---
title: Payments
slug: concepts/payments
description: Payment solutions for domestic and international transactions, including instant payments, card payments, international payments, ACH transfers, Wires, XML batch and checks.
docTags: 
createdAt: 2025-04-10T11:34:50.695Z
---

Cross River delivers a range of payment solutions to make transactions smoother. Our services cover both local and international payments, using different payment methods.&#x20;

# Instant payments

Cross River provides a domestic Instant Payments product. Individuals and businesses can transfer funds quickly between US-based financial institutions. These transactions clear and settle within seconds. Cross River works with two instant payment networks: RTP® via The Clearing House (TCH) and FedNow®. We provide network interoperability between the two, ensuring your instant payment is sent in the best way at all times.

[Learn more](docId\:U_TnYPQ3-5yepG7jKD5FK)&#x20;

# Card payments

P2C is the Cross River pay-to-card and pay-from-card solution for disbursement and collection of funds. P2C allows merchants to transfer money to and from debit card accounts. These transfers happen through participating card networks.&#x20;

[Learn more](docId\:y_2uVmzGOChmtEPEO4IPy)&#x20;

# International payments (cross border)

Cross River facilitates cross-border money movement using SWIFT and local in-country rails. Correspondent banking networks play a crucial role in these bank-to-bank settlements.

[Learn more](docId:3EvRgfMqC_15mbLV_j3cp)&#x20;

# ACH (Automated Clearing House)

ACH transactions involve moving money electronically between US bank accounts. People use ACH for direct deposits, bill payments, and recurring transactions. Using ACH through Cross River ensures compliance with ACH rules and regulations.

[Learn more](docId:3tt7a4nY2fyVMzEEmFwUt)&#x20;

# Wires

Wire transfers are expedited electronic fund transfers between banks. They’re commonly used for high-value transactions, international payments, and urgent transfers.

[Learn more](docId\:hFNmQa22W2BNqAJijpAVT)&#x20;

# XML batch payments

Cross River's ISO20022 payment channel provides you with a way to send all your instructions in one single file format (XML).

[Learn more](docId\:oCMjfq2lwEVZ9k2jZ7Kmi)&#x20;

# Checks

Check writing and check deposits are features of the Cross River Account product. Together, these features allow customers to move money using a physical instrument known as a check.

[Learn more](docId:8MxnUqiHsMPE6vHWQex5u)&#x20;