Transactions

Relevant webhooks

For this endpoint be sure you have registered for these webhooks:

Core.Transaction.Completed

Core Transaction.Rejected

API reference

The Core Transactions API endpoint allows partners to move funds between their accounts. This endpoint effects a book transfer. It is an extended version of the transfer endpoint. It allows you to provide a description and transaction code. In the context of Advanced Authorization, this endpoint is provided for the partner to sync external activity (transactions) into Cross River accounts at the end of each day.

Endpoint: /core/v1/transactions

POST

https://sandbox.crbcos.com/core/v1/transactions

Body Parameters

debitAccountNumberstringrequired
Description
One of the two COS Account numbers associated to the Transaction – it refers to the account that is getting the funds debited to credit another account.
creditAccountNumberstringrequired
Description
One of the two COS Account numbers associated to the Transaction – it refers to the account that is getting funds credited from another account.
transactionCodestringrequired
Description
An identifier used to describe the type of transaction. Examples of Values (non-exhaustive). See complete list of transaction codes in the requests and response codes page: - Account Transfer - Deposit - Adjustment
descriptionstringrequired
Description
A description that will identify the transaction as it gets posted.
amountintegerrequired
Description
Amount of the transaction in positive integral cents. For example, write $1.00 as 100.
currencystring
Description
Currency of the transfer amount
clientIdentifierstring
Description
Use this attribute to add your own unique identifying string to a payment call or COS record. This attribute is useful for idempotency purposes.
flagsarray
Description
Array of flags to indicate special information about this transaction. See list of flags and their codes in the requests and response codes page

Response

TransactionInfoobject
- idstring
  Description
  Transaction identifier for the current transaction. This ID is in GUID format. Sample value: “00000000-0000-0000-0000-000000000000”.
- traceNumberstring
  Description
  A unique alphanumeric identifier assigned to a transaction. This has 17 characters and begins with the letter 'T'. Note: A Core transaction trace number is NOT the same as an ACH payment trace number.
- statusstring
  Description
  Status of the transaction. Values allowed: - Pending - Complete - Rejected - Review - Declined - Canceled - Processing
- TransactionOperationInfoobject
  Description
  Information about the card used.
  - transactionTypestring
    Description
    Either: - Debit - Credit
  - accountTypestring
    Description
    Options: - GeneralLedger - Deposit - CreditCard - StoredValue - Wallet - Unknown
  - masterAccountNumberstring
    Description
    Deposit account number associated with the card
  - subAccountNumberstring
  - partnerIdstring
    Description
    Your ID in the Cross River system. This ID is in GUID format.
  - productIdstring
    Description
    Product ID of the cardholder deposit account. This ID is in the GUID format.
  - activityIdstring
  - resultobject
    - successstring
    - codestring
    - messagestring
- transactionCodestring
  Description
  An identifier used to describe the type of transaction. Examples of Values (non-exhaustive): - Account Transfer - Deposit - Adjustment
- amountstring
  Description
  Amount of the transaction in positive integral cents. For example, write $1.00 as 100.
- currencystring
- descriptionstring
  Description
  A description that will identify the transaction as it gets posted.
- railstring
  Description
  One of the following: - Ach - Wires - CreditCard - DebitCard - StoredValue - Checks - Rtp - CardManagement - International - CardPayments - Teller - Internal
- railIdstring
- clientIdentifierstring
  Description
  Use this attribute to add your own unique identifying string to a payment call or COS record. This attribute is useful for idempotency purposes.
- flagsstring
  Description
  Array of flags to indicate special information about this transaction. See list of flags and their codes in the requests and response codes page
- schedulestring
- proposedAtstring
  Description
  The date and time are in this format: yyyy-mm-ddThh:mm:ss[.mmm]
- executedAtstring
  Description
  The date and time are in this format: yyyy-mm-ddThh:mm:ss[.mmm]
- canceledAtstring
  Description
  The date and time are in this format: yyyy-mm-ddThh:mm:ss[.mmm]
- lastModifiedAtstring
  Description
  Date and time the card record was last modified. Examples include change of name on the card and change in card status. In this case, the date and time are in this format: yyyy-mm-ddThh:mm:ss[.mmm]

curl

curl --location 'https://sandbox.crbcos.com/core/v1/transactions' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '{
  "debitAccountNumber": "2955057589",
  "creditAccountNumber": "2870342504",
  "transactionCode": "Account Transfer",
  "description": "Settlement Transfer",
  "amount": 13571,
  "currency": "usd",
  "clientIdentifier": "1988192d-3967-485e-a720-ffef339638ab",
  "flags": []
}


'

nodejs

var https = require('follow-redirects').https;
var fs = require('fs');

var options = {
  'method': 'POST',
  'hostname': 'sandbox.crbcos.com',
  'path': '/core/v1/transactions',
  'headers': {
    'Authorization': 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  'maxRedirects': 20
};

var req = https.request(options, function (res) {
  var chunks = [];

  res.on("data", function (chunk) {
    chunks.push(chunk);
  });

  res.on("end", function (chunk) {
    var body = Buffer.concat(chunks);
    console.log(body.toString());
  });

  res.on("error", function (error) {
    console.error(error);
  });
});

var postData = JSON.stringify({
  "debitAccountNumber": "2955057589",
  "creditAccountNumber": "2870342504",
  "transactionCode": "Account Transfer",
  "description": "Settlement Transfer",
  "amount": 13571,
  "currency": "usd",
  "clientIdentifier": "1988192d-3967-485e-a720-ffef339638ab",
  "flags": []
});

req.write(postData);

req.end

python

import requests
import json

url = "https://sandbox.crbcos.com/core/v1/transactions"

payload = json.dumps({
  "debitAccountNumber": "2955057589",
  "creditAccountNumber": "2870342504",
  "transactionCode": "Account Transfer",
  "description": "Settlement Transfer",
  "amount": 13571,
  "currency": "usd",
  "clientIdentifier": "1988192d-3967-485e-a720-ffef339638ab",
  "flags": []
})
headers = {
  'Authorization': 'Bearer <token>',
  'Content-Type': 'application/json'
}

response = requests.request("POST", url, headers=headers, data=payload)

print(response.text)

ruby

require "uri"
require "json"
require "net/http"

url = URI("https://sandbox.crbcos.com/core/v1/transactions")

https = Net::HTTP.new(url.host, url.port)
https.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = "Bearer <token>"
request["Content-Type"] = "application/json"
request.body = JSON.dump({
  "debitAccountNumber": "2955057589",
  "creditAccountNumber": "2870342504",
  "transactionCode": "Account Transfer",
  "description": "Settlement Transfer",
  "amount": 13571,
  "currency": "usd",
  "clientIdentifier": "1988192d-3967-485e-a720-ffef339638ab",
  "flags": []
})

response = https.request(request)
puts response.read_body

package main

import (
  "fmt"
  "strings"
  "net/http"
  "io"
)

func main() {

  url := "https://sandbox.crbcos.com/core/v1/transactions"
  method := "POST"

  payload := strings.NewReader(`{
  "debitAccountNumber": "2955057589",
  "creditAccountNumber": "2870342504",
  "transactionCode": "Account Transfer",
  "description": "Settlement Transfer",
  "amount": 13571,
  "currency": "usd",
  "clientIdentifier": "1988192d-3967-485e-a720-ffef339638ab",
  "flags": []
}


`)

  client := &http.Client {
  }
  req, err := http.NewRequest(method, url, payload)

  if err != nil {
    fmt.Println(err)
    return
  }
  req.Header.Add("Authorization", "Bearer <token>")
  req.Header.Add("Content-Type", "application/json")

  res, err := client.Do(req)
  if err != nil {
    fmt.Println(err)
    return
  }
  defer res.Body.Close()

  body, err := io.ReadAll(res.Body)
  if err != nil {
    fmt.Println(err)
    return
  }
  fmt.Println(string(body))
}

200

{
    "id": "3ef99bff-13b6-45cf-b808-b323007e90c2",
    "traceNumber": "T25204034048Y94RZ",
    "status": "Pending",
    "debit": {
        "transactionType": "Debit",
        "accountType": "Deposit",
        "masterAccountNumber": "2955057589",
        "subAccountNumber": "2955057589",
        "partnerId": "1101a33d-fbd9-4b9e-b169-b29500f12407",
        "productId": "29f3022a-ccfc-42eb-aa8f-b29500f13d00",
        "activityId": "f8c46dae-5a12-4f57-a1ea-b323007e90c2"
    },
    "credit": {
        "transactionType": "Credit",
        "accountType": "Deposit",
        "masterAccountNumber": "2870342504",
        "subAccountNumber": "2870342504",
        "partnerId": "1101a33d-fbd9-4b9e-b169-b29500f12407",
        "productId": "29f3022a-ccfc-42eb-aa8f-b29500f13d00",
        "activityId": "47a622fc-c9ae-4390-b411-b323007e90c2"
    },
    "transactionCode": "Account Transfer",
    "amount": 13571,
    "currency": "usd",
    "description": "Settlement Transfer",
    "rail": "Internal",
    "railId": "0",
    "clientIdentifier": "1988192d-3967-485e-a720-ffef339638ab",
    "flags": [],
    "schedule": [],
    "proposedAt": "2025-07-23T03:40:48.6439092-04:00",

400

{
    "errors": [
        {
            "code": 2626,
            "message": "Debit account not found"
        }
    ]
}