--- title: Webhook events: Instant payments slug: apis/payments/instant-payments/webhook-events-instant-payments description: Receive real-time notifications for payment-related events via webhooks, including payment status updates and return requests. docTags: createdAt: 2025-04-21T10:37:44.576Z --- ## Common events When you work with Cross River accounts, cards and payments, you register for specific [webhooks](docId\:qF6bTOPBPNcpLPp9SAtWI) which have a specific [event format](docId\:OIUK28uoUrZIbRmT8i7RS). This table presents common `instant payments` webhook events that are described in detail below. | Event Name | Description | Related Endpoint | | ------------------------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------- | | [Rtp.Payment.Sent](docId\:ffGq2OHYEbWPzn2old6Mc) | The outbound payment has been successfully transmitted to the receiving institution, and the funds are now available in the receiver's bank account | [Credit transfer](docId:727H0GkQerqHAFKEy67Uu) | | [Rtp.Payment.Received](docId\:ffGq2OHYEbWPzn2old6Mc) | An inbound payment has been received from another institution and successfully posted to an account in COS. This inbound payment can be an unsolicited incoming payment or a response to a RfP call. | [Payment request](docId:34BetPVU5CDUR0MKKcIfN) | | [Rtp.Payment.Rejected](docId\:ffGq2OHYEbWPzn2old6Mc) | - **Payment Rejected** – The payment was rejected by the receiving institution or by the Instant Payments network.
- **Insufficient Funds** – The payment could not be processed because the originating account had insufficient funds. | [Credit transfer](docId:727H0GkQerqHAFKEy67Uu) | | [Rtp.Payment.Expired](docId\:ffGq2OHYEbWPzn2old6Mc) | An outbound request for payment was not responded to before the expiration date/time specified in the request | [Payment request](docId:34BetPVU5CDUR0MKKcIfN) | | [Rtp.Payment.Canceled](docId\:ffGq2OHYEbWPzn2old6Mc) | - **Partner Cancellation** – The payment was canceled at the request of the partner.
- **Research Cancellation** – A payment with a status of **ResearchRequired** has been canceled. | [Cancel request](docId\:RIYl47dXZG2Rn5d-APJtr) | | [Rtp.Payment.Queued](docId\:ffGq2OHYEbWPzn2old6Mc) | An outbound payment has been queued. Additional information is provided in [Payment queueing](docId:_xZIWgk5I5ZYLLWc8va6B) | [Credit transfer](docId:727H0GkQerqHAFKEy67Uu) | | [Rtp.Payment.TimedOut](docId\:ffGq2OHYEbWPzn2old6Mc) | Occurs when we received an incoming RTP payment and we did not process the payment in a timely manner. The payment network then sent us a timeout message on that payment. | | | Rtp.Payment.ResearchRequired | Payment has not been processed. Research is required. See COS Explorer for details | | | [Rtp.Limits.Utilization.Changed](docId\:ffGq2OHYEbWPzn2old6Mc) | Track your usage and remaining limit. Additional information is provides in [Monitor limit utilization](docId\:KEF-tnmS8kieC5Ky8ptS-) | | | [Core.Transaction.Completed (RTP Credit)](docId\:ffGq2OHYEbWPzn2old6Mc) | Transaction completed successfully for Instant Payment Credit transaction | [Credit transfer](docId:727H0GkQerqHAFKEy67Uu)
[Payment transactions](docId\:luDEbxnwU8p7Knb_bDM6I) | | [Core.Transaction.Completed (RTP Debit)](docId\:ffGq2OHYEbWPzn2old6Mc) | Transaction completed successfully for Instant Payment Debit transaction | [Payment transactions](docId\:luDEbxnwU8p7Knb_bDM6I) | ## Event examples ### Rtp.Payment.Sent :::CodeblockTabs Rtp.Payment.Sent ```curl { "id": "6be43fe7-043b-43be-ba64-b1c6012ee9e5", "eventName": "Rtp.Payment.Sent", "status": "Pending", "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd", "createdAt": "2024-08-08T14:22:52.507-04:00", "resources": [ "rtp/v1/payments/469ce76c-6d74-4dfc-9b8a-b1c6012edbf8" ], "details": [ { "paymentId": "469ce76c-6d74-4dfc-9b8a-b1c6012edbf8", "paymentType": "CreditTransfer", "resultCode": "OK", "resultAdditionalInfo": null, "coreTransactionId": "d1ec6120-7151-4af9-b56d-b1c6012edc3e", "memoPostId": "469ce76c-6d74-4dfc-9b8a-b1c6012edbf8", "accountNumber": "2212135061", "postingCode": "OK", "rtpTransactionStatus": "ACTC", "purpose": "Sponsor donation", "awaitingResponse": "False", "referencedPaymentId": null, "networkPlatform": "TCH", "amount": "3500", "clientIdentifier": "41x30e25-a0a9-42e0-ac89-845520508c85" } ] } ``` ::: ### Rtp.Payment.Received :::CodeblockTabs Rtp.Payment.Received ```curl { "id": "3f4968a3-1425-47bf-a97e-b2980109dee1", "eventName": "Rtp.Payment.Received", "status": "Pending", "partnerId": "ba9d0234-26e9-43a2-9070-aedd0108eadb", "createdAt": "2025-03-06T11:08:02.303+00:00", "resources": [ "rtp/v1/payments/b06839a7-08c8-4918-8610-b2980109d7b2" ], "details": [ { "paymentId": "b06839a7-08c8-4918-8610-b2980109d7b2", "paymentType": "CreditTransfer", "resultCode": "OK", "resultAdditionalInfo": null, "coreTransactionId": "a64f9eea-dce1-4809-aa0d-b2980109da6d", "accountNumber": "138394490138", "postingCode": "OK", "purpose": "Credit Transfer", "amount": "15000", "awaitingResponse": "False", "referencedPaymentId": null, "networkPlatform": "TCH", "clientIdentifier": null, "debtorName": "string", "debtorAccountNumber": "9877987977", "debtorRoutingNumber": "020202020", "remittanceData": null } ] } ``` ::: ### Rtp.Payment.Rejected :::CodeblockTabs Rtp.Payment.Rejected ```curl { "id": "911ff705-e28d-4e3f-80a9-b1c6012ee9e5", "eventName": "Rtp.Payment.Rejected", "status": "Pending", "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd", "createdAt": "2024-08-08T14:22:52.507-04:00", "resources": [ "rtp/v1/payments/9097797b-d731-4f60-8d07-b1c6012eca94" ], "details": [ { "paymentId": "9097797b-d731-4f60-8d07-b1c6012eca94", "paymentType": "CreditTransfer", "resultCode": "1100", "resultAdditionalInfo": "Simulator - Reject Payment Test", "postingCode": "OK", "rtpTransactionStatus": "RJCT", "purpose": "Sponsor donation", "referencedPaymentId": null, "networkPlatform": "TCH", "amount": "3000", "clientIdentifier": "41x30e25-a0a9-42e0-ac89-845520508c85", "direction": "Outbound" } ] } ``` ::: ### Rtp.Payment.Expired :::CodeblockTabs Rtp.Payment.Expired ```curl { "id": "6be43fe7-043b-43be-ba64-b1c6012ee9e5", "eventName": "Rtp.Payment.Expired", "status": "Pending", "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd", "createdAt": "2026-03-05T14:22:52.507-04:00", "resources": [ "rtp/v1/payments/59e75dcc-4195-4e43-a005-ad8301373119" ], "details": [ { "paymentId": "59e75dcc-4195-4e43-a005-ad8301373119", "paymentType": "RequestForPayment", "resultCode": "OK", "resultAdditionalInfo": null, "postingCode": "OK", "rtpTransactionStatus": "RCVD", "purpose": "ENTERED BY #5A3294F2B86DD11808412619#", "referencedPaymentId": null } ] } ``` ::: ### Rtp.Payment.Queued :::CodeblockTabs Rtp.Payment.Queued ```curl { "id": "6be43fe7-043b-43be-ba64-b1c6012ee9e5", "eventName": "Rtp.Payment.Queued", "status": "Pending", "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd", "createdAt": "2024-08-08T14:22:52.507-04:00", "resources": [ "rtp/v1/payments/469ce76c-6d74-4dfc-9b8a-b1c6012edbf8" ], "details": [ { "paymentId": "469ce76c-6d74-4dfc-9b8a-b1c6012edbf8", "paymentType": "CreditTransfer", "resultCode": "Queued", "resultAdditionalInfo": null, "coreTransactionId": "d1ec6120-7151-4af9-b56d-b1c6012edc3e", "memoPostId": "469ce76c-6d74-4dfc-9b8a-b1c6012edbf8", "accountNumber": "2212135061", "postingCode": "OK", "rtpTransactionStatus": "ACTC", "purpose": "Sponsor donation", "awaitingResponse": "False", "referencedPaymentId": null, "networkPlatform": "TCH", "amount": "3500", "clientIdentifier": "41x30e25-a0a9-42e0-ac89-845520508c85" } ] } ``` ::: ### Rtp.Payment.Canceled :::CodeblockTabs Rtp.Payment.Canceled ```curl { "id": "dcfa23b6-0a58-49c0-8d7c-b1c6012e16da", "eventName": "Rtp.Payment.Canceled", "status": "Pending", "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd", "createdAt": "2024-08-08T14:19:52.42-04:00", "resources": [ "rtp/v1/payments/38ad12ed-bbe8-4c3d-8e98-b1c6012dd420" ], "details": [ { "paymentId": "38ad12ed-bbe8-4c3d-8e98-b1c6012dd420", "paymentType": "CreditTransfer", "resultCode": "OK", "resultAdditionalInfo": null, "postingCode": "OK", "rtpTransactionStatus": null, "purpose": "Sponsor donation", "referencedPaymentId": null, "networkPlatform": "TCH", "amount": "1500", "clientIdentifier": "41x30e25-a0a9-42e0-ac89-845520508c85", "direction": "Outbound" } ] } ``` ::: ### Rtp.Payment.TimedOut :::CodeblockTabs Rtp.Payment.TimedOut ```curl { "id": "dcfa23b6-0a58-49c0-8d7c-b1c6012e16da", "eventName": "Rtp.Payment.TimedOut", "status": "Pending", "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd", "createdAt": "2024-08-08T14:19:52.42-04:00", "resources": [ "rtp/v1/payments/38ad12ed-bbe8-4c3d-8e98-b1c6012dd420" ], "details": [ { "paymentId": "a249d083-8865-4eb5-9e56-b46c009d958d", "paymentType": "CreditTransfer", "resultCode": "DS24", "resultAdditionalInfo": null, "postingCode": "OK", "rtpTransactionStatus": "ACTC", "purpose": "Credit Transfer", "referencedPaymentId": null, "networkPlatform": "TCH", "amount": "6877", "clientIdentifier": null, "direction": "Inbound" } ] } ``` ::: ### Rtp.Limits.Utilization.Changed :::CodeblockTabs Rtp.Limits.Utilization.Changed ```curl "eventName": "Rtp.Limits.Utilization.Changed", "metaFields": [     "productId",     "utilizationPercent",     "previousUtilizationPercent" ] ``` ::: ### Core.Transaction.Completed (RTP Credit) :::CodeblockTabs Core.Transaction.Completed (RTP Credit) ```curl { "id": "57c13064-90c7-4f41-952e-b2590111c1a1", "eventName": "Core.Transaction.Completed", "status": "Pending", "partnerId": "ba9d0234-26e9-43a2-9070-aedd0108eadb", "createdAt": "2026-01-02T11:36:42.987-05:00", "resources": [ "rtp/v1/payments/7d5fcc6e-d881-433b-b22e-b2590111abb9" ], "details": [ { "transactionId": "d4f01bcf-8eb2-441c-8ce8-adda015bbf96", "transactionCode": "RTP Credit", "debitSubAccount": "2434330730", "debitMasterAccount": "2434330730", "debitResult": "OK", "creditSubAccount": "10010010011", "creditMasterAccount": "10010010011", "creditResult": "OK", "rail": "Rtp", "railId": "payment/971c349d-b4c7-4a2f-9701-adda015bbee3", "amount": "10" } ] } ``` ::: ### Core.Transaction.Completed (RTP Debit) :::CodeblockTabs Core.Transaction.Completed (RTP Debit) ```curl { "id": "57c13064-90c7-4f41-952e-b2590111c1a1", "eventName": "Core.Transaction.Completed", "status": "Pending", "partnerId": "ba9d0234-26e9-43a2-9070-aedd0108eadb", "createdAt": "2026-01-02T11:36:42.987-05:00", "resources": [ "rtp/v1/payments/7d5fcc6e-d881-433b-b22e-b2590111abb9" ], "details": [ { "transactionId": "d4f01bcf-8eb2-441c-8ce8-adda015bbf96", "transactionCode": "RTP Debit", "debitSubAccount": "2434330730", "debitMasterAccount": "2434330730", "debitResult": "OK", "creditSubAccount": "10010010011", "creditMasterAccount": "10010010011", "creditResult": "OK", "rail": "Rtp", "railId": "payment/971c349d-b4c7-4a2f-9701-adda015bbee3", "amount": "10" } ] } ``` :::