TCH-RTP uses a 35 character value to identify each payment/transaction uniquely. Storing this 35 character across all the systems within the bank and presenting the same to our customers is not always reliable.
Most of the banks use their unique Posting transaction Id to identify the transactions and that is the one presented to the customers on their statements, mobile apps, notifications and what not. In case of questions/concerns, this Posting Transaction ID is what is presented by the customer to the FI's Customer service/Operations.
It is critical that FTM provides the options for recording and presenting this data on the "Inbound Transactions" screen.
On the same lines, all/most banks reconcile these transactions and with the reports that arrive from TCH and it is critical again to have a placeholder on the "Inbound Transactions" screen to record the ID generated from the reconciliation similar to what is presented for recording the Zelle reconciliation Ids.
Additional details are tracked and provided on the PMR: TS003854375