Bank-transfer and payment-authorization notice
Applies only to the relevant enabled service and accepted agreement. These public notices do not activate a financial product or replace the product-specific documents supplied at onboarding.
Provider and account
Bank transfers are available only through the provider, account type, country and rail enabled for the user. The actual account or payment-service agreement identifies the provider and any bank. A routing number, IBAN or virtual account number does not by itself prove that the user holds a bank deposit. RT supplies software and does not accept deposits as a bank.
Instructions and permissions
Before confirming a transfer, verify the beneficiary, account details, reference, amount, currency, fees and any exchange rate. Authorized-user access does not grant unlimited authority to transfer another person’s funds. An ACH debit, SEPA direct debit or recurring collection requires its own applicable mandate, disclosures and revocation method. A merchant agreement, linked bank account or access to balance information alone is not an unlimited debit authorization.
Timing, returns and finality
Displayed balances may be pending or provisional. Cut-offs, business days, verification, sanctions screening, clearing, returns and provider holds affect availability. A transfer marked initiated is not necessarily settled. Returns, recalls and cancellation requests depend on the rail and law; they are not guaranteed. A completed bank transfer is not automatically reversible like a merchant refund.
Errors and unauthorized activity
Report an incorrect, duplicate, suspicious or unauthorized transfer promptly to support@rt.app and the provider identified for your payment. Keep the transaction reference and relevant notices. The applicable provider agreement and mandatory law govern investigation, notification periods, provisional credit, cancellation and reimbursement. This notice does not waive consumer payment rights or impose a single deadline across all countries and rails.
Fees, restrictions and data
Fees and exchange rates must be disclosed before authorization or in the accepted product terms. Properly supported reserves and restrictions may apply under the relevant contract and law. Identity, beneficial-ownership, beneficiary and transaction information may be required for verification, fraud prevention and legal compliance. Do not submit bank passwords, private keys or full card credentials in a merchant agreement or ordinary support message.
All payment-service legal documents · Merchant agreements and schedules