Payment request

Relevant webhooks

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

Rtp.Payment.Received

Rtp.Payment.Expired

Rtp.Payment.Rejected

API reference

Initiates a request for payment (RfP)

Allows the recipient to authorize and trigger an instant payment credit transfer. RfPs can be initiated from:

Master account

Deposit account (DDA)

Associated subledger

Endpoint: /rtp/v1/payments/payment-request

POST

https://sandbox.crbcos.com/rtp/v1/payments/payment-request

Body Parameters

accountNumberstringrequired
Description
Account from which the RfP is originated
amountintegerrequired
Description
Requested payment amount in positive integeral cents. For example, represent $1.00 as 100.
purposestring
Description
Internal CR field used to include a short description or purpose for the payment request. The RDFI does not see this field. 50 characters maximum.
requestedExecutionDatestringrequired
Description
Date when the payment request needs to be processed by the Debtor. Formatted as yyyy-mm-ddThh:mm:ss[.mmm].
expiryDatestringrequired
Description
Expiration date and time of the RfP. If no time is specified, it expires at 12:00 AM on the given date. If a time is provided, it expires within one hour after the specified time on the same date. Formatted as yyyy-mm-ddThh:mm:ss[.mmm].
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. 50 characters maximum.
remittanceDatastring
Description
A description of the payment request, meaning, the remittance advice. Use this field for any remittance information that doesn't have its own field. 140 characters maximum.
remittanceLocationobject
Description
Remittance location information
- methodstring
  Description
  Method used to deliver the remittance advice information: EMAIL or URID
- eAddressstring
  Description
  The electronic address where the agent should send the remittance information. This is only populated if the method value is EMAIL.
debtorobjectrequired
Description
Debtor Personal/Business information. Debtor is the individual receiving the Request for Payment. Please note: For the debtor, name and one additional element like [birthCity, birthCountry, birthdate], [orgLegalEntityId/LEI], OR [addressStreetName, addressCity, addressState, addressPostalCode, and addressCountry] are required as per RfP business rules.
- accountNumberstringrequired
  Description
  Account number. In CR, depending on the account type, the number of digits will vary. The first digit indicates the kind of account.
- namestringrequired
  Description
  Name of entity. 140 characters maximum.
- birthCitystring
  Description
  Debtor birth city. 35 characters maximum.
- birthcountrystring
  Description
  Debtor birth country. 2-letter country code.
- birthDatestring
  Description
  Debtor birth date. Formatted as yyyy-mm-dd.
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions. 20 characters maximum.
- addressStreetNamestring
  Description
  Street address name information. 70 characters maximum.
- addressLinestring
  Description
  Additional address information. 70 characters maximum.
- addressBuildingNumberstring
  Description
  Street address building number. 16 characters maximum.
- addressCitystring
  Description
  City full name. 35 characters maximum.
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
- routingNumberstringrequired
  Description
  9-digit routing number of the financial institution
- phoneNumberstring
  Description
  10 characters maximum
ultimateDebtorobject
Description
Ultimate Debtor Business/Individual Information. The final party receiving the RfP and responsible for initiating the credit transfer upon authorization.
- namestringrequired
  Description
  Name of entity. 140 characters maximum.
- privateIdstring
  Description
  Unique and unambiguous identification of a person. For example, passport or driving license number.
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions. 20 characters maximum.
- addressStreetNamestring
  Description
  Street address name information. 70 characters maximum.
- addressLinestring
  Description
  Additional address information. 70 characters maximum.
- addressBuildingNumberstring
  Description
  Street address building number. 16 characters maximum.
- addressCitystring
  Description
  City full name. 35 characters maximum.
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
creditorobject
Description
Creditor Business/Individual Information. The recipient of the payment, typically the party at CRB initiating the RfP. Depending on the configuration, this information may be populated automatically.
- routingNumberstringrequired
  Description
  9-digit routing number of the receiving financial institution
- accountNumberstringrequired
  Description
  Account number. In CR, depending on the account type, the number of digits will vary. The first digit indicates the kind of account.
- namestringrequired
  Description
  Legal name of entity. 140 characters maximum.
- birthCitystring
  Description
  Creditor birth city. 35 characters maximum.
- birthCountrystring
  Description
  Creditor birth country. 2-letter country code.
- birthDatestring
  Description
  Creditor birth date. Formatted as yyyy-mm-dd.
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions. 20 characters maximum.
- addressStreetNamestring
  Description
  Street address name information. 70 characters maximum.
- addressLinestring
  Description
  Additional address information. 70 characters maximum.
- addressBuildingNumberstring
  Description
  Street address building number. 16 characters maximum.
- addressCitystring
  Description
  City full name. 35 characters maximum.
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
- phoneNumberstring
  Description
  10 characters maximum
ultimateCreditorobject
Description
Ultimate Creditor Business/Individual Information. The final recipient of the payment. Depending on the configuration, this information may be populated automatically.
- namestringrequired
  Description
  Legal name of entity. 140 characters maximum.
- privateIdstring
  Description
  Unique and unambiguous identification of a person. For example, passport or driving license number.
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions. 20 characters maximum.
- addressStreetNamestring
  Description
  Street address name information. 70 characters maximum.
- addressLinestring
  Description
  Additional address information. 70 characters maximum.
- addressBuildingNumberstring
  Description
  Street address building number. 16 characters maximum.
- addressCitystring
  Description
  City full name. 35 characters maximum.
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
useCasestringrequired
Description
Use one of the following values for the useCase field: -BusinessToBusiness -ConsumerBillPay -AccountToAccount -DownPaymentOrFinalPayment -ConsumerToGovernment
industryCategorystring
Description
Use one of the following values for the industryCategory field (optional when useCase is BusinessToBusiness or ConsumerToGovernment): -HomeUtilities -TelecomUtilities -Mortgage -Rent -InsurancePremiums -AutoLoans -PersonalLoans -CreditCardPayment -MediaSubscriptions -Memberships -FinancialInstitution -BrokerOrDealer -Medical -OnlineGaming -RealEstate -Government
senderIDstringrequired
Description
Use the senderId field (optional when useCase is BusinessToBusiness or ConsumerToGovernment), provided by Cross River and generated by The Clearing House (TCH). Valid senderID's for Sandbox Testing: -100000000001 -100000000002 -100000000003 -100000000004 -100000000005
amountModAllowedboolean
Description
Indicates whether the recipient is allowed to modify the requested amount in response to an RfP. If the field is not provided, the system defaults to true. If true, the recipient may respond with a different amount If false, the recipient must match the original amount; any mismatch will cause the payment to be rejected.

Response

idstring
Description
The payment ID. This first appears in the initial response to the originate a payment request. This ID is in GUID format.
originalPaymentIdstring
Description
Original payment ID (only relevant if a payment didn't go through for some reason).
referenceIdstring
Description
This unique Cross River reference ID starts with the first letter of the payment rail. For Instant Payments, the ID begins with R to reflect the RTP API module.
accountNumberstring
Description
Account initiating the payment request
clientIdentifierstring
Description
A unique identifier assigned to the payment call or COS record. This value reflects the identifier provided in the original request and helps ensure idempotency.
amountinteger
Description
Dollar amount of payment request in positive integral cents. For example, write $1.00 as 100.
operatorCoreTransactionIdstring
Description
The Instant Payments-related Cross River system transaction ID
authorizationTransactionIdstring
Description
The ID of an authorization transaction created when Cross River receives an inbound credit transfer that refunds a previously sent outbound transfer. This authorization confirms that Cross River can post the transaction to the creditor’s (receiver’s) COS account (e.g., no restrictions or account closures) and allows Cross River to notify the real-time payment network of acceptance.
memoPostIdstring
Description
The ID of the memo post
memoPostRemovedAtstring
Description
The date and time the memo post was removed
directionstring
Description
Outbound for an outbound payment request or Inbound for an inbound payment request.
statusstring
Description
Transaction status: -Created -Pending -Processing -Completed -Rejected -Canceled -Hold -TimedOut -Finalizing -Failed -ResearchRequired -Expired -Authorized
paymentTypestring
Description
Type of payment indicating how the transaction is funded: -RequestForPayment
sourcestring
Description
The source of the activity: -Api
transactionAccountContextstring
Description
Transaction account context: -NotSubmitted -Pending -Processing -Complete -Reversal -MemoPost -TimedOut -Canceled -Rejected -AuthOnly -NotSet
rtpTransactionStatusstring
Description
The payment status set by the receiving institution, applicable to Credit Transfers. This value is only present for outbound payments. See available values here.
debtorobject
Description
Debtor business/individual information. – The recipient of the RfP who will initiate the credit transfer upon authorization. Depending on the configuration, this information may be populated automatically.
- routingNumberstring
  Description
  9-digit routing number of the sending financial institution
- accountNumberstring
  Description
  Account number. In CR, depending on the account type, the number of digits will vary. The first digit indicates the kind of account.
- namestring
  Description
  Name of entity
- birthCitystring
  Description
  Debtor birth city
- birthCountrystring
  Description
  Debtor birth country. 2-letter country code.
- birthDatestring
  Description
  Debtor birth date. Formatted as yyyy-mm-dd.
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions.
- proxyIdstring
  Description
  Identification used to represent the account under a different name or alias, such as a mobile number or email address.
- phoneNumberstring
  Description
  10-digit phone number
- addressStreetNamestring
  Description
  Street address name information
- addressLinestring
  Description
  Additional address information
- addressBuildingNumberstring
  Description
  Street address building number
- addressCitystring
  Description
  City full name
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
ultimateDebtorobject
Description
Ultimate debtor business/individual information. The final party responsible for initiating the credit transfer upon authorization. This information may be populated automatically based on the configuration.
- namestring
  Description
  Name of entity
- privateIdstring
  Description
  Unique and unambiguous identification of a person, for example, a passport number
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions
- addressStreetNamestring
  Description
  Street address name information
- addressLinestring
  Description
  Additional address information
- addressBuildingNumberstring
  Description
  Street address building number
- addressCitystring
  Description
  City full name
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
creditorobject
Description
Creditor business/individual information. The recipient of the payment, typically the party at CRB initiating the RfP. Depending on the configuration, this information may be populated automatically.
- routingNumberstring
  Description
  9-digit routing number of the receiving financial institution
- accountNumberstring
  Description
  Account number. In CR, depending on the account type, the number of digits will vary. The first digit indicates the kind of account.
- namestring
  Description
  Name of entity
- birthCitystring
  Description
  Creditor birth city
- birthCountrystring
  Description
  Creditor birth country. 2-letter country code.
- birthDatestring
  Description
  Creditor birth date. Formatted as yyyy-mm-dd.
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions
- proxyIdstring
  Description
  Identification used to represent the account under a different name or alias, such as a mobile number or email address
- phoneNumberstring
  Description
  10-digit phone number
- addressStreetNamestring
  Description
  Street address name information
- addressLinestring
  Description
  Additional address information
- addressBuildingNumberstring
  Description
  Street address building number
- addressCitystring
  Description
  City full name
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
ultimateCreditorobject
Description
Ultimate creditor business/individual information. The final recipient of the payment. Depending on the configuration, this information may be populated automatically.
- namestring
  Description
  Name of entity
- privateIdstring
  Description
  Unique and unambiguous identification of a person, for example, a passport number
- orgLegalEntityIdstring
  Description
  A unique global identifier for legal entities that are not consumers but are participating in financial transactions
- addressStreetNamestring
  Description
  Street address name information
- addressLinestring
  Description
  Additional address information
- addressBuildingNumberstring
  Description
  Street address building number
- addressCitystring
  Description
  City full name
- addressStatestring
  Description
  2-letter code for the state
- addressPostalCodestring
  Description
  Postal or ZIP code
- addressCountrystring
  Description
  2-letter country code
networkobject
Description
Network information
- messageDefIdstring
  Description
  Contains the ISO 20022 Message Identifier specifying the business message
- businessMessageIdstring
  Description
  Unique identifier of the message
- messageIdstring
  Description
  Unique identifier of the message
- createdAtstring
  Description
  Indicates when the pain.013 message was created, formatted as yyyy-mm-ddThh:mm:ss[.mmm]
- numberOfTransactionsinteger
  Description
  The total count of transactions
- interbankSettlementAmountinteger
  Description
  The total amount the Debtor FI must pay to the Creditor FI once the Creditor FI accepts the payment instructed by the credit transfer message
- currencystring
  Description
  Currency of the payment
- interbankSettlementDatestring
  Description
  The date linked to the reconciliation window, used in RTP alongside the clearing system reference to allocate a credit transfer to a specific reconciliation window
- settlementMethodstring
  Description
  The method used to settle an individual credit transfer processed through RTP
- clearingSystemCodestring
  Description
  The code used to specify the clearing system used to settle the credit transfer. For RTP the clearing system code is TCH.
- instructionIdstring
  Description
  The unique ID assigned by the instructing agent for the payment request while it remains active within the RTP system. This ID serves as the unique identifier for the payment request within the Instant Payments network.
- endToEndIdstring
  Description
  The unique ID assigned by the initiating party to identify and track the transaction.
- transactionIdstring
  Description
  A unique string in GUID format that clearly identifies the transaction. This ID passes unchanged the whole interbank chain. This ID serves as the unique identifier for the Credit Transfer within the Instant Payments network.
- clearingSystemRefstring
  Description
  Identifies the reconciliation window in which the credit transfer was settled
- fromParticipantIdstring
  Description
  The unique identifier of the participant sending the message on the Instant Payment network platform
- toParticipantIdstring
  Description
  The unique identifier of the participant receiving the message on the Instant Payment network platform
- fromBranchIdstring
  Description
  Identifies the specific branch of a financial institution that sent the message, used exclusively for routing purposes in Instant Payments
- toBranchIdstring
  Description
  Identifies the specific branch of a financial institution that receives the message, used exclusively for routing purposes in Instant Payments
- instructingRoutingNumberstring
  Description
  Sending bank routing number
- instructedRoutingNumberstring
  Description
  Receiving bank routing number
- headerCreationDatestring
  Description
  Internal to CR
- messageCreationDateTimestring
  Description
  The date and time when the payment request message was created, formatted as yyyy-mm-ddThh:mm:ss[.mmm]
- uetrstring
  Description
  A Unique End-to-end Transaction Reference (commonly known as a UETR) is a string of 36 unique characters featured in all payment instruction messages carried over Swift
remittanceAdviceobject
Description
Remittance advice information
- remittanceIdentificationstring
  Description
  A unique identifier assigned by the initiating party to clearly distinguish the remittance information sent separately from the payment instruction, such as remittance advice
- origInstructionIdstring
  Description
  The original unique ID of the credit transfer, assigned by the Instructing Agent while it remains in the RTP system
- origEndToEndIdstring
  Description
  The original unique ID set by the initiating party to identify the transaction, referring to a previous payment message
- origTransactionIdstring
  Description
  A unique GUID-format string that clearly identifies the transaction, referring to a previous payment message. This ID remains unchanged throughout the entire interbank chain.
- origPaymentInfoIdstring
  Description
  A unique identifier assigned by the original sending party to clearly distinguish the original payment information group
- origInstructedAmountinteger
  Description
  The amount of money specified in the original transaction to be transferred between the debtor and creditor, before any charges are deducted, expressed in the currency requested by the original initiating party.
- origInstructedAmountCurrencystring
  Description
  Currency of the original transaction
transactionInfoobject
Description
Information about the transaction
- statusstring
  Description
  The current status of a single payment instruction within the transaction process
- reasonCodestring
  Description
  A code that specifies the reason a transaction did not complete. Refer to the list of reason codes for details.
- additionalInfostring
  Description
  Provides supplementary details regarding the status report
- reasonProprietarystring
  Description
  Indicates the local instrument by using a proprietary code
serviceLevelCodestring
Description
Indicates a pre-arranged service or service level agreed upon between the parties
localInstrumentProprietarystring
Description
Specifies whether the Debtor is a business or consumer customer of the Debtor FI. This element also indicates if the Debtor is a domestic customer of the Debtor FI or a customer of a foreign branch or affiliate.
categoryPurposestring
Description
Details from the initiating party regarding payment processing, based on predefined categories. Certain values may initiate special processing by various parties involved in the payment chain.
initiatingPartyNamestring
Description
Name of initiating party/entity
currencystring
Description
Currency of the payment
chargeBearerstring
Description
Indicates the party (or parties) responsible for bearing the charges related to processing the payment request.
remittanceIdentificationstring
Description
A unique identifier assigned by the initiating party to clearly distinguish the remittance information sent separately from the payment instruction, such as remittance advice
remittanceDatastring
Description
A description of the payment request, serving as the remittance advice. This field is used for any remittance information that does not have a designated field.
paymentInfoIdstring
Description
Payment information ID
reqExecutionDateobject
Description
Requested execution date information
- datestring
  Description
  The requested date and time of the payment, formatted as yyyy-mm-ddThh:mm:ss[.mmm]
- dateTypestring
  Description
  The date type
expiryDateobject
Description
Expiry date information
- datestring
  Description
  The expiry date and time of the payment, formatted as yyyy-mm-ddThh:mm:ss[.mmm]
- dateTypestring
  Description
  The date type
paymentConditionsobject
Description
Payment conditions information
- amountModAllowedboolean
  Description
  Indicates whether the requested payment amount can be modified by the debtor.
- earlyPayAllowedboolean
  Description
  Specifies if early payment is permitted before the due date.
- acceptedAmountinteger
  Description
  The fixed amount (in cents) that the creditor is willing to accept for the payment request.
purposestring
Description
Internal Cross River field used to include a short description of the purpose of the payment. The RDFI does not see this field.
wasRefundedboolean
Description
Indicates whether the payment was refunded. True if refunded, otherwise False.
wasPaidboolean
Description
Indicates whether the payment was received. True if received, otherwise False.
createdAtstring
Description
The date and time when the credit transfer was created, formatted as yyyy-mm-ddThh:mm:ss[.mmm]
productIdstring
Description
The GUID representing the ID of your specific product type associated with the account. This is provided by Cross River and identifies the Cross River account involved in the transfer.
partnerIdstring
Description
Your unique ID in the Cross River system. This ID is in GUID format.
lastModifiedAtstring
Description
Internal Cross River value. Date and time the database entry was last modified. In this case, the date and time are in this format: yyyy-mm-ddThh:mm:ss[.mmm]
sendAttemptCountinteger
Description
The total count of attempts to send the payment request
discountsobject
Description
Discounts array specifies applicable discounts for the request.
- typestring
  Description
  The type of discount applied. Possible values include: - DSCT: A standard discount applied to the payment. - FULL: A full payment discount (for example, early payment incentive)
- amountinteger
  Description
  Amount of discount in positive integral cents. For example, write $1.00 as 100.
- currencystring
  Description
  Currency of the discount. For example USD.
awaitingResponseboolean
Description
Indicates whether a message response is pending. True if waiting, otherwise False.
networkPlatformstring
Description
The payment network platform used to process the payment. Possible values are: TCH (for RTP via The Clearing House)

curl

curl --location 'https://sandbox.crbcos.com/rtp/v1/payments/payment-request' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '{
    "accountNumber": "2564791479",
    "amount": 20000,
    "discount": 1000,
    "debtor": {
        "routingNumber": "071212128",
        "accountNumber": "2758463448",
        "name": "Terry Tester",
        "birthCity": "Pine Brook",
        "birthCountry": "US",
        "birthDate": "1996-08-09",
        "addressStreetName": "Linwood Ave",
        "addressBuildingNumber": "2115",
        "addressCity": "Pine Brook",
        "addressState": "NJ",
        "addressPostalCode": "07024",
        "addressCountry": "US"
    },
    "creditor": {
        "accountNumber": "2564791479",
        "name": "the creditor"
    },
    "purpose": "Test Payment 2",
    "clientIdentifier": "123456",
    "requestedExecutionDate": "2025-08-10",
    "expiryDate": "2025-08-16",
    "senderId": "100000001",
    "useCase": "BusinessToBusiness",
    "industryCategory": "OnlineGaming"
}'

nodejs

var request = require('request');
var options = {
  'method': 'POST',
  'url': 'https://sandbox.crbcos.com/rtp/v1/payments/payment-request',
  'headers': {
    'Authorization': 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    "accountNumber": "2564791479",
    "amount": 20000,
    "discount": 1000,
    "debtor": {
      "routingNumber": "071212128",
      "accountNumber": "2758463448",
      "name": "Terry Tester",
      "birthCity": "Pine Brook",
      "birthCountry": "US",
      "birthDate": "1996-08-09",
      "addressStreetName": "Linwood Ave",
      "addressBuildingNumber": "2115",
      "addressCity": "Pine Brook",
      "addressState": "NJ",
      "addressPostalCode": "07024",
      "addressCountry": "US"
    },
    "creditor": {
      "accountNumber": "2564791479",
      "name": "the creditor"
    },
    "purpose": "Test Payment 2",
    "clientIdentifier": "123456",
    "requestedExecutionDate": "2025-08-10",
    "expiryDate": "2025-08-16",
    "senderId": "100000001",
    "useCase": "BusinessToBusiness",
    "industryCategory": "OnlineGaming"
  })

};
request(options, function (error, response) {
  if (error) throw new Error(error);
  console.log(response.body);
});

python

import requests
import json

url = "https://sandbox.crbcos.com/rtp/v1/payments/payment-request"

payload = json.dumps({
  "accountNumber": "2564791479",
  "amount": 20000,
  "discount": 1000,
  "debtor": {
    "routingNumber": "071212128",
    "accountNumber": "2758463448",
    "name": "Terry Tester",
    "birthCity": "Pine Brook",
    "birthCountry": "US",
    "birthDate": "1996-08-09",
    "addressStreetName": "Linwood Ave",
    "addressBuildingNumber": "2115",
    "addressCity": "Pine Brook",
    "addressState": "NJ",
    "addressPostalCode": "07024",
    "addressCountry": "US"
  },
  "creditor": {
    "accountNumber": "2564791479",
    "name": "the creditor"
  },
  "purpose": "Test Payment 2",
  "clientIdentifier": "123456",
  "requestedExecutionDate": "2025-08-10",
  "expiryDate": "2025-08-16",
  "senderId": "100000001",
  "useCase": "BusinessToBusiness",
  "industryCategory": "OnlineGaming"
})
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/rtp/v1/payments/payment-request")

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({
  "accountNumber": "2564791479",
  "amount": 20000,
  "discount": 1000,
  "debtor": {
    "routingNumber": "071212128",
    "accountNumber": "2758463448",
    "name": "Terry Tester",
    "birthCity": "Pine Brook",
    "birthCountry": "US",
    "birthDate": "1996-08-09",
    "addressStreetName": "Linwood Ave",
    "addressBuildingNumber": "2115",
    "addressCity": "Pine Brook",
    "addressState": "NJ",
    "addressPostalCode": "07024",
    "addressCountry": "US"
  },
  "creditor": {
    "accountNumber": "2564791479",
    "name": "the creditor"
  },
  "purpose": "Test Payment 2",
  "clientIdentifier": "123456",
  "requestedExecutionDate": "2025-08-10",
  "expiryDate": "2025-08-16",
  "senderId": "100000001",
  "useCase": "BusinessToBusiness",
  "industryCategory": "OnlineGaming"
})

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

package main

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

func main() {

  url := "https://sandbox.crbcos.com/rtp/v1/payments/payment-request"
  method := "POST"

  payload := strings.NewReader(`{
    "accountNumber": "2564791479",
    "amount": 20000,
    "discount": 1000,
    "debtor": {
        "routingNumber": "071212128",
        "accountNumber": "2758463448",
        "name": "Terry Tester",
        "birthCity": "Pine Brook",
        "birthCountry": "US",
        "birthDate": "1996-08-09",
        "addressStreetName": "Linwood Ave",
        "addressBuildingNumber": "2115",
        "addressCity": "Pine Brook",
        "addressState": "NJ",
        "addressPostalCode": "07024",
        "addressCountry": "US"
    },
    "creditor": {
        "accountNumber": "2564791479",
        "name": "the creditor"
    },
    "purpose": "Test Payment 2",
    "clientIdentifier": "123456",
    "requestedExecutionDate": "2025-08-10",
    "expiryDate": "2025-08-16",
    "senderId": "100000001",
    "useCase": "BusinessToBusiness",
    "industryCategory": "OnlineGaming"
}`)

  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": "8ee74810-45fe-47ee-9569-b30500b8d6ae",
    "originalPaymentId": "8ee74810-45fe-47ee-9569-b30500b8d6ae",
    "referenceId": "R174OI808VYXJ",
    "accountNumber": "2955057589",
    "clientIdentifier": "123456",
    "amount": 19000,
    "direction": "Outbound",
    "status": "Created",
    "paymentType": "RequestForPayment",
    "source": "Api",
    "transactionAccountContext": "NotSubmitted",
    "debtor": {
        "routingNumber": "011000138",
        "accountNumber": "2758463448",
        "name": "Terry Tester",
        "birthCity": "Pine Brook",
        "birthCountry": "US",
        "birthDate": "1996-08-09",
        "addressStreetName": "Linwood Ave",
        "addressBuildingNumber": "2115",
        "addressCity": "Pine Brook",
        "addressState": "NJ",
        "addressPostalCode": "07024",
        "addressCountry": "US"
    },
    "creditor": {
        "routingNumber": "021214891",
        "accountNumber": "2955057589",
        "name": "Dim Mak",
        "addressStreetName": "400 Kelby St",
        "addressCity": "Fort Lee",
        "addressState": "NJ",
        "addressPostalCode": "07024",
        "addressCountry": "US"
    },
    "network": {
        "clearingSystemCode": "TCH",
        "currency": "USD",
        "endToEndId": "6909c29416f0453fbdfdb30500b8d6ae",
        "instructionId": "20250623021214273T1B19TS07136537534",
        "interbankSettlementAmount": 19000,
        "interbankSettlementDate": "2025-06-23",
        "messageId": "M20250623021214273T1BDQK15672530466",
        "numberOfTransactions": 1,
        "settlementMethod": "CLRG",
        "businessMessageId": "B20250623021214273T1BPRK46725920502",
        "toParticipantId": "990000001S1",
        "fromParticipantId": "021214273T1",
        "instructingRoutingNumber": "021214891",
        "instructedRoutingNumber": "011000138",
        "headerCreationDate": "2025-06-23T07:12:58.6058948-04:00",
        "messageCreationDateTime": "2025-06-23T07:12:58.6058948-04:00",
        "createdAt": "2025-06-23T07:12:58.6058948-04:00"
    },
    "serviceLevelCode": "SDVA",
    "localInstrumentProprietary": "STANDARD",
    "categoryPurpose": "CONSUMER",
    "currency": "USD",
    "chargeBearer": "SLEV",
    "paymentInfoId": "20250623021214273T1B19TS07136537534",
    "reqExecutionDate": {
        "date": "2025-08-10T00:00:00-04:00",
        "dateType": "DtTm"
    },
    "expiryDate": {
        "date": "2025-08-16T00:00:00-04:00",
        "dateType": "DtTm"
    },
    "paymentConditions": {
        "amountModAllowed": false,
        "earlyPayAllowed": true,
        "acceptedAmount": 19000
    },
    "purpose": "Test Payment 2",
    "useCase": "BusinessToBusiness",
    "industryCategory": "OnlineGaming",
    "senderID": "10000000000",
    "wasRefunded": false,
    "wasPaid": false,
    "createdAt": "2025-06-23T07:12:58.6058948-04:00",
    "productId": "29f3022a-ccfc-42eb-aa8f-b29500f13d00",
    "partnerId": "1101a33d-fbd9-4b9e-b169-b29500f12407",
    "lastModifiedAt": "2025-06-23T07:12:58.6380956-04:00",
    "sendAttemptCount": 0,
    "discounts": [
        {
            "type": "DSCT",
            "amount": 1000,
            "currency": "USD"
        },
        {
            "type": "FULL",
            "amount": 20000,
            "currency": "USD"
        }
    ],
    "awaitingResponse": false,
    "networkPlatform": "TCH"
}

400

{
    "errors": [
        {
            "code": 2045,
            "message": "Receiver does not support Request For Payment"
        }
    ]
}