Bank rails
Instant Payments
Limit utilization
3min
Cross River sets a daily send limit for Instant Payments per partner to ensure smooth operations and prevent disruptions. Use webhooks to monitor usage and be aware when you are approaching your daily send limit.
Tracking utilization helps manage limits and prevent payment disruptions.
Use the RTP.Limits.Utilization.Changed webhook to track your usage and remaining limit.
- The webhook notifies you of:
- utilizationPercent – The percentage of your limit that has been used.
- previousUtilizationPercent – The percentage of your limit used before the most recent webhook event.
Regularly monitoring limit utilization helps prevent disruptions to your Instant Payment services.
Cross River calculates your limit utilization by summing the total amount of successful credit transfers and comparing it to your daily send limit for Instant Payments.
- Calculation Frequency – The system calculates utilization every 10 minutes for active products (products with successful transfers that day). This interval can be configured.
- Processing Window – Utilization resets at 1 pm (ET) each day. Payments are tracked based on the createdAt timestamp.
- Data Retention – Utilization history is stored for 28 hours. Data older than 28 hours is removed hourly.
Webhook Notifications
- The webhook triggers when utilization reaches 5% and fires at every 5% increment (10%, 15%, 20%, etc.).
Updated 29 Jan 2025
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