Wires
Working with Wires

Request service messages

1min

Cross River introduces the Request Service Message feature in COS Explorer for wire transactions, enhancing efficiency in handling wire returns. This feature allows you to specify whether to return the full amount, a partial amount, or no amount for a wire transaction.

The Request Service Message feature includes a convenient drop-down menu for your responses, streamlining the review process and expediting the release of service messages.

Use this feature instead of the Notes section.

For questions, contact your Relationship Manager.

For any wire transaction, click Request Service Message in COS Explorer from the list of actions in the right-hand pane.

Request services command in COS Explorer UI


Initiate a Service Message

1

Select a Service Message Type

  1. Navigate to the relevant wire transaction, typically an inbound wire for which a return has been requested.
  2. Click Request Service Message. A drop-down menu appears.
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2

Choose an option.

Each option has specific input requirements.

  • Full Return of Funds Select this option if the full amount can be returned. You must initiate the payment return after responding to the return request.
  • Partial Return of Funds Enter the partial amount that will be returned. You must initiate the partial payment return after responding to the return request.
  • No Return of Funds Select one of the following reasons from the drop-down menu:

Reason code

Reason type

Description

AC04

Account closed

The account number specified is closed on the Receiver's books

ADAC

Debit authority missing from the customer

The cancellation request can't be processed because the customer has not yet provided the debit authority on this account

AM04

Insufficient funds in the account

There are not enough funds available to cover the specified message amount

ARDT

Funds already returned

The cancellation isn't accepted because the transaction was already returned

ARFR

Debtor refused the return

Request-to-pay was already refused by the Debtor

ARJR

Request formally rejected due to operational or policy reasons

Request-to-pay has already been rejected

CUST

Customer declined the return

The cancellation cannot be accepted because of a customer decision (Creditor)

Other

Answer using free text

Use only when the other options don't apply

  • Other When the other Return Type options don't apply, select Other and enter free text in the field. For example, Hold Harmless.



Updated 05 Feb 2025
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