Instant Payments

Network interoperability in detail

5min
benefits of network interoperability efficient routing payments are routed based on network availability and product configuration flexibility you can define routing preferences at both the product and transaction levels reliability payments leverage crnow, rtp®, and fednow® to ensure seamless delivery by integrating advanced routing logic and supporting multiple networks, cross river delivers a robust and flexible instant payments solution routing preferences cross river offers two routing options for instant payments smart routing payments automatically route based on configured network preferences crnow specific criteria (for example, receiver account details, routing numbers, partner enablement) explicit routing you specify your preferred network for individual transactions by including the networkplatform attribute in the specific api request routing logic all networks enabled if you enable your product for all possible networks (crnow, rtp, and fednow), routing is determined by receiver account details routing numbers partner configurations availability of the creditor fi (or debtor fi for rfps) rtp and fednow only if you enable your product only for rtp and fednow, routing follows these criteria in the api request if the networkplatform attribute contains a value in the api request, routing follows the value supplied if you don't provide the networkplatform attribute, routing defaults to either your configured network preference for the product or cross river's default see the instant payments network selection when the payment is sent routing follows these rules both networks available and online the transaction routes based on the configured network preference one network available the transaction routes through the available network no networks available the transaction fails