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 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 get api credentials with cross river apis get calls add query parameters to filter the response the api returns to general get calls use pagination to control presentation of your results this table provides an overview of the instant payments apis, described in detail below action api call description credit transfer post /v1/payments initiates a single instant payment payment request post /v1/payments/payment request initiates a request for a single instant payment cancel request post /v1/payments/{id}/payment request/cancel initiate a cancellation of a requested payment return request docid\ zuurqocnokkdsnxk5yt i post /v1/payments/{id}/return request initiate return requests for outgoing payments that has already been sent return approval docid\ tevomyhg1uyinpu8 w8c3 post /v1/payments/{id}/return approval approve an inbound return request for a previously received rtp credit transfer return reject docid\ kbyriczwjvxs zketpapa post /v1/payments/{id}/reject rejects an inbound return request previously received on a real time payment service info 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 webhook events monitor limit utilization request and response codes error codes tutorials send an instant payment originate a payment using rtp, fednow, crnow or network interoperability get service info find out the instant payment services a specific financial institution supports, per network (rtp or fednow) set payment expiration set your own custom expiration time for retrying a payment when a receiving financial institution is down fraud reporting each instant payment network has specific requirements for reporting suspected fraud, with its own criteria for what qualifies as reportable fraud