Operational Considerations for Non-Value Messages Guide
Developed by the FPC Operational Considerations Work Group, this guide provides financial institutions with best practices and considerations for implementing and managing non-value messages that support instant payment transactions. It explores key message types, including Request for Payment, Request for Return of Funds, Request for Information, remittance messages, and administrative system messages.
The guide also addresses operational workflows, fraud and risk management, regulatory compliance, and technology integration, while highlighting differences in messaging capabilities and requirements between the RTP® Network and FedNow® Service.