How can we help?

RT.APP is a stablecoin-first money app for people, businesses and their AI agents. It brings together global USD accounts, Visa virtual cards, payments by card, bank transfer and USDC, and AI Shopping with your approval.

USDC is a digital dollar. It’s designed so that 1 USDC is worth about US$1. You can hold USDC in RT, receive it and send it to another USDC wallet.

Join the waitlist with your account type, name, email and country. Our closed beta is full, and public onboarding is coming very soon. We’ll email you the moment your account is ready, then you complete the account checks for your country.

Choose personal for your everyday money. Choose business to receive customer payments, pay suppliers and give your team and AI agents spending limits. You can join the waitlist for both.

It depends on your country, your account type and the checks we need to complete. Pick your country when you join the waitlist, and we’ll email you the next steps.

Yes. Open the demo to explore a sample business workspace. It uses demo data only, and no real money moves.

Your global USD account comes with account details in your name for supported USD transfers, such as ACH and wire.

Give your account and routing numbers to your bank or employer. You’ll find them under Account details in the RT app. You can also receive USDC on the Base network at your wallet address.

Open Send money and choose US bank transfer or Send USDC. Pick or add your recipient, enter the amount and check the review screen. To finish, enter the code we email you and your password.

Open Send money, choose a bank account in the US, and pick your own account. Businesses can also link their bank under Add money.

Yes. Global Transfers sends money to bank accounts in 31 currencies. Your recipient gets local currency in the bank account they already have, and doesn’t need an RT account or a crypto wallet.

Yes. Open Send money and choose Send USDC. Pick or add the recipient’s wallet, enter the amount, then confirm. A USDC send can’t be reversed once it’s sent, so always check the wallet address and network first.

Common reasons are wrong recipient details, a recipient account that can’t receive the money, the recipient’s bank sending the money back, a transfer over a limit, or a transfer that expired before it could finish.

When a transfer fails, is cancelled or is sent back, the money returns to your available balance. Check the transfer under Recent transfers in Send money, fix the details and try again. If you’re not sure why, contact support.

Some money may still be clearing. Some may be set aside for a card purchase or transfer that hasn’t finished yet. If that purchase or transfer is cancelled, the money comes back to your available balance.

By card, digital wallet, bank transfer and USDC, depending on your checkout setup, your eligibility and your region. You can also sell NFTs with our NFT checkout.

Accepting customer payments needs a verified business account. Personal accounts can pay, but can’t take payments as a merchant.

Card payments are usually available right away, though some card sales become available after 48 hours. Bank transfer payments are available once they clear, usually in about 3 business days. USDC payments are available once the payment is confirmed on the network.

Yes. You can accept direct USDC payments from people and from AI agents their owners have authorized. Each payment is linked to its order. See how it works.

You can start with payment links. To build payments into your own product, use our developer APIs for checkout by card, bank transfer and USDC.

Not yet. Online bank transfer checkout comes first, and in-person tap to pay is next.

The customer’s bank reversed a bank transfer payment, for example because there wasn’t enough money or the customer said they didn’t approve it. We take the amount back from your balance. If you’ve already spent it, we take it from your next payments, then from your linked bank.

There’s no dispute process for bank transfers. The only thing that can happen afterwards is that the customer’s bank sends the payment back.

A chargeback is when a customer asks their card company for their money back. If your chargebacks go above 0.70% of your paid card sales over 60 days, we hold your payouts. Above 0.90%, we block the account.

A USDC payment can’t be reversed, and there’s no refund button. A refund is a new, normal USDC send back to the customer: open Send money and choose Send USDC. Confirm their wallet address and network first.

In the RT app, download our WooCommerce plugin, create a key and add your store’s website address. Try it in Test mode first.

Test mode lets you try payments without real money. Turn it on or off in your business settings. Payments keep the mode they were made in.

Invite them from Team in your settings. Each role sees only what it needs.

Visa virtual debit cards that spend from your RT balance. Get one from Cards in the RT app, then use it at compatible merchants.

From your available RT balance. Money that is pending or held can’t be spent until it’s available.

Yes. Open the card in the RT app and choose Freeze card. Unfreeze it any time, and your card number stays the same.

The Starter plan includes 2 virtual cards. The Growth plan includes unlimited cards and spend controls. Businesses can set limits per card and assign each card an owner.

Connect your AI app to RT and add RT to the browser or phone you shop on. When your AI is ready to buy, RT pays with a one-time card or USDC. AI Shopping is in early access.

You decide. You set shopping rules, including how much your AI may spend. Purchases that fit your rules go through. Anything outside them waits for you to approve it in RT. Connecting an AI doesn’t let it spend on its own.

No. RT fills a one-time card at checkout through our browser add-on or the RT app on your phone. Your AI never sees your card details.

Claude, ChatGPT, Perplexity, Gemini, Grok and other AI apps, plus coding tools such as Codex, Claude Code, Cursor and VS Code. Some AI apps only allow connections on paid plans. You can connect more than one.

At any online store that takes cards or USDC.

Open AI Shopping and choose Disconnect for one AI or all of them. You can also change or turn off your shopping rules.

Only what it needs to pay for a purchase you allowed. It doesn’t collect your browsing history. Read the RT Agent Checkout privacy notice.

Nothing. Personal accounts are free, with no monthly subscription.

Starter is $0 a month, Growth is $499 a month, and Scale has custom pricing. Compare business plans.

Yes. When you send money abroad, you’ll see the fee, the exchange rate, the amount your recipient gets and an arrival estimate before you confirm.

Fees for chargebacks, payments from international cards and identity checks on your sales. You’ll see each fee in your account.

No. RT is a financial technology company, not a bank. We provide software for payments and card services through regulated partners. Percentagem Envolvente, Lda. (Portugal) serves the EU and EEA, and RealtimePay Inc. serves the United States and other regions.

Each time you sign in, we ask for your password and a 6-digit code that we email to you. You can choose another way to get the code in Account settings, under Verification. We protect your data with encryption in transit, access controls and monitoring.

Your password, verification codes, full card details or identity documents. Please don’t send them in support chats.

Freeze the card in the RT app straight away, then contact support@rt.app or call +1 844-604-1604.

Email security@rt.app.

Email support@rt.app or call +1 844-604-1604 (toll-free in the US).

On the sign-in page, choose Forgot password? and enter your email. We’ll email you a link to set a new password. The link works for 60 minutes.

Contact support at support@rt.app or call +1 844-604-1604. We’ll verify your identity before we reset your two-step sign-in. You’ll be able to do this yourself in the app soon.

Yes. Choose “Personal and business” when you join the waitlist.

Under Account details in the RT app.

In the RT app, go to Settings and open Statements. You can download them as PDF or CSV.

Open Accounts in the RT app and choose Request account closure. Our team will review your request and contact you. Your account stays open until then.

Email privacy@rt.app. Our Privacy Policy explains your rights.