Instant payments

instant payment apis 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 requirements for credit transfers via api to initiate a credit transfer via api, you must have the following information the account number funding the transfer the transfer amount the creditor’s account number and routing number at the receiving bank docid\ z mvwov p00 xx082nabk with cross river apis get calls add query parameters to filter the response the api returns to general get calls use docid 6ekvquywevh9x4zxmuklj to control presentation of your results api calls this table provides an overview of the instant payments apis, described in detail below action api call description docid 727h0gkqerqhafkey67uu post /v1/payments initiates a single instant payment docid\ sxhwvqnxmi 6a8hynyupf post /v1/payments/payment request initiates a request for a single instant payment docid\ riyl47dxzg2rn5d apjtr post /v1/payments/{id}/payment request/cancel initiate a cancellation of a requested payment docid\ zuurqocnokkdsnxk5yt i post /v1/payments/{id}/return request initiate return requests for outgoing payments that has already been sent docid\ tevomyhg1uyinpu8 w8c3 post /v1/payments/{id}/return approval approve an inbound return request for a previously received rtp credit transfer docid\ kbyriczwjvxs zketpapa post /v1/payments/{id}/reject rejects an inbound return request previously received on a real time payment docid\ kdgfkj1rv7dq0vnusrsjw get /v1/directory retrieves a list of instant payment related services supported by a specific financial institution monetary amounts in api calls and responses are formatted as whole numbers, with no decimal point separating dollars and cents related topics docid\ ffgq2ohyebwpzn2old6mc docid\ kef tnms8kiec5ky8pts docid\ i1mcocynv8nokpkqfq1gb docid 4izipcknc4myp0sd f2h tutorials see our api tutorials to learn how to docid 5yrr2s4 i1b34cdzdxr68 originate a payment using rtp, fednow, crnow or network interoperability docid\ oublrmwxskt1ephzteo0i find out the instant payment services a specific financial institution supports, per network (rtp or fednow) docid\ ny3a7m8av7sp fbhoublm set your own custom expiration time for retrying a payment when a receiving financial institution is down docid\ sk9maqg4fas9oebyqgmwp each instant payment network has specific requirements for reporting suspected fraud, with its own criteria for what qualifies as reportable fraud