--- title: Payments slug: apis/payments description: Cross River's Payments API enables various payment methods, including instant payments, ACH, wires, and card transactions, facilitating seamless fund transfers. docTags: createdAt: 2025-05-05T15:57:51.503Z --- :::hint{type="info"} Cross River cannot determine how a receiving financial institution displays payment details to its customers. For information on how fields appear in their banking portal or statements, please contact the receiving FI directly. ::: # Instant payments Instant payments enable individuals and businesses to transfer funds that clear and settle within seconds between US bank accounts at different US-based financial institutions. Cross River (CR) facilitates instant payments through three networks: CRNow, RTP® via The Clearing House (TCH), and FedNow. [Instant payments](docId\:dZy2COChKwicpi_0rKK2P) # Card payments Use Cross River card payment APIs to tokenize a card, activate or deactivate a card, and make payments. [Card payments](docId\:g7Y21FC4eEZ5GQY_za6Ly) # International payments Cross River offers a set of APIs to enable cross border money movement for International Payments. [International payments](docId\:i-hgHkJ0nATy4LoNeUuLQ) # ACH The Cross River ACH API allows you to both originate and receive payments through the Federal Reserve ACH network. [ACH](docId\:uV8uw2VzQX5bzghh2A5KP) # Wires Use wire transfers for both domestic and international payments. You or your customer can transfer money electronically to a recipient and a recipient can access the money, typically the same day. [Wires](docId\:Mm_yqgvcWNtsGDLnNX-og) # Book transfer Book transfers allow users to post transactions between two of their own accounts by simply selecting the debit and credit accounts as well as the amount. [Book transfer](docId\:B8Djj8OY_SyerGPU3D1vU) # Checks Manage both deposit and withdrawal checking for your customers using Cross River APIs. [Checks](docId\:ERUfX-HaUeS7MVMzJYBxq)