# RTP field reference

The following tables describe the **data requirements for creating `identityIDs`** when making payments through the **US • USD • RTP (Real-Time Payments) corridor.**

Each table corresponds directly to one of the JSON schema files used in the [Payment Data Requirements Utility](/products/payments-direct-2/v2025.11/api-docs/integration-resources/payment-data-requirements-form). The schemas define the precise fields you must include when constructing an `identityID`.

## How to read these tables

* **Identity Type:** Originator (sender) or Beneficiary (recipient).
* **Use Case:** Individual or Business.
* **Field Path:** Technical field name aligned with the JSON schema (e.g., `Cdtr.Nm`, `DbtrAcct.Id.IBAN`).
* **Description:** Human-readable explanation of what the field means.
* **Required:** Whether the field is mandatory for this schema.
* **Validation:** Field constraints such as character limits, regex patterns, or enumerated values.


## Organization of the tables

For RTP, three tables are provided:

1. [Originator • Business](#originator--business)
2. [Beneficiary • Individual](#beneficiary--individual)
3. [Beneficiary • Business](#beneficiary--business)


### Originator • Business

| Field Path | Description | Required | Validation |
|  --- | --- | --- | --- |
| **Dbtr.Id.OrgId.Othr.Id** | Originator Tax Identification Number | Yes | 1–50 chars; regex: `/^[A-Za-z0-9]{0,50}$/` |
| **Dbtr.Id.OrgId.Othr.SchmeNm.Cd** | Originator Organization ID Document Type | Yes | 4 chars; enum: `[Tax ID:TXID]` |
| **Dbtr.Nm** | Originator Name | Yes | 1–150 chars; regex: `/^[\w,.&()-]{1,150}$/` |
| **Dbtr.PstlAdr.Ctry** | Originator two-letter Country Code | Yes | 2 chars; regex: `/^[A-Za-z]{2}$/` |


### Beneficiary • Individual

| Field Path | Description | Required | Validation |
|  --- | --- | --- | --- |
| **Cdtr.Id.PrvtId.DtAndPlcOfBirth.BirthDt** | Beneficiary Date of Birth | Yes | 10 chars; regex: `YYYY-MM-DD` |
| **Cdtr.PstlAdr.AdrLine** | Beneficiary Postal Address | Yes | 0–250 chars; regex: `/^[\w #@!,.&()\\/\\-]{1,250}$/` |
| **Cdtr.PstlAdr.Ctry** | Beneficiary two-letter Country Code | Yes | 2 chars; regex: `/^[A-Za-z]{2}$/` |
| **Cdtr.PstlAdr.CtrySubDvsn ** | Beneficiary State, County, or Province | Yes | 2 chars; regex: `/^[A-Za-z]{2}$/` |
| **Cdtr.PstlAdr.PstCd** | Beneficiary Postal Code | Yes | 5–10 chars; regex: `/^[a-zA-Z0-9\s-]{3,10}$/` |
| **Cdtr.PstlAdr.TwnNm** | Beneficiary City | Yes | 1–150 chars; regex: `/^[\w #@!,.&()\\/\\-]{1,150}$/` |
| **Cdtr.StrdNm.FirstNm** | Beneficiary Given Name | Yes | 0–50 chars; regex: `/^[\w ,.&()-]{0,50}$/` |
| **Cdtr.StrdNm.LastNm** | Beneficiary Family Name | Yes | 0–50 chars; regex: `/^[\w ,.&()-]{0,50}$/` |
| **CdtrAcct.Id.Othr.Id** | Beneficiary Account Number | Yes | 4–21 chars; regex: `/^[0-9]{4,21}$/` |
| **CdtrAcct.Id.Othr.SchmeNm.Cd** | Beneficiary Account Number ID Code | Yes | 4–5 chars; enum: `[Basic Bank Account Number:BBAN]` |
| **CdtrAcct.Tp.Cd** | Beneficiary Account Type | Yes | 4 chars; enum: `[Checking:CACC |
| **CdtrAgt.FinInstnId.ClrSysMmbId.ClrSysId.Cd** | Beneficiary Bank Identifier Clearing System Code | Yes | 4–10 chars; enum: `[US ACH Bank Routing Number:USABA]` |
| **CdtrAgt.FinInstnId.ClrSysMmbId.MmbId** | Beneficiary Bank Identifier | Yes | 9 chars; regex: `/^[0-9]{9}$/` |


### Beneficiary • Business

| Field Path | Description | Required | Validation |
|  --- | --- | --- | --- |
| **Cdtr.Id.OrgId.Othr.Id** | Beneficiary Tax ID | Yes | 1–50 chars; regex: `/^[A-Za-z0-9]{0,50}$/` |
| **Cdtr.Id.OrgId.Othr.SchmeNm.Cd** | Beneficiary ID specification code | Yes | 5 chars; enum: `[Tax ID:TXID]` |
| **Cdtr.Nm** | Beneficiary Corporate Name | Yes | 1–150 chars; regex: `/^[\w ,.&()-]{0,150}$/` |
| **Cdtr.PstlAdr.AdrLine** | Beneficiary Business Postal Address | Yes | 0–250 chars; regex: `/^[\w #@!,.&()\\/\\-]{1,250}$/` |
| **Cdtr.PstlAdr.Ctry** | Beneficiary two-letter Country Code | Yes | 2 chars; regex: `/^[A-Za-z]{2}$/` |
| **Cdtr.PstlAdr.CtrySubDvsn** | Beneficiary State, County, or Province | Yes | 2 chars; regex: `/^[A-Za-z]{2}$/` |
| **Cdtr.PstlAdr.PstCd** | Beneficiary Business Postal Code | Yes | 5–10 chars; regex: `/^\d{5}([\-]\d{4})?$/` |
| **Cdtr.PstlAdr.TwnNm** | Beneficiary Business City | Yes | 1–150 chars; regex: `/^[\w #@!,.&()\\/\\-]{1,150}$/` |
| **CdtrAcct.Id.Othr.Id** | Beneficiary Business Bank Account Number | Yes | 4–21 chars; regex: `/^[0-9]{4,21}$/` |
| **CdtrAcct.Id.Othr.SchmeNm.Cd** | Beneficiary Account Number ID Code | Yes | 5 chars; enum: `[Basic Bank Account Number:BBAN]` |
| **CdtrAcct.Tp.Cd** | Beneficiary Business Bank Account Type | Yes | 4 chars; enum: `[Checking:CACC |
| **CdtrAgt.FinInstnId.ClrSysMmbId.ClrSysId.Cd** | Beneficiary Business Bank Identifier Clearing System Code | Yes | 4–10 chars; enum: `[US ACH Bank Routing Number:USABA]` |
| **CdtrAgt.FinInstnId.ClrSysMmbId.MmbId** | Beneficiary Business Bank Identifier Code | Yes | 9 chars; regex: `/^[0-9]{9}$/` |