T229 · Cat-19 · Real-Time Payments · Network Participation

RTP Network Participation Checker

Check eligibility and onboarding requirements for FedNow (US), RTP/TCH (US), PIX (Brazil), UPI (India), PayTo/NPP (Australia), Faster Payments (UK), and SEPA Instant (EU). Outputs eligibility assessment, step-by-step onboarding checklist, technical requirements, and participation Policy Mandate JSON. Client-side. Zero PII.

Zero PII · Client-side
Last Reviewed · 2026-05-12

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.
Institution Profile
Network Participation Assessment
Regulatory Citations
  • [1] Federal Reserve, FedNow Service Participation Requirements, 2023
  • [2] The Clearing House, RTP Network Participation Guide, 2024
  • [3] Banco Central do Brasil, PIX Regulation Circular 4,027, 2020
  • [4] NPCI, UPI Procedural Guidelines, 2023
  • [5] Australian Payments Network, NPP / PayTo Regulations, 2024
  • [6] Pay.UK, Faster Payments Scheme Rules, 2024
  • [7] EPC, SEPA Instant Credit Transfer (SCT Inst) Rulebook, v1.1 2023
About This Tool

This tool evaluates participation eligibility across seven real-time payment networks based on institution type, jurisdiction, regulatory status, ISO 20022 readiness, and settlement model. Networks are assessed individually with eligibility status, onboarding steps, and key technical requirements.

⚠ Participation requirements change as networks evolve. Always verify current requirements directly with the network operator. Client-side. Zero PII.

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