--- title: Get service info slug: tutorials/api/instant-payments/get-service-info description: Identify which Instant Payments receive services are available to creditor banks through RTP® via TCH or FedNow®. docTags: createdAt: 2024-08-09T14:06:17.178Z --- ## What you will learn ✅ How to identify which Instant Payments receive services are available to creditor banks through **RTP® via TCH or FedNow®.** :::hint{type="info"} If you are new to instant payments, check out the [instant payments](docId\:U_TnYPQ3-5yepG7jKD5FK) overview. This tutorial assumes familiarity with APIs. For more information, visit [API basics](docId\:pUTTCwQ5SKLzxYzIn5D1b). ::: ## Before you begin Make sure you have: - [API credentials](docId\:wmg-1Fqwq3bj-D3c3HFfs) API endpoints used in this tutorial: | API | Description | | ------------------------------------------------------ | --------------------------------------------------- | | [GET /rtp/v1/directory](docId\:KdgFKJ1Rv7Dq0VNusrSJw) | Returns available Instant Payments receive services | :::hint{type="info"} 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. :::CodeblockTabs Sample query using routing number ```curl 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. :::CodeblockTabs Sample directory response with both networks ```json {       "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"     } ``` ::: :::hint{type="info"} 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. |