Real-Time Payments (RTP®)

Work faster and smarter. RTP provides payments with expedited funds availability,
simplified processing, and integrated information sharing.

Have control over your cash flow with a new system that makes payments immediate and predictable. Now, payments can be sent, received, and credited within seconds to help better manage cash flow, receive goods faster, and solve for reconciliation issues.

As the first new payment system in the U.S. in more than 40 years, RTP® is addressing the need for faster payments. RTP offers accelerated money movement combined with integrated invoice detail to give you the ability to send and receive funds 24 hours a day, 7 days a week, 365 days a year.


Payments sent/received at any time - 24/7, 365 days a year. Availability of funds within seconds, 24/7/365.


Credit transactions only – your deposit account(s) can send and receive RTP credit transactions


Allows for more detailed information to be provided with payment remittance

COMING SOON: Enhanced data sharing to facilitate messaging between participants
  • Request for Payment (RfP) allows certain account types to request payments that can be completed as a response to the request
  • Request for Information (RfI) allows for real-time information exchange between biller and payer, like text messaging
  • More extensive invoice/remittance data included in payment messaging which helps reduce customer inquiries regarding payment status

RTP simplifies the payment process by digitizing not only the movement of funds but the exchange of information to create transparency between the payer and payee to reduce cash float and improve the reconciliation process.

How RTP helps with your operations and cash flow efficiency

  • Link invoice details and payment-related data to allow for automated reconcilement
  • Allow for messaging capabilities facilitating dialogue between buyer and seller within the payment rail retaining all correspondence about a payment with the payment itself
  • Facilitate communication between billers and payers about invoice receipt, payment status and remittance detail


  • Supports immediate distribution and access of funds in emergency situations
  • Eliminates late fees or service disruption when immediate payment is needed
  • Accelerates delivery of goods and services in cash on delivery arrangements
  • Aligns payment with the day the work is completed
Frequently Asked Questions


RTP supports how people live and work today by delivering a faster payment solution. The Clearing House, a payments company that is owned by the largest commercial banks–including Huntington–developed the RTP network to address the increased demand for faster, safer payment methods. The network clears and settles payments 24/7/365, allowing for the prompt delivery and availability of funds.


Simply provide your Huntington routing number and account number to a payer that is able to send RTP credits. Real-Time Payments will be directly credited into your account similar to other types of electronic transactions. You will be able to view your transaction details in online banking or on your account statement.


RTP payments can be sent using Huntington’s Payment Center and/or Integrated Payables Treasury Management solutions.


You will be able to view your transaction details in online banking, mobile banking or on your account statement.


Yes. RTP transactions move directly through banking channels and are protected by bank security measures.


As the name implies, RTP is real time, allowing you to optimize your cash flows. RTP credits posted to your account will be available within seconds. RTP also provides improved communication between the payer and payee by giving the payer the option to include additional information like remittance data with the transaction.


Since the RTP network transacts 24/7/365, RTP credits are available in your Huntington deposit account within seconds.


Business customers may contact Huntington at 1-800-480-2001 regarding a dispute or to request that a block be placed on their account to prevent all RTP credits from posting.


The RTP network is designed to address unmet customer needs across all customer segments (B2B, B2C, C2B, P2P, A2A, G2C, etc.). Consumers, businesses, and the government can use the RTP network in different ways. Consumer accounts are able to receive Real-Time Payments. Business and Government accounts are able to send and receive RTPs.


Yes, the credit transfer limit on the RTP network is currently $1,000,000.


Once funds are authorized and submitted, funds may not be recalled, but the network does help facilitate communication around return of funds sent in error.

Contact a Relationship Manager

For a deeper conversation surrounding Treasury Management products and services offered by Huntington, please complete the form below.

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RTP® is a registered service mark of The Clearing House Payments Company L.L.C.