RTP Inquiry

Search and review real-time payment transactions

Enable partner applications to search RTP transaction activity and retrieve detailed real-time payment information through KeyBank’s RTP Inquiry API. This API helps organizations monitor payment status, investigate specific transactions, support reconciliation, and review transaction details through a secure API connection.

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Features

RTP transaction search

  • Search real-time payment transactions using account number and date range.
  • Filter transaction results by amount range or request reference.
  • Use pagination controls to manage larger result sets.

Transaction detail lookup

  • Retrieve detailed RTP transaction information using a transaction ID.
  • Review transaction status, transaction amount, transaction date, and status timestamp.
  • Access available creditor, debtor, originator, beneficiary, and account information.

Payment status visibility

  • Review RTP transaction status values such as COMPLETED, FAILED, CANCELLED, IN PROCESS, IN REVIEW, and RETURNED.
  • The transaction status timestamp identifies when the transaction status last changed.
  • Support operational monitoring and exception review with structured status data.

Reconciliation support

  • Use transaction IDs, request references, sender references, remittance information, and custom data to support reconciliation workflows.
  • Retrieve virtual account information when available.
  • Review remittance details, invoice references, or customer-related payment information associated with the transaction.

Workflow

The RTP Inquiry API enables partner applications to search RTP transaction activity, retrieve transaction details, and use returned status information for payment monitoring, reconciliation, and exception handling.

Use cases

Monitor RTP payment status

A treasury or operations team can use the RTP Inquiry API to review the status of real-time payment transactions.

Investigate a specific real-time payment

A business can use the transaction ID to retrieve detailed payment information and support customer service, operations, or exception review.

Support RTP reconciliation workflows

A finance team can use transaction IDs, request references, sender references, remittance information, and custom data to reconcile real-time payment activity.

Important to know

  • All KeyBank APIs require certificates, user credentials, and certain permissions.
  • Account number and date range are required when searching RTP transactions.
  • The transaction ID is returned in the RTP transaction list response and is required to retrieve details for a specific RTP transaction.
  • Custom data can be retrieved from the detail endpoint when available.