Real-Time Payments (RTP) Network Transactions

This dataset provides granular, real-time records of instant payment transactions processed through The Clearing House RTP network, including sender and receiver details, settlement status, remittance information, and payment requests. It enables comprehensive analysis of payment flows, operational efficiency, and compliance monitoring in the financial sector.

  • last updated 29 Oct 2025
  • by GoMask
The brief that made it

Real-time transaction monitoring and fraud detection

Sample rows

preview · 8 of 700 rows · all 26 columns
transaction_idstringsettlement_statusstringamountfloatrequest_for_paymentbooleansender_address_countrystringtransaction_datetimedatetimecurrency_codestringsender_account_idstringsender_namestringsender_bank_idstringreceiver_account_idstringreceiver_namestringreceiver_bank_idstringremittance_informationstringnetwork_idstringinitiating_channelstringreference_numberstringsender_address_streetstringsender_address_citystringsender_address_statestringsender_address_postal_codestringreceiver_address_streetstringreceiver_address_citystringreceiver_address_statestringreceiver_address_postal_codestringreceiver_address_countrystring
TXN00001Asettled32.15falseUSA2024-06-01T08:15:22ZUSDACC100001Jason Miller021000021ACC200001Emily Carter026009593June rent paymentRTP_US_01online_bankingINV-20240601412 Oak DriveSan JoseCA95112885 Willow RdBerkeleyCA94704USA
TXN00002Bsettled2800falseGermany2024-06-01T09:42:17ZEURACC100002Sebastian MeyerDE89370400440532013000ACC200002Consulting Group GmbHDE75512108001245126199Consulting services MaySEPA_EU_01apiCONSULT202405Brunnenstrasse 35BerlinBE10115Hauptstrasse 100FrankfurtHE60313Germany
TXN00003Csettled56.9falseUSA2024-06-01T11:05:40ZUSDACC100003Linda Chen026009593ACC200003Marcus Davis021000021Dinner reimbursementRTP_US_02mobileDINNER2024061201 Maple AveDallasTX75201700 Elm StAustinTX78701USA
TXN00004Dfailed0.01trueTestland2024-06-01T13:22:11ZUSDACC100004Test User021000021ACC200004Boundary Case026009593Boundary testRTP_TEST_01apiTEST-00011 Test LaneExamplestanblank0000199 Sample BlvdExamplestanblank00002Testland
TXN00005Epending120.75trueUSA2024-06-01T15:10:52ZUSDACC100005Brittany Young122000661ACC200005Joshua King122105278Payment for utilitiesRTP_US_03online_bankingUTIL202406303 Cypress StLos AngelesCA90017401 Pine AveSan DiegoCA92101USA
TXN00006Fsettled175000falseCanada2024-06-01T16:50:28ZCADACC100006Vancouver Holdings Ltd024000020ACC200006Toronto Investments Inc003000001Investment transferRTP_CA_01apiINVTRF20240677 Burrard StVancouverBCV6C1A6220 Bay StTorontoONM5J2J5Canada
TXN00007Gsettled75falseUSA2024-06-01T18:00:02ZUSDACC100007Olivia Smith124003116ACC200007Ethan Brown122105278Birthday giftRTP_US_04mobileblank56 Birch LaneSeattleWA9810134 Cedar StTacomaWA98402USA
TXN00008Hsettled650.25falseUnited Kingdom2024-06-01T19:23:45ZGBPACC100008Edward TurnerGB29NWBK60161331926819ACC200008London Law LLPGB94BARC10161234567890Legal feesRTP_UK_FPSapiLAW20240615 WhitehallLondonblankSW1A2DD9 Fleet StLondonblankEC4Y1AAUnited Kingdom

What the 700 rows show

from the 700-row sample

Pending (settlement status) stands out: 135 of its 137 rows have request_for_payment = true, against 89 of 563 for the rest.

  • 32%request_for_payment = true
  • 382.7median amount
  • 5initiating channels
  • 10currency codes
  • 17receiver address countries
  • 67sender address states
Request for payment rate by settlement_statusrequest_for_payment = true
0%50%100%0%settled0 of 474100%failed89 of 8999%pending135 of 137
amount700 rows, in bands of 1M
0340680673139021100105M10Mamount →

Median 382.7, from 0.01 to 10,000,000.

sender_address_country700 rows · top 10 of 17 values
  1. USA422
  2. Switzerland30
  3. Testland28
  4. Japan27
  5. Canada25
  6. Australia25
  7. India24
  8. Singapore23
  9. Mexico18
  10. Germany16
26 columns by typefrom the column list below
  • string 23
  • float 1
  • datetime 1
  • boolean 1

Columns

26 columns in four groups
blueprint · 26 columns
columntypedescriptionexample
Text 23 columns
transaction_idstringUnique identifier for each RTP transactionuniqueTXN00001A
currency_codestringISO 4217 currency code for the transaction (e.g., USD, EUR)10 codesUSD
sender_account_idstringUnique identifier for the sender's accountACC100001
sender_namestringName of the sender initiating the transactionJason Miller
sender_bank_idstringIdentifier for the sender's financial institution (e.g., routing number)021000021
receiver_account_idstringUnique identifier for the receiver's accountACC200001
receiver_namestringName of the receiver receiving the transactionEmily Carter
receiver_bank_idstringIdentifier for the receiver's financial institution (e.g., routing number)026009593
remittance_informationstringRich remittance data provided with the transaction (e.g., invoice details, payment purpose)optionalJune rent payment
settlement_statusstringStatus of the transaction settlement (e.g., settled, failed, pending)settled · failed · pendingsettled
network_idstringIdentifier for the RTP network processing the transactionRTP_US_01
initiating_channelstringChannel used to initiate the transaction (e.g., mobile, online banking, API)mobile · online_banking · api · branch · other · optionalonline_banking
reference_numberstringExternal reference number for reconciliation (e.g., invoice or bill number)optionalINV-20240601
sender_address_streetstringStreet address of the senderoptional412 Oak Drive
sender_address_citystringCity of the senderoptionalSan Jose
sender_address_statestringState or province of the senderoptionalCA
sender_address_postal_codestringPostal code of the senderoptional95112
sender_address_countrystringCountry of the senderoptionalUSA
receiver_address_streetstringStreet address of the receiveroptional885 Willow Rd
receiver_address_citystringCity of the receiveroptionalBerkeley
receiver_address_statestringState or province of the receiveroptionalCA
receiver_address_postal_codestringPostal code of the receiveroptional94704
receiver_address_countrystringCountry of the receiveroptionalUSA
Numbers 1 column
amountfloatMonetary value of the transaction in the specified currency0.01 or more32.15
Dates and times 1 column
transaction_datetimedatetimeTimestamp when the transaction was processed and settled2024-06-01T08:15:22Z
True or false 1 column
request_for_paymentbooleanIndicates if the transaction was initiated as a request for paymentfalse

Use it for

  • request for pa…32%224 of 700 rowsmean amount by settle…176.7ksettled0.01failed1.6kpending

    A finance dashboard

    The request_for_payment rate, amount by settlement_status and a breakdown of sender_address_country. Excel, Power BI or Tableau.

  • Why do 224 of 700 rows have request_for_payment = true?

    A root-cause class exercise

    Hand out the rows and one question. The answer is in the data, not in the brief.

  • A software demo

    Believable transactions with transaction_datetime, amount and currency_code to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 26 columns, your size and your rules. See 20 rows before you pay.

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This dataset700 rows26 columns
Yours1,000 rows26 columnssender_address_street: UK only

blueprint · real-time-payments-rtp-network-transactions

Behind this dataset

Same schema. As many rows as you need.

These 700 rows came out of a blueprint — 26 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Transaction ID unique per payment
  • Immediate funds availability
  • Maximum $1 million per transaction
  • 24x7x365 processing
  • ISO20022 message format
  • Request for Payment feature
  • Enriched remittance data: 280 characters
  • Irrevocable once sent
Rows
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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
real-time-payments-rtp-network-transactions

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