THE 2026 EDITION IS HERE
RTP® 101: An Introduction to the RTP® Network
The self-paced course that takes you from “what is RTP®?” to confidently explaining how real-time payments work, who can send them, and what the rules require. Fully updated for the RTP® Operating Rules effective October 4, 2026.
Launch price: $224 $299 through October 13, 2026
31
Video Lessons
5
Modules
4+
Hours of Instruction
5
Pop Quizzes
Book
Included
What's New in 2026
The RTP® Network changed more in 2026 than in any year since it launched. Four brand new lessons cover the biggest changes, plus a fully re-recorded lesson on foreign payments.
Indirect Domestic Send (IDS)
How banks and credit unions that reach the network through a corporate credit union or banker's bank can now send RTP® payments for their own customers and members.
One Leg Out (OLO)
One of the biggest changes since the network went live: payments where one leg happens outside the RTP® Network, and the rules that come with them.
On Behalf Of (OBO)
The OBO framework that replaced the retired Payment Service Provider (PSP) rules, and what it means for Participants and the businesses they serve.
Indemnification
Who covers what when a claim is made, now that a single RTP® payment can involve more parties than ever.
Also Updated
- The $10 million RTP® Network transaction limit and who can set lower limits
- The tightened Accept Without Posting rules for Receiving Participants
- The Request for Payment exception for RTP® Zelle® messages
- Foreign payments, including the Domestic Payer and Domestic Payee requirements
- Retired Payment Service Provider (PSP) references removed throughout
- Updated pop quizzes that match the new rules
What You Get
- 31 self-paced video lessons in 5 modules, over 4 hours of instruction
- 5 pop quizzes with the Professor's explanations after every question
- The companion book, RTP® 101: Introduction to RTP®, 2026 Edition, included
- Learn at your own pace, on any device
- Plain-English explanations built for bankers, credit union staff, fintechs, and regulators
INCLUDED WITH THE COURSE
RTP® 101: Introduction to RTP®, 2026 Edition
Every enrollment includes the companion book, updated throughout for IDS, OLO, OBO, Accept Without Posting, indemnification, and RTP® Zelle® Request for Payment messages. Keep it at your desk as a quick reference long after you finish the videos.
The Course at a Glance
Module 1
RTP® Introduction
What the network is, who operates it, what it can and cannot be used for, and the rules for foreign, IDS, and OLO payments.
Module 2
The RTP® Participants
Eligibility, the main Participants, the funding roles, and On Behalf Of (OBO) payments.
Module 3
Key Concepts and Compliance
The obligations of every Participant, Sending and Receiving Participant duties, and indemnification.
Module 4
RTP® Messaging
ISO® 20022 messages and the Request for Payment (RFP) feature, including compliance and authorization.
Module 5
Prefunding and Settlement
How money actually moves: prefunding, the RTP® Day, liquidity management, and real-time settlement.
COMING SOON
Every RTP® Course Is Getting the 2026 Treatment
RTP® 101 is just the start. Updated versions of all of my RTP® courses are on their way, built on the 2026 RTP® Operating Rules.
The Payments Professor RTP® Certificate Course
Fully re-recorded with new decks for every module, covering IDS, OLO, OBO, indemnification, and FedNow® LMT funding of RTP®.
RTP® Reconciliation, Settlement, and Funds Availability
Refreshed from top to bottom, with a new lesson on FedNow® LMT funding and a new companion publication.
RTP® Request for Return of Funds
Rebuilt as a new course on RTP® exceptions and getting money back, with a companion book.
RTP® Risks, Rules, & Regulations
Being updated for the 2026 RTP® rules changes.
MEET YOUR INSTRUCTOR
Kevin Olsen, AAP, APRP, AFPP, NCP
The Payments Professor
Kevin is a payments educator and keynote speaker known for making complicated payment rules simple, engaging, and easy to remember. His courses and publications are used by banks, credit unions, fintechs, and regional payments associations across the country.
Questions
Who is this course for?
Anyone who works with or around real-time payments: bank and credit union operations staff, managers, compliance and risk professionals, fintechs, service providers, and regulators. No prior RTP® experience is needed.
Is the book included?
Yes. The RTP® 101: Introduction to RTP®, 2026 Edition book is included with the course and can be downloaded from the first lesson.
I already own the course. Do I need to buy it again?
No. Everyone who already owns the course has the 2026 update at no additional cost. Just log in and open your Library.
Can I get access for my whole team?
Yes. Contact us for group and organization pricing for your team.
Real-time payments keep moving. Keep up with them.
Get RTP® 101, 2026 Edition, for $224 through October 13, 2026. Regularly $299.