What is an example of a non-value message in RTP?

A non-value message in the RTP (Real-Time Payments) network refers to communication that does not involve the transfer of funds or financial transactions. The request for information is a prime example of such a non-value message, as it involves seeking clarification or data without initiating or representing any monetary exchange. This type of messaging is essential in facilitating communication between parties, maintaining transparency, and ensuring all related queries are addressed without impacting the financial aspects of transactions.

In RTP, other options such as transaction confirmation, payment request, and refund notification all involve some level of value exchange or financial activity, making them value messages rather than non-value messages. Understanding the distinction between these types of messages is crucial for navigating the RTP system effectively and ensuring proper communication practices.