To use XPay, both the sender and the receiver must be CR partners and registered for this service.

A shopper at a CR partner merchant can use XPay to load money and push payments to a different CR partner (such as a cryptocurrency exchange).

A CR partner can request a pull from a loaded account of a shopper at a CR partner merchant.

Use Cases

Originate a payment

Cancel a payment

INTERNAL-Working with XPay

Working with XPay

XPay

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mih_var

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Bank rails

Payment options

Use cases

Workflow

Rail types

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

XML Input File Examples

Output Files

Validation

Status and error codes

ISO20022 payments

Payment process flows

Simulate inbound payments

Originate a client batch

Working with ACH

RTP via TCH payment process flows

Query the directory

Instant Payment queuing

Instant Payment limits

Instant Payments

International Payments process flow

Send an international payment

International Payments in Explorer

International Payments

Simulate an inbound payment

Originate a drawdown request

Respond to a drawdown request

Authorization

Holds

Payment Templates

Working with Wires

Wires

Use Cases

Use Cases

Send funds

Pull funds