFIR
Request for Information Response
Permits receipt of Request for Information Response (camt.028)
RFRFR
Request for Return of Funds Response
Permits receipt of Request for Return of Funds Response (camt.029)
Available Instant Payments services for FedNow
Code
Description
Details
CTRO
Credit Transfer Receive Only
Indicates a FedNow participant is enabled to receive but not send customer credit transfer messages.
CTRO
Credit Transfer Receive Send
Indicates a FedNow participant is enabled to send and receive customer credit transfer messages.
RFPR
Request For Payment Receive
Indicates a FedNow participant is enabled to receive request for payment messages.
﻿

API	Description
GET /rtp/v1/directory	Returns available Instant Payments receive services


filter.name	The official name of the financial institution (FI)
filter.routingNumber	The routing number of the recipient account (Best practice: Filter by this value for accuracy)
filter.participantId	The participant ID of the FI
filter.institutionRoutingNumber	The routing number of the FI

Code	Description	Details
CRDT	Credit Transfer	Permits receipt of Credit Transfer (pacs.008)
RFP	Request for Payment	Permits receipt of Request for Payment (pain.013)
ACK	Payment Acknowledgement	Permits receipt of Payment Acknowledgement (camt.035)
RMT	Remittance Advice	Permits receipt of Remittance Advice (remt.001)
RFI	Request for Information	Permits receipt of Request for Information (camt.026)
RFRF	Request for Return of Funds	Permits receipt of Request for Return of Funds (camt.056)
RFPR	Request for Payment Response	Permits receipt of Request for Payment Response (pain.014)
RFIR	Request for Information Response	Permits receipt of Request for Information Response (camt.028)
RFRFR	Request for Return of Funds Response	Permits receipt of Request for Return of Funds Response (camt.029)

Code	Description	Details
CTRO	Credit Transfer Receive Only	Indicates a FedNow participant is enabled to receive but not send customer credit transfer messages.
CTRO	Credit Transfer Receive Send	Indicates a FedNow participant is enabled to send and receive customer credit transfer messages.
RFPR	Request For Payment Receive	Indicates a FedNow participant is enabled to receive request for payment messages.

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Updated 21 Jan 2025

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