# Adds support for received credits sent via the Real-Time Payments network

## What’s new

Adds support for received credits sent over The Clearing House’s [Real-Time Payments network](https://www.theclearinghouse.org/payment-systems/rtp). When funds arrive in a [Treasury](https://docs.stripe.com/treasury.md) financial account over the RTP network, the resulting [ReceivedCredit](https://docs.stripe.com/api/treasury/received_credits/object.md?api-version=2026-09-30.endive) has a [network](https://docs.stripe.com/api/treasury/received_credits/object.md?api-version=2026-09-30.endive) value of `rtp`.

+The [supported_networks](https://docs.stripe.com/api/treasury/financial_accounts/object.md?api-version=2026-09-30.endive) property of an ABA financial address includes `rtp` where available. You can simulate RTP received credits in test mode by passing `network: "rtp"` to the [test helper](https://docs.stripe.com/api/treasury/received_credits/test_mode_create.md?api-version=2026-09-30.endive).

RTP transfers settle within seconds, are available around the clock, and are irrevocable. Credit reversals for RTP received credits are blocked, with [reversal_details.restricted_reason](https://docs.stripe.com/api/treasury/received_credits/object.md?api-version=2026-09-30.endive#received_credit_object-reversal_details-restricted_reason) set to `network_restricted`.

## Impact

Treasury financial accounts can now receive funds over The Clearing House’s RTP network. You can identify these incoming transfers by the `rtp` network value in the API.

If your integration reads the `network` property on Treasury Received Credits or the `supported_networks` property on Financial Account financial addresses, it can now encounter the `rtp` value. These properties are [open enums](https://docs.stripe.com/api/enums.md?api-version=2026-09-30.endive), so no changes are required if your code already handles unknown enum values gracefully. If your code uses strict enum matching, update it to handle `rtp`.

## Changes

#### REST API

| Value | Change | Enums |
| --- | --- | --- |
| `rtp` | Added | [Treasury.FinancialAccount.financial_addresses[].supported_networks](/api/treasury/financial_accounts/object?api-version=2026-09-30.endive#financial_account_object-financial_addresses-supported_networks), [Treasury.ReceivedCredit.testHelpers#create.network](/api/treasury/received_credits/test_mode_create?api-version=2026-09-30.endive#test_mode_create_received_credit-network), [Treasury.ReceivedCredit.network](/api/treasury/received_credits/object?api-version=2026-09-30.endive#received_credit_object-network) |

#### Ruby

This change doesn’t affect the Ruby SDK.

#### Python

| Value | Change | Enums |
| --- | --- | --- |
| `rtp` | Added | [Treasury.FinancialAccount.FinancialAddress.supported_networks](/api/treasury/financial_accounts/object?api-version=2026-09-30.endive#financial_account_object-financial_addresses-supported_networks), [treasury.ReceivedCreditCreateParams.network](/api/treasury/received_credits/test_mode_create?api-version=2026-09-30.endive#test_mode_create_received_credit-network), [Treasury.ReceivedCredit.network](/api/treasury/received_credits/object?api-version=2026-09-30.endive#received_credit_object-network) |

#### PHP

| Value | Change | Enums |
| --- | --- | --- |
| `rtp` | Added | [Treasury.FinancialAccount.financial_addresses[].supported_networks](/api/treasury/financial_accounts/object?api-version=2026-09-30.endive#financial_account_object-financial_addresses-supported_networks), [Treasury.ReceivedCredit.network](/api/treasury/received_credits/object?api-version=2026-09-30.endive#received_credit_object-network) |

#### Java

| Value | Change | Enum |
| --- | --- | --- |
| `rtp` | Added | [treasury.ReceivedCreditCreateParams.network](/api/treasury/received_credits/test_mode_create?api-version=2026-09-30.endive#test_mode_create_received_credit-network) |

#### Node.js

| Value | Change | Enums |
| --- | --- | --- |
| `rtp` | Added | [Treasury.FinancialAccount.financial_addresses[].supported_networks](/api/treasury/financial_accounts/object?api-version=2026-09-30.endive#financial_account_object-financial_addresses-supported_networks), [Treasury.ReceivedCreditCreateParams.testHelpers.network](/api/treasury/received_credits/test_mode_create?api-version=2026-09-30.endive#test_mode_create_received_credit-network), [Treasury.ReceivedCredit.network](/api/treasury/received_credits/object?api-version=2026-09-30.endive#received_credit_object-network) |

#### Go

| Value | Change | Enums |
| --- | --- | --- |
| `rtp` | Added | [TreasuryFinancialAccountFinancialAddress.SupportedNetworks](/api/treasury/financial_accounts/object?api-version=2026-09-30.endive#financial_account_object-financial_addresses-SupportedNetworks), [TreasuryReceivedCredit.Network](/api/treasury/received_credits/object?api-version=2026-09-30.endive#received_credit_object-Network) |

#### .NET

This change doesn’t affect the .NET SDK.

## Upgrade

#### REST API

1. [View your current API version](https://docs.stripe.com/workbench/guides.md#view-api-versions) in Workbench.
2. If you use an SDK, upgrade to the corresponding SDK version for this API version.
   - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api-versions.md#how-versions-are-specified-in-requests) to include `Stripe-Version: 2026-09-30.endive`
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Ruby

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Ruby SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Python

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Python SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### PHP

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your PHP SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Java

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Java SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Node.js

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Node SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Go

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Go SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### .NET

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your .NET SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

## Related changes

- [Renames the Reserve Release reason enum value](https://docs.stripe.com/changelog/endive/2026-09-30/reserve-release-reason.md)
- [Adds destination property and new enum values to Reserve Plans, Holds and Releases](https://docs.stripe.com/changelog/endive/2026-09-30/settlement-reserve-api.md)
- [Exposes ACH return codes on OutboundPayments, OutboundTransfers, and InboundTransfers in v1 Treasury](https://docs.stripe.com/changelog/endive/2026-09-30/v1-treasury-ach-return-codes.md)