Wires

Working with Wires

4min

You send, receive and settle a variety of payments on a same-day basis in the Wires tab. Payments could include consumer payments, commercial payments, settlement payments with other networks or clearing houses, federal tax payments, or federal fund purchase and sale.
When you set up your Wires product, Cross River lets you define an allowlist of countries pre-approved to receive international wire payments from. International wires originating in countries not on your allowlist are checked by the CR Wires Ops team before approving the transfer. This may cause a delay in receiving the payment.
In the Wires tab, click Wire Search to display the Wire Search information screen.
View wire payment information
Wire details
Click an entry in the Wire Search list.
The main payment information displays in the Wire Details area:
Column
Description
Reference ID
Reference ID of wire payment
International
Whether the payment is international
Partner
Name of partner associated with payment
Status
Wire payment status
Payment Type
Wire payment type
Function Code
Business function code of wire payment
IMAD
IMAD (Input Messaging Accountability Data) number assigned to wire payment
Source
Wire payment source
Client Identifier
Optional field used for  idempotency handling﻿.
Created
Date and time wire was created
Auth
Whether authorization is Required/Not required
Completed
Date and time wire was completed
Amount
Amount of wire payment in dollars
Product
Product associated with account
Posting
Wire payment posting status
Direction
Wire payment direction
Type Code
Business type code of wire payment
OMAD
OMAD (Output Messaging Accountability Data) number assigned to wire payment
Purpose
Wire payment purpose
Effective
Date and time of wire payment effective
Dual Auth
Dual Authorization (Required/ Not required)
Sending Institution
Sending institution information
Originator Institution
Originating institution information
Originator
Originator information
Receiving Institution
Receiving institution information
Beneficiary
Beneficiary information
Sender Reference
Reference of entity sending wire
Wire Holds
The Wire Holds area displays information on the holds imposed on the wire, including the status of the hold and the type of the hold.
Posting Records
The Posting Records dialog displays details of the wires attempts.
You can toggle between a display All Attempts or a display of only completed attempts.
Payment Tasks
View Fedwire Message
You can view the Fedwire message on the wire using the View Fedwire Message option in the Payment Tasks area.
In the Fedwire Message View dialog, the Payment ID displays with the Fedwire message itself.
View Webhooks
The View Webhook Events dialog lets you filter on and see details about webhook events.
To filter for specific events, click the filter icon to toggle the search fields, and enter relevant search parameters. Click Search.
Column
Description
EVENT
Payment event
STATUS
Expired, Failed, Pending, Success
CREATED
Time and date stamp of event creation
ATTEMPTED
Time and date stamp of event attempt
Click  Refresh button to resend a specific event.
Click OK button to open the Webhook Event Detailsdialog for a given event.
Click the entry under RESOURCE to display further details.
Click the entry under CALLBACK URL toview Log Details.
View History
The Wire History dialog displays the history of all related wire payments, including the direction of the wire, the function code, the date that the wire was received, the status and the reference ID number.
Click the bottom item in the Payment History area to view the Wire Payment Information screen for that related payment.
After clicking the bottom item, you can toggle the Payment History area to refresh the bottom row with the original payment you viewed. You can click the bottom row again to view the original payment again.
View Notes
Click View Notes in the Payment Tasks area to view and add notes on a wire payment.
The View Notes dialog displays notes that have been saved for the wire payment:
Field
Description
DATE
Note creation date
SUBJECT
Note subject
AUDIENCE
Note audience (Internal /Partner)
CREATED BY
COS user who created note
Body
Note text
﻿Click Retry Posting, this dialog displays:﻿
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Search for wire payments
1
Go to Wires>Wire Search.
2
Search by ID or click the filter icon and enter your search parameters:
Filter
Description
Ref ID
Wire payment Ref ID
Partner
Partner name
Product
Product name
Auth
Not Required, Pending, Approved, Canceled
Dual Auth
Not Required, Pending, Approved, Canceled
Direction
Payment direction (Inbound /Outbound)
Type
Wire payment type
Status
Payment status
Start
Payment date, search from that date onwards
End
Payment date, to search until that date
Min Amount
Minimum payment amount
Max Amount
Maximum payment amount
Imad
IMAD (Input Messaging Accountability Data) number
Ben. Name
Beneficiary name
Orig. Name
Originator name
Reversed
Whether the payment has been reversed
International
Whether the payment is international
Business Func
Business function
Type Code
Transaction type code
Client Identifier
Use this attribute to add your own unique identifying string to a payment call or COS record. This attribute is useful for  idempotency purposes﻿ .
Blocked Reason
Reason for wire being blocked
Rejection Reason
Reason for rejection
Source
API, Partner Portal, Ops Portal
3
Click Search.
Each row in the list represents an individual wire payment.
The search results display in the Wire Search list:
Column
Description
Ref ID
Wire payment Ref ID
Status
Wire payment status
Posting
Wire payment posting status
Partner
Partner associated with wire payment
Dir
Direction of wire payment
Type
Wire payment type
Date
Wire payment date
Originator
Name and account number of payment originator
Beneficiary
Payment beneficiary name
Receiver Fi
Receiver routing number
Code
Business function code
Type Code
Code describing transaction
Auth
Authorization required/not required
Dual Auth
Dual authorization required/not required
IMAD
IMAD number of wire payment
Amount
Amount of transaction
Originate a wire payment
In the Wires module, the Originate Wire tab allows you to originate a wire payment.
To originate a wire payment:
1
Click the Wires tab.
2
Click Originate Wire to open the Originate Wire screen.
3
In the Originate Wire screen, enter the information into the fields:
Field
Description
Business Function Code
Business function code (Required)
Originator Account #
Originator account number
Receiver Routing #
Receiver routing number
Purpose
Purpose of wire payment
Amount
Dollar amount of wire payment
Beneficiary Identifier
Identifier type for the beneficiary
Beneficiary Name
Beneficiary name
Beneficiary Address [1-3]
Beneficiary address
Beneficiary FI Identifier
Identifier type for beneficiary financial institution (FI)
Beneficiary FI Name
Beneficiary financial institution name
Beneficiary FI Address [1-3]
Beneficiary financial institution address
Intermediary FI Identifier
Identifier type for intermediary financial institution
Intermediary FI Name
Intermediary financial institution name
Intermediary FI Address [1-3]
Intermediary financial institution address
Beneficiary Reference
Beneficiary reference code
Originator to Beneficiary Line [1-4]
Originator to beneficiary information
4
Click Originate Wire
The payment details display in the Wire Payment Information screen.
Originate a drawdown request
In the Wires module, the Originate Wire tab allows you to originate a wire payment. An outbound wire drawdown request, is also known as a reverse wire, involves requesting someone to send funds back to you, as the requester.
1
Click the Wires tab.
2
Click Originate Wire to open the Originate Wire payment screen.

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In the Originate Wire screen, enter the information into the fields:
Field
Description
Business Function Code
Business function code (Required). You must select DRC. 
Originator Account #
Originator account number. This is your account #.
Receiver Routing #
Receiver routing number. The routing number where the drawdown requst will be sent. For example, Chase or Bank America. 
Purpose
Purpose of drawdown request. 
Amount
Dollar amount of  drawdown request. 
Beneficiary Identifier
Identifier type for the beneficiary. You must select D and enter your account number as you will be receiving funds. 
Beneficiary Name
Account holder (beneficiary) name
Beneficiary Address [1-3]
Account holder (beneficiiary) address
Beneficiary FI Identifier
Identifier type for beneficiary financial institution (FI). Select F-Fed Routing number. Enter the 9-digit routing number for CR.
Beneficiary FI Name
Beneficiary financial institution name. Fill in the details of CR as we are sending the request on your behalf. 
Beneficiary FI Address [1-3]
Beneficiary financial institution address. Fill in CR's address. 
Drawdown Credit Account Number
Enter 9-digit CR routing number or 9-digit number of bank originating drawdown request. 
Drawdown Debit Account Id Code
Enter D (Demand Deposit Account).
Drawdown Debit Account Number
The account number of the party who is being sent the request (whose account will be debited)
Drawdown Debit Account Name
The name on the Drawdown Debit Account Identifier.
Drawdown Debit Address 1-3
The full address of the person who receives the request for funds.
3
Click Originate Wire.
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The payment details display in the Wire Payment information screen. 
A window displays with confirmation that your drawdown request has been created.

Column	Description
Reference ID	Reference ID of wire payment
International	Whether the payment is international
Partner	Name of partner associated with payment
Status	Wire payment status
Payment Type	Wire payment type
Function Code	Business function code of wire payment
IMAD	IMAD (Input Messaging Accountability Data) number assigned to wire payment
Source	Wire payment source
Client Identifier	Optional field used for idempotency handling.
Created	Date and time wire was created
Auth	Whether authorization is Required/Not required
Completed	Date and time wire was completed
Amount	Amount of wire payment in dollars
Product	Product associated with account
Posting	Wire payment posting status
Direction	Wire payment direction
Type Code	Business type code of wire payment
OMAD	OMAD (Output Messaging Accountability Data) number assigned to wire payment
Purpose	Wire payment purpose
Effective	Date and time of wire payment effective
Dual Auth	Dual Authorization (Required/ Not required)
Sending Institution	Sending institution information
Originator Institution	Originating institution information
Originator	Originator information
Receiving Institution	Receiving institution information
Beneficiary	Beneficiary information
Sender Reference	Reference of entity sending wire

Column	Description
EVENT	Payment event
STATUS	Expired, Failed, Pending, Success
CREATED	Time and date stamp of event creation
ATTEMPTED	Time and date stamp of event attempt

Field	Description
DATE	Note creation date
SUBJECT	Note subject
AUDIENCE	Note audience (Internal /Partner)
CREATED BY	COS user who created note
Body	Note text

Filter	Description
Ref ID	Wire payment Ref ID
Partner	Partner name
Product	Product name
Auth	Not Required, Pending, Approved, Canceled
Dual Auth	Not Required, Pending, Approved, Canceled
Direction	Payment direction (Inbound /Outbound)
Type	Wire payment type
Status	Payment status
Start	Payment date, search from that date onwards
End	Payment date, to search until that date
Min Amount	Minimum payment amount
Max Amount	Maximum payment amount
Imad	IMAD (Input Messaging Accountability Data) number
Ben. Name	Beneficiary name
Orig. Name	Originator name
Reversed	Whether the payment has been reversed
International	Whether the payment is international
Business Func	Business function
Type Code	Transaction type code
Client Identifier	Use this attribute to add your own unique identifying string to a payment call or COS record. This attribute is useful for idempotency purposes .
Blocked Reason	Reason for wire being blocked
Rejection Reason	Reason for rejection
Source	API, Partner Portal, Ops Portal

Column	Description
Ref ID	Wire payment Ref ID
Status	Wire payment status
Posting	Wire payment posting status
Partner	Partner associated with wire payment
Dir	Direction of wire payment
Type	Wire payment type
Date	Wire payment date
Originator	Name and account number of payment originator
Beneficiary	Payment beneficiary name
Receiver Fi	Receiver routing number
Code	Business function code
Type Code	Code describing transaction
Auth	Authorization required/not required
Dual Auth	Dual authorization required/not required
IMAD	IMAD number of wire payment
Amount	Amount of transaction

Field	Description
Business Function Code	Business function code (Required)
Originator Account #	Originator account number
Receiver Routing #	Receiver routing number
Purpose	Purpose of wire payment
Amount	Dollar amount of wire payment
Beneficiary Identifier	Identifier type for the beneficiary
Beneficiary Name	Beneficiary name
Beneficiary Address [1-3]	Beneficiary address
Beneficiary FI Identifier	Identifier type for beneficiary financial institution (FI)
Beneficiary FI Name	Beneficiary financial institution name
Beneficiary FI Address [1-3]	Beneficiary financial institution address
Intermediary FI Identifier	Identifier type for intermediary financial institution
Intermediary FI Name	Intermediary financial institution name
Intermediary FI Address [1-3]	Intermediary financial institution address
Beneficiary Reference	Beneficiary reference code
Originator to Beneficiary Line [1-4]	Originator to beneficiary information

Field	Description
Business Function Code	Business function code (Required). You must select DRC.
Originator Account #	Originator account number. This is your account #.
Receiver Routing #	Receiver routing number. The routing number where the drawdown requst will be sent. For example, Chase or Bank America.
Purpose	Purpose of drawdown request.
Amount	Dollar amount of drawdown request.
Beneficiary Identifier	Identifier type for the beneficiary. You must select D and enter your account number as you will be receiving funds.
Beneficiary Name	Account holder (beneficiary) name
Beneficiary Address [1-3]	Account holder (beneficiiary) address
Beneficiary FI Identifier	Identifier type for beneficiary financial institution (FI). Select F-Fed Routing number. Enter the 9-digit routing number for CR.
Beneficiary FI Name	Beneficiary financial institution name. Fill in the details of CR as we are sending the request on your behalf.
Beneficiary FI Address [1-3]	Beneficiary financial institution address. Fill in CR's address.
Drawdown Credit Account Number	Enter 9-digit CR routing number or 9-digit number of bank originating drawdown request.
Drawdown Debit Account Id Code	Enter D (Demand Deposit Account).
Drawdown Debit Account Number	The account number of the party who is being sent the request (whose account will be debited)
Drawdown Debit Account Name	The name on the Drawdown Debit Account Identifier.
Drawdown Debit Address 1-3	The full address of the person who receives the request for funds.

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Updated 15 Oct 2024

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