Resources
Response Types
Real-Time Payments supports the following response types for the status of a payment:
RECEIVEDACCEPTEDPROCESSINGCANCELEDREJECTEDCOMPLETEDRETURNED
For additional detail on status and sub-status responses, refer to Status response and error codes.
Purpose codes
Select markets require a purpose code for successful transactions. A purpose code is issued by a market’s Clearing house and identifies the purpose of a transaction. The following tables list supported purpose code values for Real-Time Payments in select regions. Markets that do not appear on this page do not require purpose codes.
Hong Kong (FPS)
Purpose code |
Description |
|---|---|
|
Salary and benefits payment Not applicable to dividend payment. For dividend payment, it would be classified as general business payment (“CXBSNS”) |
|
General business payment |
Purpose code |
Description |
|---|---|
|
Salary and benefits payment Not applicable to dividend payment. For dividend payment, it would be classified as general business payment (“CXBSNS”) |
|
General business payment |
|
FPS merchant payment |
|
Account top-up payment |
Indonesia (BI-FAST)
Purpose code |
Description |
|---|---|
|
Indicates a wealth transfer |
|
Indicates an investment payment |
|
Indicates a purchase |
|
Indicates a salary and benefits payment |
|
Use when the payment cannot be categorized by another available Purpose code |
Malaysia (RPP)
Purpose code |
Description |
|---|---|
|
Food and live animals |
|
Beverages and tobacco |
|
Crude materials, inedible, except fuels |
|
Mineral fuels, lubricants, and related materials |
|
Animal and vegetable oils, fat, and waxes |
|
Chemicals and related products, not classified elsewhere |
|
Manufactured goods |
|
Machinery, non-customized packaged software, and transport equipment |
|
Power lines, pipelines, and undersea communication cables |
|
Miscellaneous manufactured articles |
|
Commodities and transactions not classified elsewhere |
|
Refunds relating to goods transactions |
|
Non-monetary gold |
|
Merchanting trade in Malaysia |
|
Merchanting trade abroad |
|
Goods for processing (manufacturing services) |
|
Repair and maintenance of aircraft, ships, and other transport equipment |
|
Freight by air |
|
Freight by sea |
|
Freight by other modes of transportation |
|
Passenger fare by air |
|
Passenger fare by sea |
|
Passenger fare by other modes of transportation |
|
Airport services |
|
Port services |
|
Other terminal facilities |
|
Charter of aircraft (with crews) |
|
Charter of ships and vessels (with crews) |
|
Charter of other modes of transport (with crews) |
|
Postal and courier services |
|
Fees for salvage operations |
|
Goods and services purchase by travelers |
|
Travel for pilgrimage and religious observances |
|
Travel for medical treatment |
|
Education-related |
|
Goods and services purchased through business and official travel |
|
Goods and services purchase by short-term workers |
|
Construction and installation services In Malaysia |
|
Construction and installation services abroad |
|
Premium paid/received on high-risk insurance/Takaful relating to fire, marine, aviation, etc. |
|
Premium paid/received on other general insurance/Takaful |
|
Premium paid/received on life insurance/Takaful |
|
Premium paid/received on reinsurance/Retakaful |
|
Premium paid/received on insurance/Takaful on goods |
|
Claims settlements on high-risk insurance/Takaful relating to fire, marine, aviation, etc. |
|
Claims settlements on other general insurance/Takaful |
|
Claims settlements on life insurance/Takaful |
|
Claims paid/received on reinsurance/Retakaful |
|
Claims paid/received on insurance/Takaful on goods |
|
Auxiliary insurance services |
|
Explicitly charged financial services |
|
Explicit margins on the buying and selling of financial instruments |
|
Explicitly charged asset management services |
|
Financial intermediation service charges indirectly measured (FISIM) |
|
Charges associated with intellectual property rights |
|
License fees to reproduce and distribute intellectual property |
|
Telecommunication services |
|
Computer services |
|
Information services |
|
Rentals/operating leasing of aircraft (without crews) |
|
Rentals/operating leasing of ships and vessels (without crews) |
|
Rentals/operating leasing of other transport equipment (without crews) |
|
Rentals/operating leasing of dwellings, other buildings and machinery |
|
Sharing of administrative expenses |
|
Research and development services |
|
Architectural, engineering, and other technical services |
|
Agricultural, mining, and on-site processing |
|
Trade-related services |
|
Waste treatment services |
|
Other business services |
|
Advertising, market research and public opinion polling services |
|
Legal services |
|
Accounting services |
|
Management consulting services |
|
Audio-visual and artistic related services |
|
Health services |
|
Education services |
|
Heritage and recreational services |
|
Other personal services |
|
Other services transactions |
|
Refunds relating to services transactions |
|
Wages and salaries in cash |
|
Wages and salaries in kind/benefits attributable to employees |
|
Employer's social contributions |
|
Taxes on products and productions |
|
Subsidies on products and productions |
|
Rental on natural resources |
Singapore (FAST)
Purpose code |
Description |
|---|---|
|
Business expenses |
|
Employee bonus |
|
Cable TV bill |
|
Credit card payment |
|
Charity |
|
Collection of funds initiated via a credit transfer or direct debit |
|
Commission |
|
Car park charges |
|
Cash disbursement |
|
Debit card payment |
|
Dividends payment |
|
Dental services |
|
Study/tuition fees |
|
Late fees and charges |
|
Foreign Worker Levy payment |
|
Purchase and sale of goods |
|
Government insurance |
|
Goods and services tax |
|
Hospital care services |
|
Installment/hire-purchase agreement |
|
Insurance premium |
|
Intra-company payment |
|
Interest payment |
|
Mutual funds, investment products, and shares |
|
Invoices |
|
Transfer of a loan to a borrower |
|
Medical care services |
|
Net income tax |
|
Other payment purposes |
|
Telephone bill |
|
Property tax |
|
Road tax |
|
Rebate |
|
Refund |
|
Rent |
|
Salaries |
|
Study/tuition costs |
|
Payment to a supplier |
|
Taxes |
|
Telecommunications-related bills |
|
Charges levied by a town council |
|
Trade services operation |
|
Treasury operations |
|
Payment to top-up prepaid card and electronic road pricing for the purpose of transportation |
|
Payment to common utility providers that provide gas, water, and/or electricity |
|
Withholding tax |
Payment limits
Real-Time Payments are subject to maximum payment amounts, which vary per market. The bank and the schemes periodically review these limits in response to market demands and conditions.
Market / Scheme |
Payment limits (per transaction) |
|---|---|
Australia (NPP) |
AUD 100,000 |
Brazil (PIX) |
BRL No limit |
Hong Kong (FPS) |
HKD 999,999 |
Indonesia (BI-FAST) |
IDR 250,000,000 |
Malaysia (RPP) |
MYR 10,000,000 |
Mexico (SPEI) |
Monday to Friday:
Saturday & Sunday: MXN 11,400 |
SEPA Zone (SEPA Instant) |
EUR 100,000 |
Singapore (FAST) |
SGD 200,000 |
United Kingdom (UK FPS) |
GBP 1,000,000 |
United States (TCH) |
USD 1,000,000 |
United States (FedNow) |
USD 500,000 |
Beneficiary banks
A beneficiary bank is the bank that holds the account you are sending money to. The following table can help you identify a beneficiary bank in the region of your choice:
Region |
Reference link |
Notes |
|---|---|---|
Australia (NPP) |
||
Brazil (PIX) |
https://www.bcb.gov.br/content/estabilidadefinanceira/pix/ListadeparticipantesdoPix.pdf |
|
Hong Kong (FPS) |
https://www.hkicl.com.hk/eng/information_centre/clearing_code_and_branch_code_list.php |
|
Indonesia (BI-FAST) |
https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_256923.aspx |
|
Malaysia (RPP) |
||
Mexico (SPEI) |
Accounts in Mexico, known as CLABE accounts, have 18 digits. The first three numbers indicate the beneficiary bank code. However, on Banxico´s web page, the bank codes are the last three digits of the institution code. |
|
SEPA Zone (SEPA Instant) |
https://www.ebaclearing.eu/services/rt1/participants/ and https://www.ecb.europa.eu/paym/target/tips/facts/html/index.en.html |
The bottom of each page contains a link to download a CSV file of all registered participants. |
Singapore (FAST) |
||
United Kingdom (UK FPS) |
Filter be "FPS". |
|
United States (TCH) |
https://www.theclearinghouse.org/payment-systems/rtp/rtp-participating-financial-institutions |
|
United States (FedNow) |
https://www.frbservices.org/financial-services/fednow/organizations |
Duplicate logic
Real-Time Payments transactions are irrevocable. If the same transaction is sent twice, the status of the original transaction is returned. To confirm the status of any transaction, get the status of a Real-Time Payments request.
How we handle duplicate transactions
The Global Payments API supports the ability for idempotent calls. This is useful in various scenarios, such as initiating payments or attempting to retry a failed request (for instance, due to network issues).
A Real-Time Payments transaction is deemed to be a duplicate by the Global Payments API if the original transaction has the same endToEndId. If two transactions are sent with the same endToEndId within 60 days, the transaction is identified as duplicate, and the status of the original transaction is returned.
Reporting
Real-Time Payments are provided in standard reports either on J.P. Morgan Access Online or through Host-to-Host Direct Transmission. Please contact your J.P. Morgan representative for more information on accessing your reports.
You can identify RTP transactions by their unique BAI codes in the reports. Refer to the table below for more information.
Type |
Detail code |
Detail code description |
Summary code |
Summary code description |
ISO domain |
ISO family |
ISO sub-family |
SWIFT |
|---|---|---|---|---|---|---|---|---|
CR |
158 |
Real Time Payment |
159 |
Total Real Time Payments Credits |
|
|
|
|
DR |
458 |
Real Time Payment |
459 |
Total Real Time Payments Debits |
|
|
|
|
Sanctions screening
J.P. Morgan screens all payment information to comply with United States OFAC regulations, applicable non-United States sanctions, and national and international anti-terrorism laws.
Character set restrictions
UK FPS
The UK Faster Payment System (FPS) character set is restricted to the following:
| Character | Note |
|---|---|
| A to Z | Uppercase |
| a to z | Lowercase |
| 0 to 9 | |
| / | Forward slash |
| - | Minus sign |
| ? | Question mark |
| : | Colon |
| ( | Left parantheses |
| ) | Right parantheses |
| . | Point |
| , | Comma |
| ’ | Right single quote |
| ' | Apostrophe |
| + | Plus sign |
| SPACE | |
| # | Hash |
| = | Equals |
| ! | Exclamation mark |
| ” | Right double quote |
| % | Percentage |
| & | Ampersand |
| * | Asterick |
| < | Less than |
| > | Greater than |
| ; | Semicolon |
| { | Left curly bracket |
| @ | Commercial at |
Mexico (SPEI)
Valid Characters:
| Code | Character | Code | Character | Code | Character | Code | Character |
|---|---|---|---|---|---|---|---|
| 32 | Espacio | 56 | 8 | 83 | S | 111 | o |
| 33 | ! | 57 | 9 | 84 | T | 112 | p |
| 34 | " | 58 | : | 85 | U | 113 | q |
| 35 | # | 59 | ; | 86 | V | 114 | r |
| 36 | $ | 63 | ? | 87 | W | 115 | s |
| 37 | % | 64 | @ | 88 | X | 116 | t |
| 38 | & | 65 | A | 89 | Y | 117 | u |
| 39 | ' | 66 | B | 90 | Z | 118 | v |
| 40 | ( | 67 | V | 92 | \ | 119 | w |
| 41 | ) | 68 | D | 95 | _ | 120 | x |
| 42 | * | 69 | E | 97 | a | 121 | y |
| 43 | + | 70 | F | 98 | b | 122 | z |
| 44 | , | 71 | G | 99 | c | ||
| 45 | - | 72 | H | 100 | d | ||
| 46 | . | 73 | I | 101 | e | ||
| 47 | / | 74 | J | 102 | f | ||
| 48 | 0 | 75 | K | 103 | g | ||
| 49 | 1 | 76 | L | 104 | h | ||
| 50 | 2 | 77 | M | 105 | i | ||
| 51 | 3 | 78 | N | 106 | j | ||
| 52 | 4 | 79 | O | 107 | k | ||
| 53 | 5 | 80 | P | 108 | l | ||
| 54 | 6 | 81 | Q | 109 | m | ||
| 55 | 7 | 82 | R | 110 | n |
Invalid characters:
| Code | Character |
|---|---|
| 130 | é |
| 160 | á |
| 161 | í |
| 162 | ó |
| 163 | ú |
| 164 | ñ |
| 165 | Ñ |
| 168 | ¿ |
| 173 | ¡ |