# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# US RTP: Send funds in real time

## Overview

US Real-Time Payments (US RTP) is a payment rail that enables you to send funds from a J.P. Morgan Wallet™ Demand Deposit Account (DDA) in the US to a counterparty's bank account in the US that supports US RTP.

You can send funds 24 hours a day, 365 days a year, and the funds become available to the recipient in as little as 15 seconds.

For an overview of payment types in Wallet, see [Payments](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview).

### Use cases

You can use the US RTP payment rail to transfer funds in USD near-instantly between US banks. For example:

- Merchant services platform: Pay out a merchant's revenue to their US bank account.

- Video game company: Pay out a player's in-game currency to their US bank account.

- Marketplace platform: Pay out a seller's revenue to their US bank account.

### Key information

The following table describes important information about US RTP.

 
**Key information for US RTP**

| Production endpoint | v3.x: https://apigateway.jpmorgan.com/tsapi/v3/jpmwallet/payments/advanced-batch Use if you need to send funds from Japan or handle BGN currency. | v2.x: https://apigateway.jpmorgan.com/tsapi/v2/jpmwallet/payments/advanced-batch Use if you don't require v3. | 
| --- | --- | --- | 
| Client testing endpoint | v3.x: https://apigatewaycat.jpmorgan.com/tsapi/v3/jpmwallet/payments/advanced-batch | v2.x: https://apigatewaycat.jpmorgan.com/tsapi/v2/jpmwallet/payments/advanced-batch | 
| API reference | v3.x: [Initiate one or many PayOuts](/api/treasury/jp-morgan-wallet/doc#/operations/generatePayoutBatchTransactions) | v2.x: [Initiate one or many PayOuts](/api/treasury/jp-morgan-wallet/doc-2#/operations/generatePayoutBatchTransactions) | 
| Supported branches | J.P. Morgan Chase Bank, New York branch, or any US affiliate branches (see [Reference - Supported branches and their Business Identifier Codes](/docs/treasury/jp-morgan-wallet/reference#supported-branches-and-their-business-identifier-codes-bics)) | 
| Supported currencies | USD | 
| Supported account types | All (Demand Deposit Account - DDA and Customer Money Account - CMA) | 
| Payment type | - [PayIn](/docs/treasury/jp-morgan-wallet/capabilities/payments/incoming/payin) - [PayInto](/docs/treasury/jp-morgan-wallet/capabilities/payments/incoming/payinto) - [PayInto Collection](/docs/treasury/jp-morgan-wallet/capabilities/payments/incoming/payinto-collection) - [PayInto Receipt](/docs/treasury/jp-morgan-wallet/capabilities/payments/incoming/payinto-receipt) - PayOut - [PayOut Collection](/docs/treasury/jp-morgan-wallet/capabilities/payments/outgoing/payout-collection) | 
| Payment flows | - Domestic, same currency: USD to USD - Domestic, Foreign Exchange (FX): Not supported - Cross-border, same currency: Not supported - Cross-border, FX: Not supported | 
| Transaction limit | $1,000,000 | 
| Cut-off time | No cut-off time | 
| Settlement period | Immediately | 
| Returns, recalls, and reversals | Not supported | 
| Service level code | Set serviceLevel.code to INST | 

### Prerequisites

Before you can execute transactions using the US RTP payment rail, you must configure your Wallet program for US RTP. For more information, ask your J.P. Morgan representative.

### Reporting

US RTP transactions appear on your daily **TRANSACTION ACTIVITY** reports.

The following table is an example of what a US RTP transaction on a **TRANSACTION ACTIVITY** report might look like.

 
**TRANSACTION ACTIVITY report example**

| CLIENT ID | 0001318690 | 
| --- | --- | 
| PROGRAM ID | 1000000003 | 
| BUSINESS PROCESSING DATE | 3/10/2026 | 
| BANK NAME | JPM New York | 
| WALLET DDA NUMBER | XXXXXXXXXX | 
| WALLET CURRENCY | USD | 
| RECEIVED DATE | 3/10/2026 | 
| REQUESTED VALUE DATE | 3/10/2026 | 
| VALUE DATE | 3/10/2026 | 
| CLIENT TXN ID | h3EfSsiMAL | 
| TXN TYPE | PAYOUT | 
| DEBTOR ACCOUNT | XXXXXXXXXX | 
| DEBTOR NAME | ewallet | 
| DEBTOR VIRTUAL ACCOUNT ID | REV-VTA-20230731015717446619 | 
| DEBTOR AGENT | JPMORGAN CHASE BANK N.A. | 
| DEBTOR AGENT ID | CHASUS33XXX | 
| DEBIT AMOUNT | 0.13 | 
| DEBIT CURRENCY | USD | 
| CREDITOR ACCOUNT | XXXXXXXXXX | 
| CREDITOR NAME | ewallet creditor | 
| CREDITOR AGENT | JPMORGAN CHASE BANK N.A. | 
| CREDITOR AGENT ID | CHASUS33XXX | 
| CREDIT AMOUNT | 0.13 | 
| CREDIT CURRENCY | USD | 
| STATUS | REJECTED | 
| SETTLEMENT METHOD | RTP | 
| PRN | XXXXXXXXXX | 
| REMITTANCE INFO | This is the remittance information | 
| EXCEPTION CODE | AC03 | 
| EXCEPTION REASON | Creditor account number invalid or missing | 
| MATCHED REFERENCE ID | h3EfSsiMAL | 
| DDA NARRATIVE | This is the remittance information | 

### Notes

Both the debtor account and the creditor account must support US RTP.

## Important parameters

The following sections list important parameters in the US RTP PayOut request along with their requirements.

Not all parameters are listed here—for a complete list, see the API reference.

### Header parameters

Include the following parameters in the header.

 
**Header parameters for US RTP**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| programId | Required | Your Wallet program ID. | 
| transactionType | Required | Type of the transaction. Set to PAYOUT. | 

### Body parameters

Note the following important body parameters for US RTP PayOut transactions.

#### groupHeader

The `groupHeader` object contains information about the batch of transactions.

 
**groupHeader object in US RTP PayOut request**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| controlSum | Required | Sum of the transaction amounts in this request. Must be less than or equal to 1,000,000. | 
| creationDateTime | Required | Date and time when the batch was created. Must be in local time with the time zone offset to UTC in the following format: YYYY-MM-DDThh:mm:ss±hh:mm | 
| initiatingParty.identification.organisationIdentification.bicOrBei | Conditionally required | If you are a financial institution, enter your BIC. | 
| initiatingParty.identification.organisationIdentification.other.identification | Conditionally required | If you are a financial institution, set to BANK. | 
| initiatingParty.name | Conditionally required | Name of the initiating party (you). Maximum 35 characters. At least one parameter in initiatingParty is required. | 
| messageIdentification | Required | Unique ID of the batch of transactions. Maximum 35 characters. | 
| numberOfTransactions | Required | Total number of transactions in the batch. Must be 1-500. | 

The following code snippet is an example of the `groupHeader` object.

```json
{
    "groupHeader": {
        "messageIdentification": "MIDLL231109104238",
        "creationDateTime": "2023-11-09T15:42:38.000+0000",
        "numberOfTransactions": 1,
        "controlSum": "0.05",
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    }
}
```

#### paymentInformation

The `paymentInformation` object contains parameters related to the payment.

 
**paymentInformation object in US RTP request**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| controlSum | Required | Sum of the transaction amounts in this request. Must be less than or equal to 1,000,000. | 
| numberOfTransactions | Optional | Total number of transactions in the batch. Must be 1. | 
| paymentInformationIdentification | Required | Unique ID of the payment. Maximum 35 characters. | 
| paymentMethod | Required | Set to TRF. | 
| paymentTypeInformation.instructionPriority | Optional | Priority of the request. Set to one of the following: - HIGH: High priority. - NORM: Normal priority. | 
| paymentTypeInformation.serviceLevel.code | Required | Set to INST. For more information about service level codes, see [Payments - Service level codes](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview#service-level-codes). | 
| requestedExecutionDate | Required | Date when the transaction should be executed in YYYY-MM-DD format. Set to the current date. US RTP transactions always execute immediately—dates in the past and future are not supported. For more information about requested execution dates, see [Payments - Requested execution date](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview#requested-execution-date). | 

The following code snippet is an example of the `paymentInformation` object.

```json
{
    "paymentInformation": {
        "paymentInformationIdentification": "PIILL231109104238",
        "numberOfTransactions": 1,
        "controlSum": "0.05",
        "paymentMethod": "TRF",
        "requestedExecutionDate": "2023-11-09",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "INST"
            }
        }
    }
}
```

#### paymentInformation.debtor

The paymentInformation.`debtor` object contains information about the individual or business that represents the debtor.

 
**paymentInformation.debtor object in US RTP request**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| identification.organisationIdentification.bicOrBei | Conditionally required | If you are a financial institution, set this to your BIC. | 
| identification.organisationIdentification.other.identification | Required | If you are a financial institution, set this to BANK. Otherwise, set this to your J.P. Morgan company ID. | 
| identification.organisationIdentification.other.schemeName.proprietary | Conditionally required | If identification.organisationIdentification.other.identification is set to your company ID, set this to JPMCOID. | 
| name | Conditionally required | Name of the debtor. Maximum 140 characters. At least one parameter in paymentInformation.debtor is required. | 
| postalAddress | Conditionally required | Postal address of the debtor. Must be in the US. At least one parameter in paymentInformation.debtor is required. | 

The following code snippet is an example of the paymentInformation.`debtor` object.

```json
{
    "paymentInformation": {
        "debtor": {
            "name": "JPMC Client Name",
            "postalAddress": {
                "addressType": "ADDR",
                "streetName": "Anywhere St",
                "buildingNumber": "1605",
                "postCode": "012345",
                "townName": "Phoenixville",
                "countrySubDivision": "NY",
                "country": "US"
            }
        }
    }
}
```

#### paymentInformation.debtorAccount

The paymentInformation.`debtorAccount` object contains information about the bank account of the debtor.

 
**paymentInformation.debtorAccount object in US RTP request**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| currency | Optional | Currency of the funds in the debtor account. Must be USD. | 
| identification.other.identification | Conditionally required | ID corresponding to paymentInformation.debtorAccount.identification.other.schemeName. Maximum 35 characters. At least one parameter in paymentInformation.debtorAccount.identification is required. | 

The following code snippet is an example of the paymentInformation.`debtorAccount` object.

```json
{
    "paymentInformation": {
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "USD"
        }
    }
}
```

#### paymentInformation.debtorAgent

The paymentInformation.`debtorAgent` object contains information about the bank where the debtor account is located.

 
**paymentInformation.debtorAgent object in US RTP request**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code | Required | Set to USABA. For more information, see [Payments - Clearing system identification codes](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview#clearing-system-identification-codes). | 
| financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification | Required | If the debtor account is your Wallet DDA, set to 028000024 or 021000021 (ABA numbers of the J.P. Morgan Chase Bank, US branch). | 
| financialInstitutionIdentification.postalAddress | Optional | Postal address of the debtor bank branch. Must be in the US. | 

The following code snippet is an example of the paymentInformation.`debtorAgent` object.

```json
{
    "paymentInformation": {
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "clearingSystemMemberIdentification": {
                    "clearingSystemIdentification": {
                        "code": "USABA"
                    },
                    "memberIdentification": "021000021"
                }
            }
        }
    }
}
```

#### paymentInformation.creditTransferTransactionInformation

The paymentInformation.`creditTransferTransactionInformation` object contains information about the transaction such as the creditor, the ultimate debtor, and the ultimate creditor.

 
**paymentInformation.creditTransferTransactionInformation object in US RTP request**

| Parameter | Required / Optional | Description | 
| --- | --- | --- | 
| amount.instructedAmount.amount | Required | Amount of money in the transaction. Must be less than or equal to 1,000,000. | 
| amount.instructedAmount.currency | Conditionally required | Currency of the funds in the debtor account. Must be USD. Required if paymentInformation.creditTransferTransactionInformation.amount.instructedAmount is present. | 
| creditor.name | Required | For payments to individuals, provide the first, middle, and last names with spaces between each name. Maximum 35 characters. | 
| creditor.postalAddress | Optional | Postal address of the creditor. Must be in the US. | 
| creditorAccount.currency | Required | Three-character ISO 4217 code of the currency of the funds in the credited DDA. Must be USD. | 
| creditorAccount.identification.IBAN | Conditionally required | International Bank Account Number (IBAN) of the creditor bank account. Required if you don't provide identification.other.identification. | 
| creditorAccount.identification.other.identification | Conditionally required | ID of the credited bank account. Required if you don't provide paymentInformation.creditTransferTransactionInformation.creditorAccount.identification.IBAN. | 
| creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code | Required | Code that identifies the clearing system for the transaction. Must be USABA. For more information, see [Clearing system identification codes](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview#clearing-system-identification-codes). | 
| creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification | Required | If the creditor account is your Wallet DDA, set to 028000024 or 021000021 (ABA numbers of the J.P. Morgan Chase Bank, US branch). | 
| creditorAgent.financialInstitutionIdentification.name | Optional | Name of the creditor bank. | 
| creditorAgent.financialInstitutionIdentification.postalAddress | Optional | Postal address of the creditor bank. Must be in the US. | 
| paymentIdentification.endToEndIdentification | Required | Unique ID for tracing requests and responses for this transaction. Maximum 16 characters. | 
| paymentIdentification.instructionIdentification | Optional | Unique ID of the instruction. Maximum 35 characters. | 
| remittanceInformation.unstructured | Optional | Array of strings of remittance information. Each string must be a maximum of 140 characters. | 
| ultimateDebtor.identification.privateIdentification.other.identification | Conditionally required | ID of the VTA to debit. This or ultimateDebtor.identification.organisationIdentification is required if you include the ultimateDebtor parameter. | 
| ultimateDebtor.identification.privateIdentification.other.schemeName.proprietary | Conditionally required | This or ultimateDebtor.identification.organisationIdentification is required if you include the ultimateDebtor parameter. Set to virtualAccountIdentification. | 

The following code snippet is an example of the paymentInformation.`creditTransferTransactionInformation` object.

```json
{
    "paymentInformation": {
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "instructionIdentification": "PIDLL231109104238",
                    "endToEndIdentification": "RTPLL231109104238"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": "0.05",
                        "currency": "USD"
                    }
                },
                "ultimateDebtor": {
                    "identification": {
                        "privateIdentification": {
                            "other": [
                                {
                                    "identification": "VTA-123456",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "USABA"
                            },
                            "memberIdentification": "072000326"
                        },
                        "name": "PVT TEST BANK",
                        "postalAddress": {
                            "country": "US"
                        }
                    }
                },
                "creditor": {
                    "name": "ewallet creditor",
                    "postalAddress": {
                        "addressType": "ADDR",
                        "department": "string",
                        "subDepartment": "string",
                        "streetName": "Briarwood Ct",
                        "buildingNumber": "1605",
                        "postCode": "19460",
                        "townName": "Phoenixville",
                        "countrySubDivision": "NY",
                        "country": "US"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    },
                    "currency": "USD"
                },
                "remittanceInformation": {
                    "unstructured": [
                        "This is the remittance information"
                    ]
                }
            }
        ]
    }
}
```

## Examples

### Request with minimum required data (non-TP3)

The following example shows the minimum data required to execute a PayOut transaction using the US RTP payment rail.

```json
{
    "groupHeader": {
        "messageIdentification": "MIDLL231109104238",
        "creationDateTime": "2023-11-09T15:42:38.000+0000",
        "numberOfTransactions": 1,
        "controlSum": "0.05",
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "PIILL231109104238",
        "controlSum": "0.05",
        "paymentMethod": "TRF",
        "requestedExecutionDate": "2023-11-09",
        "paymentTypeInformation": {
            "serviceLevel": {
                "code": "INST"
            }
        },
        "debtor": {
            "name": "JPMC Client Name"
        },
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            }
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "clearingSystemMemberIdentification": {
                    "clearingSystemIdentification": {
                        "code": "USABA"
                    },
                    "memberIdentification": "021000021"
                }
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "RTPLL231109104238"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": "0.05",
                        "currency": "USD"
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "USABA"
                            },
                            "memberIdentification": "072000326"
                        }
                    }
                },
                "creditor": {
                    "name": "ewallet creditor"
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    },
                    "currency": "USD"
                }
            }
        ]
    }
}
```

### Request with optional data

The following example shows the request body of a PayOut transaction using the US RTP payment rail with optional parameters.

```json
{
    "groupHeader": {
        "messageIdentification": "MIDLL231109104238",
        "creationDateTime": "2023-11-09T15:42:38.000+0000",
        "numberOfTransactions": 1,
        "controlSum": "0.05",
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "PIILL231109104238",
        "numberOfTransactions": 1,
        "controlSum": "0.05",
        "paymentMethod": "TRF",
        "requestedExecutionDate": "2023-11-09",
        "paymentTypeInformation": {
            "instructionPriority": "HIGH",
            "serviceLevel": {
                "code": "INST"
            }
        },
        "debtor": {
            "name": "JPMC Client Name",
            "postalAddress": {
                "addressType": "ADDR",
                "streetName": "Anywhere St",
                "buildingNumber": "1605",
                "postCode": "012345",
                "townName": "Phoenixville",
                "countrySubDivision": "NY",
                "country": "US"
            }
        },
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "USD"
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASUS33XXX",
                "clearingSystemMemberIdentification": {
                    "clearingSystemIdentification": {
                        "code": "USABA"
                    },
                    "memberIdentification": "021000021"
                }
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "instructionIdentification": "PIDLL231109104238",
                    "endToEndIdentification": "RTPLL231109104238"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": "0.05",
                        "currency": "USD"
                    }
                },
                "ultimateDebtor": {
                    "identification": {
                        "privateIdentification": {
                            "other": [
                                {
                                    "identification": "VTA-123456",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "USABA"
                            },
                            "memberIdentification": "072000326"
                        },
                        "name": "PVT TEST BANK",
                        "postalAddress": {
                            "country": "US"
                        }
                    }
                },
                "creditor": {
                    "name": "ewallet creditor",
                    "postalAddress": {
                        "addressType": "ADDR",
                        "department": "string",
                        "subDepartment": "string",
                        "streetName": "Briarwood Ct",
                        "buildingNumber": "1605",
                        "postCode": "19460",
                        "townName": "Phoenixville",
                        "countrySubDivision": "NY",
                        "country": "US"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXXXX"
                        }
                    },
                    "currency": "USD"
                },
                "remittanceInformation": {
                    "unstructured": [
                        "This is the remittance information"
                    ]
                }
            }
        ]
    }
}
```

### Response

The following is the synchronous response to the previous example request.

```json
{
    "groupHeader": {
        "messageIdentification": "ddce4d72-37ab-4d15-b589-58858962ac2a",
        "creationDateTime": "2023-11-09T15:42:40.000+0000",
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "MIDLL231109104238",
        "originalMessageNameIdentification": "API-PAYOUT",
        "originalCreationDateTime": "2023-11-09T15:42:38.000+0000",
        "originalNumberOfTransactions": 1,
        "originalControlSum": 0.05,
        "groupStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 0.05
            }
        ]
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "PIILL231109104238",
        "paymentInformationStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 0.05
            }
        ],
        "transactionInformationAndStatus": [
            {
                "originalInstructionIdentification": "PIDLL231109104238",
                "originalEndToEndIdentification": "RTPLL231109104238",
                "transactionStatus": "ACTC",
                "statusReasonInformation": [],
                "acceptanceDateTime": "2023-11-09T15:42:40.589+0000",
                "accountServicerReference": "9f403c39-ba35-491b-a78b-d1a8f76147b6",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 0.05,
                            "currency": "USD"
                        }
                    },
                    "requestedExecutionDate": "2023-11-09",
                    "paymentMethod": "TRF",
                    "ultimateDebtor": {
                        "identification": {
                            "privateIdentification": {
                                "other": [
                                    {
                                        "identification": " VTA-123456",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASUS33XXX",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "USABA"
                                },
                                "memberIdentification": "021000021"
                            }
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "USABA"
                                },
                                "memberIdentification": "072000326"
                            },
                            "name": "PVT TEST BANK",
                            "postalAddress": {
                                "country": "US"
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    }
                }
            }
        ]
    }
}
```

### Notification

The following is the asynchronous notification that Wallet sends after completing the previous example request.

```json
{
    "groupHeader": {
        "messageIdentification": "c9e91dec-f65f-488c-b18c-bcc59f03f6f3",
        "creationDateTime": "2023-11-09T15:43:11.647+0000",
        "initiatingParty": {
            "name": "JPMC Client Name"
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "MIDLL231109104238",
        "originalMessageNameIdentification": "API-PAYOUT",
        "originalNumberOfTransactions": 1
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "PIILL231109104238",
        "transactionInformationAndStatus": [
            {
                "originalInstructionIdentification": "PIDLL231109104238",
                "originalEndToEndIdentification": "RTPLL231109104238",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete"
                        ]
                    }
                ],
                "acceptanceDateTime": "2023-11-09T15:42:41.152+0000",
                "accountServicerReference": "0001051313GC",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 0.05,
                            "currency": "USD"
                        }
                    },
                    "requestedExecutionDate": "2023-11-09",
                    "paymentMethod": "TRF",
                    "remittanceInformation": [
                        {
                            "remittanceInformationText": "This is the remittance information",
                            "remittanceSequenceNumber": "1"
                        }
                    ],
                    "ultimateDebtor": {
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "VTA-123456",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "021000021"
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "USABA"
                                },
                                "memberIdentification": "072000326"
                            },
                            "name": "PVT TEST BANK",
                            "postalAddress": {
                                "country": "US"
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "USD"
                    },
                    "receiver": {
                        "name": "ewallet creditor",
                        "postalAddress": {
                            "department": "string",
                            "subDepartment": "string",
                            "streetName": "Briarwood Ct",
                            "buildingNumber": "1605X",
                            "postCode": "19460",
                            "townName": "Phoenixville",
                            "countrySubDivision": "NY",
                            "country": "US"
                        }
                    }
                }
            }
        ]
    }
}
```

## TP3 PayOuts

This section explains the requirements for Third Party Payment Processor (TP3) transactions using the US RTP payment rail. For more information about TP3 transactions, see [Pay on behalf of a third party](/docs/treasury/jp-morgan-wallet/capabilities/payments/overview#tp3-pay-on-behalf-of-a-third-party).

### Flows

Wallet supports the following flows for TP3 US RTP transactions:

- NY / USD to USD

### Requirements

The following fields in the paymentInformation.`creditTransferTransactionInformation` object have specific requirements for TP3 US RTP transactions.

 
**paymentInformation.creditTransferTransactionInformation object requirements for TP3 US RTP**

| Field | Required / Optional | Requirements | 
| --- | --- | --- | 
| ultimateDebtor.name | Required | Maximum 35 characters. | 

### Example

The following is an example of the `ultimateDebtor` object in a TP3 US RTP request.

```json
"ultimateDebtor": {
    "name": "Some Name Some Name Som xx35 chars",
...
```