2026 EDITION | INSTANT DIGITAL DOWNLOAD
RTP® Self-Audit Toolkit
The complete working system for your annual RTP® self-audit: organized, documented and ready for the audit committee. Built on The Clearing House's RTP® Participant Self-Audit Workbook and updated for the RTP® Operating Rules effective October 4, 2026.
$499 one-time | single-institution license
Get the Toolkit: $499
Every RTP® Participant owes an annual self-audit
RTP® Operating Rule IX.A.2 requires every Participant to complete an annual self-audit of its compliance with the RTP® Operating Rules. The rules effective October 4, 2026 add One Leg Out payments, new indemnification provisions and TCH®-required third-party audits, so this year's audit has new ground to cover.
The toolkit gives your team the whole system in one place: a recommended sequence, working papers, evidence requests, testing steps and a finished report format. Organized from the first hour to the audit committee meeting.
What's inside: ten deliverables, one complete audit system
START HERE Implementation Guide
The recommended audit sequence and a first-hour setup checklist, so your team knows exactly where to begin.
Master RTP® Self-Audit Field Guide
Your guide to running the full self-audit across the 40 Workbook topics and the supplemental procedures.
Self-Audit Workpapers (Excel)
14 sheets with a findings log, evidence request tracker, TPSP tracker, reconciliation check and version control. Readable 11-point layout with editable input areas for your notes.
Evidence and Testing Guide
Evidence and testing for all 40 topics, plus the supplemental procedures for the new rules.
TPSP Evidence Request Package and Letter
Two documents for requesting audit evidence from your third-party service providers.
Sample Self-Audit Report
A model report to follow when you document your results.
Audit Committee Executive Summary
A summary format for presenting your self-audit results to the audit committee.
Support Templates
Supporting templates you complete as you work the audit, in editable Word and PDF.
40-Topic Quick Reference Card
All 40 Workbook topics at a glance, for quick reference while you test.
Updated for the RTP® Operating Rules effective October 4, 2026
Some of the new rules have no Workbook topic yet. The toolkit adds supplemental procedures so they are covered in your audit.
S1 Minimum Requirements for One Leg Out (OLO) Payments
Operating Rule III.K
S2 Indemnification for Certain Claims
Operating Rule III.L
S3 TCH®-Required Third-Party Audits
Operating Rule IX.A.1.b
Split-period testing flags. Topics amended September 30 and October 4, 2026 are flagged for split-period testing, so each part of your audit period is tested against the rules in effect at the time.
Built for the teams that own the RTP® self-audit
RTP® operations, compliance, risk and internal audit teams at banks and credit unions that send or receive RTP® payments, including institutions that rely on a third-party service provider. Whether one person runs the audit or it is coordinated across departments, everyone works from the same sequence, the same evidence list and the same report format.
How it works
1. Download
Get instant access in your Payments Professor library right after checkout.
2. Start Here
Open the START HERE Implementation Guide and complete the first-hour setup checklist.
3. Work the 40 topics
Test each topic and the supplemental procedures, logging evidence and findings in the Excel workpapers.
4. Report
Present your results to the audit committee using the Sample Self-Audit Report and Executive Summary.
License: single-institution license for internal use by one bank or credit union. Not for resale or for delivering fee-based audit services to third parties. Need a firm or multi-institution license? Ask about licensing or email kevin@paymentsprofessor.com.
Before you buy: please ask your IT team to allow the paymentsprofessor.com domain, including email from kevin@paymentsprofessor.com, so your welcome email and download access arrive.
Frequently asked questions
What formats are included?
Who is licensed to use it?
Does it cover One Leg Out (OLO) payments?
Does it replace the official TCH® Self-Audit Workbook?
We rely on a third-party service provider. Does the toolkit help?
Is it current with the October 4, 2026 rules?
How do I make sure my download arrives?
Round out your RTP® compliance program
RTP® Risk Assessments
Examiner-ready, auto-scoring risk assessments for RTP® participants, matched to how your institution uses the network.
The RTP® Certificate Course
Train your team on the RTP® network and its rules, with quizzes and a certificate of completion.
RTP® Exception Processing Package
The plain-English book on RTP® exceptions and the Request for Return of Funds, plus sample policies and procedures.
Bring a finished RTP® self-audit to your audit committee
Download the RTP® Self-Audit Toolkit and give your team the sequence, the workpapers, the evidence requests and the report format in one place.
Get Instant Access: $499An audit-assistance product. Not legal, regulatory, accounting or audit advice, and not a substitute for the official RTP® governing documents. Not affiliated with, sponsored by, or endorsed by The Clearing House. RTP® is a registered service mark of The Clearing House Payments Company L.L.C.
Kevin Olsen, AAP, APRP, AFPP, NCP, CHPC, The Payments Professor
