RTR Wave 1 target launch: Q4 2026
By the Team that Built and Operationalized RTR at Payments Canada
Every Payments Canada member participant must accept RTR payments. For those who also enable RTR Send, instant payments represent the most significant new product opportunity in Canadian banking in over a decade. Altitude delivers both, from strategy to live operations, on a fixed price.
Mandatory compliance for all Payments Canada Members
Create competitive differentiation
Most efficient path to full RTR
Everything in RTR Receive plus RTR Send, delivered as a single integrated program. Shared discovery, shared architecture and a single program team eliminate duplication and reduce total cost.
Recommended for organizations that are serious about RTR as a product, not just a compliance checkbox. Altitude applies a package discount to bundled engagements.
Current state, connection options, gap assessment and a costed path to launch.
Settlement, ISO 20022 messaging, fraud controls, product and operating model design.
Technology delivery, partner and CSP integration, channel experience build.
Payments Canada certification testing, operational readiness and 24/7/365 run model.
Go-live execution, monitoring, issue resolution and post-launch optimization.
Every stage is fixed-price. You know what you're spending before we start, and incentives are aligned to deliver.
Altitude leads strategy, design, program management and build. One engagement, one accountability.
Your engagement team consists of Senior Principals. Our Principals designed and operationalized the RTR network, and built national-scale payments platforms at Canada's largest institutions.
We are not a generalist team. Our team has deep domain expertise in RTR, ISO 20022, RPAA and open banking.
Let's scope your RTR path, from readiness to live operations.
Or explore our full payments modernization practice.