Returns details about card transactions. The response values below are repeated for each transaction. This example uses Partner ID as the input.

Endpoint: /cardmanagement/v1/transactions

from

Your ID in the Cross River system. This ID is in GUID format.

partnerId

Product ID of the cardholder deposit account. This is in the GUID format.

productId

Deposit account number associated with the card

accountNumber

minAmount

maxAmount

Card network generated identifier used to uniquely track a transaction across systems.

retrievalReferenceNumber

outboundResponseCode

Indicator whether a debit card was used in the transaction.
Values:
- True (if the card is a debit card)
- False

isDebit

Indicator whether a PIN was used in the transaction.
Values:
- True
- False

isPin

Indicates if a transaction was attempted on a closed account DDA and therefore had to be posted on the program's post closure account.
Values:
- True
- False

postClosureAccountUsed

pageNumber

Number of items per page in a paginated response.

pageSize

GUID format card ID in the Cross River system, which is the id attribute value of the response to Create a card. This is not the number that appears on the card.

ID in GUID format of your specific product type on which the account is based. Provided by CR.

Date and time the transaction record was created. In this case, the date and time are in this format: yyyy-mm-ddThh:mm:ss[.mmm]

createdAt

description

True if the transaction is a reversal of a previous transaction, otherwise false.

isReversal

A unique number assigned to a transaction from the time it leaves the merchant bank until it arrives at the cardholder bank

traceNumber

Date and time the message entered the data interchange system

transmissionDate

Unique ID for the card program the card is assigned to

cardProgramId

Last 4 digits of the PAN, the primary account number, which appears on the physical card

panLastFour

transactionType

True if the card is a debit card, otherwise false.

Indicator whether a PIN was used in the transaction.

Funds requested by the cardholder in the local currency of either the acquirer or source location of the transaction, exclusive the of transaction fee amount

transactionAmount

The amount billed to the cardholder in the currency of the cardholder account, exclusive of cardholder billing fees

billingAmount

The settlement amount may vary from the transaction amount if currency conversion is involved

settlementAmount

Method more used at the point of sale, which combines card and terminal capabilities.

posEntry

Method used to enter the card number for a given transaction (e.g., manual, magnetic stripe, chip).

panEntryMode

For PIN transactions, the method used to enter the PIN.
Options include:
- Unspecified
- PinEntry
- NoPinEntry
- PinEntryTerminalOOS
- ReservedForISO
- PinPadInoperative
- ReservedForNational
- ReservedForPrivate
- PinVerified

pinCaptureCapability

A code that defines the disposition of a message. When the response code is 30, the Additional Response Data contains the bit number in error.

responseCode

Automatically generated reference (alphanumeric)

Unique identifier for the transaction, provided by the card network

networkId

Payment network used to process the transactions (e.g. Visa, Mastercard).

networkType

Identifier associated to the payment network that processed the transaction.

acquirerNetworkId

Name and location of merchant involved in the transaction

merchantNameLocation

Classification of the merchant type of business, product, or service

merchantType

merchantPostalCode

Unique code identifying a terminal at the card acceptor location

terminalId

ISO 4217 currency code telling you the local currency of either the acquirer or the source location of the transaction. This is the currency used in the transaction amount and transaction fee amount.

transactionCurrencyCode

ISO 4217 currency code telling you the currency of the cardholder billing amount and the cardholder billing fee amount

billingCurrencyCode

ISO 4217 currency code telling you the currency of both the settlement amount and the settlement fee amount

settlementCurrencyCode

Code provided by the issuer when a transaction is approved or a “no reason to decline” code provided for successful verification.

authorizationCode

A number that remains unique throughout a transaction life cycle

transactionIdentifier

Additional unique identifier for the transaction

transactionUniqueIdentifier

authorizationIndicator

Time interval in effect for pre-authorization when an acquirer is requests guarantee of funds. The first digit indicates the type of time interval (1=calendar days, 2=hours, 3=minutes) and the second digit is the actual time interval value.

authorizationLifeCycle

Series of digits used to identify a customer account or relationship ID

accountIdentification

If true, indicates that the authorization is for a partial amount and not the whole amount of the transaction, otherwise, false.

partialAuthorizationIndicator

True if the transaction is a chargeback, otherwise false.

isChargeBack

Identifies the message type related to the transaction. List of message types.

messageType

Indicates the what took place for a given transaction. Includes:
- Purchase
- Withdrawal
- DebitAdjustment
- ConversionGuarantee
- ConversionVerification
- TravelerCheck
- CashbackPurchase
- AccountFunding
- QuasiCash
- FundsWithdrawal
- CashDisbursement
- DeferredGoods
- DebitFee
- CreditReturn
- Deposit
- CreditAdjustment
- CheckDepositGuarantee
- CheckDeposit
- CashDeposit
- OriginalCredit
- PaymentTransaction
- CreditDisbursement
- AvailableFundsInquiry
- BalanceInquiry
- AccountVerification
- AtmMiniStatement
- EligibilityInquiry
- CardholderTransfer
- BillPayment
- Payment
- P2PPayment
- PaymentFromThirdParty
- P2PPaymentCredit
- LoanPayment
- PaymentEnclosed
- PrepaidActivation
- PinUnblock
- PinChange
- PV
- PD
- CB
- Q2



processingCode

cardAcceptorCode

expirationDate

The factor used in the conversion from the transaction to the cardholder billing amount. The transaction amount is multiplied by the cardholder billing conversion rate to determine the cardholder billing amount.

billingConversionRate

The factor used in the conversion from the transaction to the settlement amount. The transaction amount is multiplied by the settlement conversion rate to determine the settlement amount.

settlementConversionRate

Unique reference ID within the Banknet system. See: https://www.banknet.gov/entrance/about-banknet/about-banknet.html

bankNetReferenceNumber

The fee charged (for example, by the acquirer) for transaction activity in the currency of the transaction amount. This fee can be a surcharge, rebate, or transaction fee.

transactionFeeAmount

If the transaction is a chargeback, this contain the chargeback flag

chargeBackIndicator

Code identifying the acquiring institution (for example, merchant bank) or its agent. This can be any uniquely identifying number agreed upon by the network.

acquiringInstitutionCode

Code identifying the institution that is forwarding a request or advice message in an interchange system.

forwardingInstitutionCode

The name of the card processor
- i2c
- P1

processor

Unique identifier for the memo post. This ID is in GUID format.

memoPostId

Unique Cross River identifier for the core transaction. This ID is in GUID format.

coreTransactionId

transactionKey

transactionCurrency

Currency used for bllling the cardholder (ISO 4217 format).

billingCurrency

Currency in which the transaction is settled between institutions (ISO 4217 format).

settlementCurrency

For reversal type transactions, whether the transaction being reversed is a prior authorization or clearing.
Can be:
- Authorization
- Clearing

reversalType

Indicates if a transaction was attempted on a closed account DDA and therefore had to be posted on the program's post colsure account.

Unique transaction ID assigned by the acquirer of the trnasaction for audit purposes.

relatedTransactionId

Card details by ID

Transaction details

The automated lending platform from Cross River that includes services such as Preapproval, Oversight, Arix Origination and Funding, Selling, and Hooks.

Lending

Information that can be used to distinguish or trace an individual’s identity, either alone or when combined with other information that is linked or linkable to a specific individual. Also known as PII.

Personally_Identifiable_Information

These are contracts for monetary assets that can be purchased, traded, created, modified, or settled for. In terms of contracts, there is a contractual obligation between involved parties during a financial instrument transaction.

financial_instrument

Interest Rate Cards are pre-configured interest rate profiles that can be assigned to specific accounts on demand.

rate_card

A financial institution holding a principal license with a Card Network has the right to issue cards itself and sponsor other institutions (fintechs) to issue on its behalf (BIN sponsorship). Affiliate/Associate members cannot offer BIN sponsorship.

Principal_member

A 6 or 8 digit number assigned by the card networks for card issuing and functions as the first 6 or 8 digits on the card itself. The BIN identifies the bank that is responsible for issuing the program and handling daily settlement with the Network.

Card_BIN

A solution that allows partners to offer card solutions without requiring a direct relationship with the card networks. The bank acts as an intermediary while allowing partners to use its bank identification numbers (BIN). 

BIN_sponsorship

Politically Exposed Person is an individual who holds a prominent public position, or has done so in the recent past and is subject to a higher level of scrutiny due to an increased risk of involvement in bribery, corruption, and money laundering.

Office of Foreign Assets Control. Part of the US Department of the Treasury that administers and enforces economic and trade sanctions based on US foreign policy and national security goals.

OFAC

Move funds internally between accounts. The transfer requires both a debit and credit account and can be either a master account or sub-ledger, or any combination of the two.  Can be made via API calls or for non-API Partners on the COS Explorer.

book_transfer

This is where the financial institution verifies the member has the funds needed before they are transferred to the receiver.

Good_Funds_Model

An instant payment service developed and operated by the Federal Reserve for financial institutions in the United States, which allows individuals and businesses to send and receive money.

FedNow

A payment processing network used to send money electronically between banks in the US. Available year round, it transfers funds between 2 banks account instantaneously. Processes on bank holidays and weekend and after business hours.

A merchant category code (MCC) is a four-digit number used for retail financial services to classify a business by the types of goods or services it provides. Codes are specified by the ISO 18245 standard.

Card Acceptor ID. An internal identifier assigned to your business by your Acquirer when creating the merchant account used for financial processing.

CAID

Business Application Identifier, used by merchants in card payments

The automated loan validation and funding software from Cross River

Arix

Mobile Deposit Capture is the process of submitting a check electronically using a smartphone

Input Message Accountability Data. A unique number given to each FedWire payment when using the Federal Reserver Bank Service and can be used to investigate and track wire transfers.

IMAD

Notification of Change.  The purpose of an NOC is to identify and communicate incorrect information within an ACH entry, such as account numbers or transit and routing number. Sent by a RDFI to the ODFI and the Originator via their ACH Operator.

A global financial messaging standard for electronic payments. It enhances interoperability across financial systems, improves payment processing efficiency and supports compliance by providing detailed transaction information.

ISO20022

A SWIFT Code is a standard format of Bank Identifier Code (BIC) used to specify a particular bank or branch. These codes are used when transferring money between banks, particularly for international wire transfers.

SWIFT

Receiving Depository Financial Institution. All ODFIs must also agree to act as an RDFI to receive ACH payments. An RDFI receives entries directly or indirectly from its ACH Operator for debit or credit to the accounts of its customers.

RDFI

Originating Depository Financial Institution. It has the authority to initiate ACH transactions on behalf of its customers. ODFIs ensure compliance with regulatory standards and securely transmit payment instructions to the ACH network

ODFI

 National Automated Clearing House Association. Nacha governs the ACH Network, the payment system that drives Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts

Nacha

International ACH Transaction. A Nacha SEC code.

A uniquely configured financial product you offer your customers. For example, a debit card or a savings account, configured according to your needs and specifications, are product types.

product_type

Bank Identification Number. A unique identifier used in payment card transactions.

COS_Explorer

relationshipmanager

Cross River guides provide details about our products

guide

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