Pulls funds from a registered card.
You also use this call for Account Funding Transactions (AFT), which pull funds from a specific account for use in a non-merchant account. For example, use this to load a prepaid card, top up a wallet, or fund a person-to-person (P2P) money transfer.
The API response includes the card token, amount transferred, and a transaction status that indicates success or failure.

Endpoint: /api/PullTransaction/

merchantTransactionsIdentifiersId

The merchant partner unique identifier. 32 hexadecimal characters.

requesterId

requesterName

Merchant Category Code (MCC). 4-digits that a credit card issuer uses to categorize consumer transactions for their card.

requesterMcc

Personal customer code on the card. Note: Add the CVV to a function call only when you add a card (POST /api/Card). The API never returns CVV when you perform a GET or PUT call.

threeDomainSecureEci

threeDomainSecureUcaf

threeDomainSecureXid

This field is sent only to participating issuers.

Enter a value of TRUE if partially approved transactions can be accepted.

FALSE. Partial authorization not supported (default)

TRUE. Partial authorization supported

acceptPartialAmount

The GUID that enables the application to link request with response

requestId

A randomly generated string of characters that relates to the consumer's payment card (15-38 alphanumeric characters). Matches the creditCardToken in the response.

cardToken

The amount to be transferred, in cents. For example, 10001 = $100.01.

amount

Populate this attribute when you want to connect a transaction to a given sub-merchant network program ID (Visa: MVV, Mastercard: MCID).

Otherwise, your merchant-level program ID is added automatically. You don't need to enter it.

programId

Use this field to append online transaction data to the statement descriptor, for example to use a sub-merchant address instead of the merchant address

sourceAddress

The name and address details of the sender of a push transaction or receiver of a pull transaction.

IMPORTANT: This attribute is required in transactions that are account-to-account (A2A) or person-to-person (P2P).

correspondingEntity

* One of: BB, FD, AA, PP, BI, CD, FT, WT, CP

businessType

Unique customer generated transaction request

transactionRequestId

The amount to be transferred, in cents. For example, 10001 = $100.01.

If the consumer is enabled for partial authorization, this field will present the actual amount approved by the card issuer (that was pulled from the cardholder account).

This attribute appears in a partially authorized AFT transaction.

The original transaction amount (amount value in the AFT request), represented in the transaction currency (senderCurrencyCode value in AFT request).

If partial authorization is not enabled, the value be the requested and approved transaction amount.

originalAmount

transactionRequestedAt

Transaction status:

- Pending
- Succeeded 
- Failed
- Rejected

transactionStatus

errorDescription

creditCardId

The payment processor used to perform the transaction:

- RS2
- McSend
- TabaPay
- VisaDirect

railId

network

The number Cross River creates that is passed to the rail to assist in tracing a transaction after it left our system

retrievalReferenceId

The date and time the transaction was sent to the payment processor

actualTransactionDoneAt

True if a request was approved, otherwise false

requestApproved

True if a response was received, otherwise false

responseReceived

A 2-digit code signifying the transaction result (approved or decline). For example, 00 means successful.

responseCode

A string describing the transaction result. For example, Approved.

responseDescription

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

traceNumber

error

Connects a transaction to a given sub-merchant network program ID (Visa: MVV, Mastercard: MCID)

Send funds

Request funds

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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