Instant Payments
Payment limits
3min
When you use instant payments, be aware of the various limits imposed by the networks and by Cross River.
Each payment network has its own limits for credit transfer amounts.
Network | Limits |
---|---|
TCH (RTP) |
|
FedNow |
|
CRNow |
|
Cross River sets a daily send limit for Instant Payments per partner to ensure smooth operations and prevent disruptions. Limit utilization helps manage limits and prevent payment disruptions.
- Limit Determination – Based on:
- Previous instant payment usage.
- Daily average balance in your Instant Payments-eligible account.
- Projections provided during onboarding.
- Adjustments – Limits can be adjusted up or down with Cross River approval.
Cross River calculates your limit utilization by calculating the total amount of successful credit transfers and comparing it to your daily send limit for Instant Payments.
- Calculation Frequency – The system calculates utilization every 10 minutes for active products (products with successful transfers that day). This interval can be configured.
- Processing Window – Utilization resets at 1 pm (ET) each day. Payments are tracked based on a timestamp.
- Data Retention – Utilization history is stored for 28 hours. Data older than 28 hours is removed hourly.
Learn about the API side of limit utilization.
Updated 30 Jan 2025
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