XPay parameters

2min

XPay transfers funds between CR and an MPL account within the Cross River Operating System (COS). XPay transfers are executed internally within CR and are immediate.
Once funds are in the MPL account, they can use the funds in any of these use cases:
Fund 3rd parties to make the final payment to the borrower
ACH to merchants (Point-of-Sale payments)
Recycle a loan for a repeat customer
JSON
{
    "LoanId": "bbedd717-8589-4411-b6da-ac6e0097bf51",
    "Rails": [
        {
        "XPayFields": {
            "ToAccountName": "",
            "ToAccountNumber": "2392433617",
            "Description": "A1B2C3"
            },
            "RailType": "COSXPay",
            "Priority": 1,
            "Amount": 7111.12
      }
    ]
}
{
    "LoanId": "bbedd717-8589-4411-b6da-ac6e0097bf51",
    "Rails": [
        {
        "XPayFields": {
            "ToAccountName": "",
            "ToAccountNumber": "2392433617",
            "Description": "A1B2C3"
            },
            "RailType": "COSXPay",
            "Priority": 1,
            "Amount": 7111.12
      }
    ]
}
﻿
Request parameters
Attribute
Description
ToAccountNumber
string
The unique identifier of the receiver. This defaults to the COS account number.
﻿Required ﻿
 
Description
string
A description of the transaction to be used by the partner to identify the transaction.
Minimum length of 1, maximum length of 30.
﻿Required ﻿
 
ToAccountName
string
Name of the account receiving the funds
﻿Required ﻿
﻿

Attribute	Description
ToAccountNumber string	The unique identifier of the receiver. This defaults to the COS account number. Required
Description string	A description of the transaction to be used by the partner to identify the transaction. Minimum length of 1, maximum length of 30. Required
ToAccountName string	Name of the account receiving the funds Required

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Updated 15 Oct 2024

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