Calls an executable international payment quote that returns the cost of the transfer, including any fees and the exchange rate to a foreign currency.
Many beneficiary details are conditionally optional depending on destination country. Call GET /International/v1/meta/quote-requirements for a list of specific required parameters for your quote.
You need beneficiary details to create a quote. You use the value of the id attribute in the response (the Quote ID) to originate an international transfer. Quotes are typically valid for only 30 seconds.

Endpoint: /international/v1/quotes

Currency the customer is converting funds into. 3-letter ISO currency code.  Should be in lower case.

currency

Account number of the sending Cross River account

accountNumber

The amount in USD to be transferred.
Leave blank if you provide a toAmount.
Leave out the decimal point between the dollars and the cents.


fromAmount

The amount in the specified currency to be received.
Leave blank if you provide a fromAmount.
Leave out the decimal point between the dollars and the cents.

toAmount

The individual or company who gets the payment

beneficiary

Details of the beneficiary's financial institution (where the payment goes)

beneficiaryFi

True if the transfer is via SWIFT. Otherwise false. If you don't supply a value, the default is false.

priority

Requested fee for conversion of the funds using basis points (BPS) added onto the foreign exchange rate and earned by the COS partner into their specified account. The fee is added onto the foreign exchange rate when returned in the response. A basis point is 1/100th of a percent of the funds to be transferred.

Partners must be approved to use this attribute to earn conversion fees.

conversionFeeBps

The requested flat fee amount for the transaction in USD earned by the COS partner into their specified account

transactionFeeAmount

A 1-12 character code that indicates the reason for a transaction. This code is required for certain markets (countries).

purpose

The quote ID. You must use this GUID format ID when you originate a payment.

Currency the customer is converting funds into. 3-letter ISO currency code.

The amount in the specified currency to be received

Total fee. A combination of the fee charged by CR and that earned by the requesting partner, debited from the originating account

transactionFee

The executable conversion rate between the dollar amount and the foreign currency. The conversion rate is typically valid for only 30 seconds.

conversionRate

estimatedDeliveryDate

Date and time of quote expiration. Payment must be executed by the expiration to be accepted.

The date and time are in this format: yyyy-mm-ddThh:mm:ss[.mmm]

expiresAt

Status of the quote:

- Created
- Executed


status

For additional information, refer to our 

Required fields list

Request payment quote

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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