What is the time frame for resolving 'accept without posting' responses in RTP?

The correct time frame for resolving 'accept without posting' responses in Real-Time Payments (RTP) is by 11:59 p.m. local time the next business day. This guideline ensures that financial institutions provide a structured timeline for addressing these responses, which is essential for maintaining efficient transaction processing and customer service.

The choice of the next business day allows financial institutions to manage their operations effectively while providing sufficient time for them to verify and process the necessary information. By setting this deadline, the RTP framework ensures that users can have an expectation of when their transactions will be confirmed or any issues addressed, contributing to overall confidence in the faster payments ecosystem.

This timeline is critical for supporting the immediacy of RTP transactions and helps institutions maintain a swift workflow without compromising operational controls. This structured resolution timeframe ultimately enhances trust and reliability in the RTP system.