The Clearing House is a banking association and payments company owned by the largest commercial banks, and dates back to 1853. The Clearing House Payments Company L.L.C. owns and operates core payments system infrastructure in the United States and is currently working to modernize that infrastructure by building a new, ubiquitous, real-time payment system. The Payments Company is the only private-sector ACH and wire operator in the United States, clearing and settling nearly $2 trillion in U.S. dollar payments each day, representing half of all commercial ACH and wire volume. Its affiliate, The Clearing House Association L.L.C., is a nonpartisan organization that engages in research, analysis, advocacy and litigation focused on financial regulation that supports a safe, sound and competitive banking system.
RTP – built for all U.S. financial institutions with 24×7 immediacy, certainty, and bank-grade security that are required in a new payments rail. In addition, RTP includes the information/conversation tools financial institutions can use to transform the end-to-end payments experience.
Secure Token Exchange – a service to manage token issuance and authentication for mobile and ecommerce transactions.
ACH – provides safe, efficient and cost-effective processing of electronic transactions in a batch environment.
CHIPS – the largest private sector USD clearing system in the world, clearing and settling $1.5 trillion in domestic and international payments per day.
Image Exchange – this utility allows financial institutions of all sizes to exchange check images in the most efficient and cost effective way.
Companies that integrate with The Clearing House
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