Wire transfer

name endpoint wires v1 payments method post url https sandbox crbcos com wires v1 payments description sends a single wire transfer payment tab examples examples languages id mtsrdsnj69g4mxievompv language curl code curl l https sandbox crbcos com wires v1 payments n d n accountnumber 2955057589 n businessfunctioncode ctr n receiverroutingnumber 026009593 n beneficiary n idcode d n identifier 316840684 n name stewie griffin n address1 31 spooner st n address2 quahog ri 33030 n address3 us n n beneficiaryreference gift n originatortobeneficiary1 happy birthday n amount 15000 n purpose testing n clientidentifier 05d73490 65ac 4725 98b6 cbf8252e52fe n n n customlabel id m0ovvmc ufe3dfj423 bo language nodejs code var https require follow redirects https; nvar fs require fs ; n nvar options n method post n hostname sandbox crbcos com n path wires v1 payments n headers n n maxredirects 20 n ; n nvar req https request options function res n var chunks ; n n res on data function chunk n chunks push chunk ; n ; n n res on end function chunk n var body buffer concat chunks ; n console log body tostring ; n ; n n res on error function error n console error error ; n ; n ; n nvar postdata r n accountnumber 2955057589 r n businessfunctioncode ctr r n receiverroutingnumber 026009593 r n beneficiary r n idcode d r n identifier 316840684 r n name stewie griffin r n address1 31 spooner st r n address2 quahog ri 33030 r n address3 us r n r n beneficiaryreference gift r n originatortobeneficiary1 happy birthday r n amount 15000 r n purpose testing r n clientidentifier 05d73490 65ac 4725 98b6 cbf8252e52fe r n r n r n ; n nreq write postdata ; n nreq end ; customlabel id o 7efxdul0tolkos1v1 g language python code import requests n nurl https sandbox crbcos com wires v1 payments n npayload r n accountnumber 2955057589 r n businessfunctioncode ctr r n receiverroutingnumber 026009593 r n beneficiary r n idcode d r n identifier 316840684 r n name stewie griffin r n address1 31 spooner st r n address2 quahog ri 33030 r n address3 us r n r n beneficiaryreference gift r n originatortobeneficiary1 happy birthday r n amount 15000 r n purpose testing r n clientidentifier 05d73490 65ac 4725 98b6 cbf8252e52fe r n r n r n nheaders n n n nresponse requests request post url headers headers data payload n nprint response text n customlabel id 87mpvcfqvi032eolf41cc language ruby code require uri nrequire net http n nurl uri https sandbox crbcos com wires v1 payments n nhttps net http new url host url port nhttps use ssl true n nrequest net http post new url nrequest body r n accountnumber 2955057589 r n businessfunctioncode ctr r n receiverroutingnumber 026009593 r n beneficiary r n idcode d r n identifier 316840684 r n name stewie griffin r n address1 31 spooner st r n address2 quahog ri 33030 r n address3 us r n r n beneficiaryreference gift r n originatortobeneficiary1 happy birthday r n amount 15000 r n purpose testing r n clientidentifier 05d73490 65ac 4725 98b6 cbf8252e52fe r n r n r n n nresponse https request request nputs response read body n customlabel id yp ndyky5byoh3pbco8f3 language go code package main n nimport n fmt n strings n net http n io n n nfunc main n n url https sandbox crbcos com wires v1 payments n method post n n payload strings newreader n n accountnumber 2955057589 n n businessfunctioncode ctr n n receiverroutingnumber 026009593 n n beneficiary n n idcode d n n identifier 316840684 n n name stewie griffin n n address1 31 spooner st n n address2 quahog ri 33030 n n address3 us n n n n beneficiaryreference gift n n originatortobeneficiary1 happy birthday n n amount 15000 n n purpose testing n n clientidentifier 05d73490 65ac 4725 98b6 cbf8252e52fe n n n n n n n n client http client n n req err http newrequest method url payload n n if err ! nil n fmt println err n return n n res err client do req n if err ! nil n fmt println err n return n n defer res body close n n body err io readall res body n if err ! nil n fmt println err n return n n fmt println string body n customlabel selectedlanguageid mtsrdsnj69g4mxievompv results languages id qhmia1yj9zvp9mo9zqnhh language 200 customlabel code n id 2c17d36d cb70 420d 9a16 b30100ddd39c n accountnumber 2955057589 n coretransactionid 5449f04c 9dce 4d54 9873 b30100ddd39c n referenceid ft86171667z n direction outbound n paymenttype transfer n source api n status created n posting pending n partnerauthorization notrequired n partnerauthorization2 notrequired n enteredbyid b799951d47eb410d92b9da901b8ffa69 n amount 15000 n currency usd n purpose testing n businessfunctioncode ctr n typecode 1000 n senderroutingnumber 021214891 n sendername cross river bank n senderreference ft86171667z n receiverroutingnumber 026009593 n receivername bk amer nyc n originatingfi n idcode f n identifier 021214891 n name cross river bank n address1 400 kelby street n address2 fort lee nj n address3 us n n originator n identifier 2955057589 n name originator name n n beneficiary n idcode d n identifier 316840684 n name stewie griffin n address1 31 spooner st n address2 quahog ri 33030 n address3 us n n originatortobeneficiary1 happy birthday n beneficiaryreference gift n wasreversed false n isinternational false n clientidentifier 05d73490 65ac 4725 98b6 cbf8252e52fe n createdat 2025 06 19t09 27 38 7553761 04 00 n effectivedate 2025 06 19t00 00 00 04 00 n originalpaymentid 2c17d36d cb70 420d 9a16 b30100ddd39c n partnerid 1101a33d fbd9 4b9e b169 b29500f12407 n productid 29f3022a ccfc 42eb aa8f b29500f13d00 n lastmodifiedat 2025 06 19t09 27 38 7553761 04 00 n postingcode ok n investigated false n isopaymenttype customercredittransfer n id 1yo0myc ornxdwloa u5h language 403 code n errors n n code 3001 n message origination payment amount exceeds user permissions n n n customlabel selectedlanguageid 1yo0myc ornxdwloa u5h request pathparameters queryparameters headerparameters bodydataparameters name accountnumber kind required type string description originator account number name originator kind optional type object description originator of the payment n nwhen calling the api the originator on the outbound wire is either cross river by default or the name of the account depending on the configuration of your product originator of the payment n nwhen calling the api the originator on the outbound wire is either cross river by default or the name of the account depending on the configuration of your product children name idcode kind optional type string description details of the financial institution sending the wire specifies the type of value in the identifier field that follows it 1 character see the list of id codes name identifier kind optional type string description originator id name name kind optional type string description originator name maximum 140 characters name address1 kind optional type string description details of the party sending the wire field of 35 characters usually used for the street address name address2 kind optional type string description details of the party sending the wire field of 35 characters usually used for the city state and postal code name address3 kind optional type string description details of the party sending the wire field of 35 characters for any information for example country code or information related to the wire schema name idcode kind optional type string description details of the financial institution sending the wire specifies the type of value in the identifier field that follows it 1 character see the list of id codes name identifier kind optional type string description originator id name name kind optional type string description originator name maximum 140 characters name address1 kind optional type string description details of the party sending the wire field of 35 characters usually used for the street address name address2 kind optional type string description details of the party sending the wire field of 35 characters usually used for the city state and postal code name address3 kind optional type string description details of the party sending the wire field of 35 characters for any information for example country code or information related to the wire name businessfunctioncode kind required type string description the business purpose of the wire transfer the most common type is customer wire transfer ctr where the beneficiary isn t a bank see the full list of codes and descriptions the business purpose of the wire transfer the most common type is customer wire transfer ctr where the beneficiary isn t a bank see the full list of codes and descriptions name receiverroutingnumber kind required type string description the 9 digit fedwire routing number of the financial institution receiving the wire drawdown request the aba directory provides financial institution routing numbers the 9 digit fedwire routing number of the financial institution receiving the wire drawdown request the aba directory provides financial institution routing numbers name beneficiary kind required type object description entity receiving the funds children name idcode kind required type string description specifies the type of value in the identifier field that follows it maximum 1 character nfor outbound payments this field must contain a valid customer code with the most common being d for demand deposit accounts n nplease refer to the request and response code section for the full list of valid customer codes name identifier kind required type string description a number or string that provides unique identification such as a driver s license number for an individual or a fed routing number for an fi maximum 34 characters nfor outbound payments this is the beneficiary s account number n name name kind required type string description beneficiary name maximum 140 characters name address1 kind optional type string description field of 35 characters usually used for the street address n name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire schema name idcode kind required type string description specifies the type of value in the identifier field that follows it maximum 1 character nfor outbound payments this field must contain a valid customer code with the most common being d for demand deposit accounts n nplease refer to the request and response code section for the full list of valid customer codes name identifier kind required type string description a number or string that provides unique identification such as a driver s license number for an individual or a fed routing number for an fi maximum 34 characters nfor outbound payments this is the beneficiary s account number n name name kind required type string description beneficiary name maximum 140 characters name address1 kind optional type string description field of 35 characters usually used for the street address n name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name beneficiaryfi kind optional type object description bank receiving the wire transfer children name idcode kind required type string description specifies the type of value in the identifier field that follows it maximum 1 character n nfor outbound payments the value for the beneficiary fi is f to indicate the bank fed routing number this field is optional for domestic wires because the system automatically uses the banking information for the value entered into the receiverroutingnumber field n nrequired if idcode is not f fed routing number name identifier kind required type string description a number or string that provides unique identification such as a driver s license number for an individual or a fed routing number for an fi maximum 34 characters n nfor outbound payments enter the bank fed routing number for the beneficiary fi this field is optional for domestic wires because the system automatically uses the banking information for the value entered into the receiverroutingnumber field n nrequired if idcode is not f fed routing number name name kind required type string description beneficiary financial institution name maximum 140 characters n nrequired if idcode is not f fed routing number name address1 kind optional type string description field of 35 characters usually used for the street address n nmust include address1 if idcode is not a bic name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire schema name idcode kind required type string description specifies the type of value in the identifier field that follows it maximum 1 character n nfor outbound payments the value for the beneficiary fi is f to indicate the bank fed routing number this field is optional for domestic wires because the system automatically uses the banking information for the value entered into the receiverroutingnumber field n nrequired if idcode is not f fed routing number name identifier kind required type string description a number or string that provides unique identification such as a driver s license number for an individual or a fed routing number for an fi maximum 34 characters n nfor outbound payments enter the bank fed routing number for the beneficiary fi this field is optional for domestic wires because the system automatically uses the banking information for the value entered into the receiverroutingnumber field n nrequired if idcode is not f fed routing number name name kind required type string description beneficiary financial institution name maximum 140 characters n nrequired if idcode is not f fed routing number name address1 kind optional type string description field of 35 characters usually used for the street address n nmust include address1 if idcode is not a bic name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name intermediaryfi kind optional type object description intermediary bank involved in the transaction required when sending an international payment children name idcode kind required type string description specifies the type of value in the identifier field that follows it maximum 1 character name identifier kind required type string description a number or string that provides unique identification such as a driver s license number for an individual or a fed routing number for an fi maximum 34 characters n nin this object enter an identifier for the intermediary bank involved with the wire transaction if the idcode is a fed routing number the identifier must be a valid fed participant n name name kind required type string description intermediary financial institution name maximum 140 characters n name address1 kind optional type string description field of 35 characters usually used for the street address n nmust include address1 if idcode is not a bic name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire schema name idcode kind required type string description specifies the type of value in the identifier field that follows it maximum 1 character name identifier kind required type string description a number or string that provides unique identification such as a driver s license number for an individual or a fed routing number for an fi maximum 34 characters n nin this object enter an identifier for the intermediary bank involved with the wire transaction if the idcode is a fed routing number the identifier must be a valid fed participant n name name kind required type string description intermediary financial institution name maximum 140 characters n name address1 kind optional type string description field of 35 characters usually used for the street address n nmust include address1 if idcode is not a bic name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name beneficiaryreference kind optional type string description optional field for additional information 35 characters maximum optional field for additional information 35 characters maximum name originatortobeneficiary1 kind optional type string description field for additional information from the originator to the beneficiary n n35 characters maximum n nyou can add information in up to 4 originator to beneficiary fields originatortobeneficiary1 originatortobeneficiary2 originatortobeneficiary3 originatortobeneficiary4 children name amount kind required type integer description dollar amount of wire transfer in positive integral cents for example write 1 00 as 100 children name purpose kind required type string description reason for the wire transfer such as daily settlement also use this field if you submit multiple wires for the same amount such as 1 of 2 2 of 2 this data is not included with the outgoing fedwire message maxmum 50 characters reason for the wire transfer such as daily settlement also use this field if you submit multiple wires for the same amount such as 1 of 2 2 of 2 this data is not included with the outgoing fedwire message maxmum 50 characters name clientidentifier kind optional type string 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 children formdataparameters currentnewparameter label body parameter value bodydataparameters response name id kind optional type string description the payment id first appears in the initial response to the originate a payment request this id is in guid format name accountnumber kind optional type string description cross river account number in cross river depending on the account type the number of digits will vary the first digit indicates the kind of account children name coretransactionid kind optional type string description internal cross river unique id for the transaction children name referenceid kind optional type string description unique reference id for the payment the reference id always begins with the first letter of the rail for wires the reference id starts with w children name fedbatchid kind optional type string description unique identifier in guid format for the federal reserve batch the payment went out on or came in on for inbound payments children name fedbatchsequence kind optional type integer description sequence number of payment in batch children name direction kind optional type string description inbound or outbound children name paymenttype kind optional type string description transfer drawdown drawdownresponse servicemessage reversal children name source kind optional type string description method used to send payment instructions phone fax email file api partner portal ops portal children name status kind optional type string description payment status created pending hold batched processing completed rejected canceled blocked children name posting kind optional type string description posting status pending posted failed canceled children name rejectionreason kind optional type string description rejected because ofaccancel unabletodetermine ofacconfirmed ofacunconfirmed other children name blockedreason kind optional type string description blocked because ofacmatch other children name partnerauthorization kind optional type string description partner authorization for out of band payment requests notrequired pending approved canceled children name authorizedat kind optional type string description date and time the wire was authorized in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name authorizedbyid kind optional type string description cross river user id of the partner user who authorizes the wire children name authorizedbyname kind optional type string description cross river username of the partner user who authorizes the wire children name partnerauthorization2 kind optional type string description second partner authorization for out of band payment requests notrequired pending approved canceled children name authorizedat2 kind optional type string description date and time the wire was authorized in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name authorizedbyid2 kind optional type string description cross river user id of the partner user who authorizes the wire children name authorizedbyname2 kind optional type string description cross river username of the partner user who authorizes the wire children name amount kind optional type integer description dollar amount of wire transfer in positive integral cents for example write 1 00 as 100 children name currency kind optional type string description currency of funds transfer children name purpose kind optional type string description reason for the wire transfer such as daily settlement also use this field if you submit multiple wires for the same amount such as 1 of 2 2 of 2 this data is not included with the outgoing fedwire message children name imad kind optional type string description input messaging accountability data a combination of a date source identifier and sequence number assigned to a fedwire message when it is processed by the federal reserve bank funds transfer application unique to the payment children name omad kind optional type string description output messaging accountability data a combination of a date destination identifier and sequence number assigned to a fedwire message when it is processed by the federal reserve bank funds transfer application children name businessfunctioncode kind optional type string description the business purpose of the wire transfer the most common type is customer wire transfer ctr where the beneficiary isn t a bank see the full list of codes and descriptions children name typecode kind optional type string description the type code value provides information about the type of wire transfer sent type code first 2 digits and more details about the transfer subtype code second 2 digits children name senderroutingnumber kind optional type string description fedwire routing number for the sender s bank children name sendername kind optional type string description entity sending the wire children name senderreference kind optional type string description sender assigned reference number 35 characters maximum children name receiverroutingnumber kind optional type string description the 9 digit fedwire routing number of the financial institution receiving the wire drawdown request the aba directory provides financial institution routing numbers children name receivername kind optional type string description name of the fi receiving the funds children name originatingfi kind optional type object description details of the financial institution sending the wire children name idcode kind optional type string description specifies the type of value in the identifier field that follows it 1 character see the list of id codes name identifier kind optional type string description identifier at the financial institution sending the wire name name kind optional type string description name of the originating financial institution name address1 kind optional type string description field of 35 characters usually used for the street address name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name originator kind optional type object description details of the party sending the wire children name idcode kind optional type string description specifies the type of value in the identifier field that follows it 1 character see the list of id codes name identifier kind optional type string description identifier for the party sending the wire for outbound payments where originator details are submitted with the payment request this is the customer account number otherwise the system automatically populates this field name name kind optional type string description originator name name address1 kind optional type string description field of 35 characters usually used for the street address name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name intermediaryfi kind optional type object description details of any intermediary bank involved in the wire transaction not all wire transfers use an intermediary fi children name idcode kind optional type string description specifies the type of value in the identifier field that follows it 1 character see the list of id codes name identifier kind optional type string description identifier for the intermediary bank involved with the wire transaction name name kind optional type string description intermediary financial institution name name address1 kind optional type string description field of 35 characters usually used for the street address name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name beneficiaryfi kind optional type object description details of the financial institution receiving the wire children name idcode kind optional type string description specifies the type of value in the identifier field that follows it 1 character see the list of id codes n nfor outbound payments the value for the beneficiary fi is f to indicate the bank fed routing number this field is optional for domestic wires because the system automatically uses the banking information for the value entered into the receiverroutingnumber field name identifier kind optional type string description identifier for the bank receiving the wire for outbound payments this is the bank fed routing number this field is optional for domestic wires because the system automatically uses the banking information for the value entered into the receiverroutingnumber field name name kind optional type string description beneficiary financial institution name maximum 140 characters name address1 kind optional type string description field of 35 characters usually used for the street address name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name beneficiary kind optional type object description details of the party receiving the wire children name idcode kind optional type string description identifier code for the party receiving the wire for outbound payments this is d to indicate a deposit account name identifier kind optional type string description identifier for the party receiving the wire for outbound payments this is the beneficiary s account number name name kind optional type string description beneficiary name maximum 140 characters name address1 kind optional type string description field of 35 characters usually used for the street address name address2 kind optional type string description field of 35 characters usually used for the city state and postal code name address3 kind optional type string description field of 35 characters for any information for example country code or information related to the wire name originatortobeneficiary1 kind optional type string description field for additional information from the originator to the beneficiary children name beneficiaryreference kind optional type string description optional field for additional information 35 characters maximum children name receiptdate kind optional type string description month and day the wire was received in the format mmdd children name receipttime kind optional type string description time the wire was received in the format hhmm children name wasreversed kind optional type boolean description true if the payment was reversed otherwise false children name isinternational kind optional type boolean description true if the payment is international otherwise false children name clientidentifier kind optional type string 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 children name createdat kind optional type string description date and time the payment was created in the system in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name releasedat kind optional type string description date and time the payment was released in a distribution to the fed in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name processedat kind optional type string description date and time the payment was processed by cross river in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name canceledat kind optional type string description date and time the payment was canceled children name rejectedat kind optional type string description date and time the payment was rejected in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name blockedat kind optional type string description date and time the payment was blocked by bsa aml in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name effectivedate kind optional type string description business date on which the payment is effective children name completedat kind optional type string description date and time the payment was systemically completed this can only occur after the payment has successfully posted to the account in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name postedat kind optional type string description date and time the payment was posted to the cross river account in this case the date and time are in this format yyyy mm ddthh mm ss mmm children name originalpaymentid kind optional type string description payment id of a previously sent wire that was reversed otherwise the same as the payment id children name partnerid kind optional type string description your id in the cross river system this id is in guid format children name productid kind optional type string description id in guid format of your specific product type on which the account is based provided by cross river in this case the cross river account involved in the payment more about product ids children name lastmodifiedat kind optional type string description internal cross river value date and time the database entry was last modified children name postingcode kind optional type string description includes ok posted res account restricted nsf insufficient funds in the account sending the wire children