The following diagram shows the outbound flows and webhooks for ACH payments.

The following diagram shows the inbound flows and webhooks for an ACH payment.

Use cases

Payment process flows

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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mih_var

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scenario

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variabila

Archbee

text

test

specific

refresh_token

YourBank

MyBank

variable_test_video

variable123

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Bogdan_test

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target1

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support

product_name

Originate a payment

Bank rails

Payment options

Sending and receiving files

PAIN.001.001.03 input file

PAIN.008.001.02 input file

Preparing your input XML file

Requirements for XML Files per Rail

Book Transfer

ACH CCD/PPD

Fedwire

Direct Debit

RTP/FedNow

XML input file examples

Output Files

Validation

Status and error codes

ISO20022 payments

Simulate inbound payments

Originate a client batch

Working with ACH

Process flows

Key Concepts

Network interoperability in detail

Payment queuing

Payment limits

Fraud reporting by partners

Set payment expiration

Query the directory

Instant Payments

International Payments process flow

Send an international payment

International Payments in Explorer

International Payments

Respond to a drawdown request

Originate a drawdown request

Simulate an inbound payment

Authorization

Holds

Request service messages

Payment Templates

Working with Wires

Wires

Payment process flows

Outbound

Inbound