Get service info

What you will 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 instant payments, check out the instant payments overview.

This tutorial assumes familiarity with APIs. For more information, visit API basics.

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.

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.

{
      "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	Customer Credit Transfer Receive Only	Participant can receive instant credit transfers and returns.
CTSR	Customer Credit Transfer Send and Receive	Participant can send and receive instant credit transfers and returns.
RFPR	Request For Payment Receive	Participant can receive and respond to Request for Payment messages.