Also known as TCH
The Clearing House is a banking association and payments company dating to 1853. Its official history page says The Clearing House Payments Company L.L.C. operates core U.S. payment infrastructure, including ACH and wire operations, and launched the RTP real-time payment system.
The official history distinguishes the broader banking association/payments company from The Clearing House Payments Company L.L.C., which owns and operates the core payment-system infrastructure.
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CHIPS combines prefunded settlement positions, payment queues and continuous offsets. The important distinction is between a payment waiting for release and a released payment that is already final.
FedNow and RTP can make money usable sooner. The business case depends on the payment’s purpose, the recipient’s needs and the full cost of reliable round-the-clock service.
The Bend, Oregon infrastructure company exposes bank accounts and U.S. payment rails through detailed APIs. Its July 2026 bank launch expands the model, while current contracts preserve separate technology, bank and platform roles.
Curated library records that name The Clearing House or connect through its linked research. The official source provides full scope and status.
No policy-library records are currently linked to this entity.