---
title: Instant payments
slug: concepts/payments/instant-payments
description: Cross River Instant Payments lets you send funds 24/7 over RTP®, FedNow®, and CRNow with network selection, queuing, and fraud reporting for seamless real-time transfers.
docTags: 
createdAt: 2024-11-21T14:41:06.635Z
---

:::CtaButton{label="Instant payments APIs" docId="dZy2COChKwicpi_0rKK2P" openInNewTab="true"}

:::

## Cross River instant payments solution

Unlock the future of real-time payments by using Cross River’s Instant Payments solution. You can instantly clear payments, 24/7/365 to ensure continuous availability. Cross River facilitates the transfer of funds in real time over RTP®, FedNow® and CRNow (Cross River Partner network transfers) networks. 

## What Cross River offers

- Payment networks:
  - [RTP®](docId\:mPks1l2ft2PP32yFuDJYW)**: **High limits up to $10,000,000.
  - [FedNow®](docId\:mPks1l2ft2PP32yFuDJYW)**: **Broad reach, limits up to $10,000,000.
  - [CRNow](docId\:mPks1l2ft2PP32yFuDJYW)**: **Cross River Partner network transfers, no inherent limits.
- [Network interoperability](docId:7HeOa4-BINjvx0kSdLKD3)**:** We select the payment network for you based on which networks can reach the receiving institution and the preference you configure for your product, or you can name the network per payment.
- **Send limits: **Each payment network has its own [transaction](docId\:V1rPfh_C3dlDY4cchtAsS) send limits per transaction. Cross River sets a [daily](docId\:V1rPfh_C3dlDY4cchtAsS) send limits for Instant Payments based on previous Instant Payments usage.  
- **Payment queuing: **Instead of a payment being rejected if the participating bank is unavailable, Cross River [queues](docId:_xZIWgk5I5ZYLLWc8va6B) the payment until the receiving institution is available. Cross River then automatically originate the payment. Queuing is available for both RTP and FedNow.
- **Fraud reporting: **Each instant payment network has specific requirements for reporting suspected fraud, with its own criteria for what qualifies as reportable fraud. Find out more from our [fraud reporting tutorial](docId\:Sk9mAQG4fAs9OEByqgMWP). 

## Find out more

- [Outbound and inbound](docId\:ady9aKdnxL8FHhlRo5o1D) 
- [Payment types](docId\:oJcyKDvHGpjflu3152-iM) 
- [Payment networks](docId\:mPks1l2ft2PP32yFuDJYW) 

## Tutorials

See our tutorials to learn how to:

| Through APIs                                            | Through COS Explorer                                     |
| ------------------------------------------------------- | -------------------------------------------------------- |
| [Send an instant payment](docId:5yRR2S4_i1B34CdzDxR68)  | [Send an Instant Payment](docId\:wnhWHZf600ZbitzAtNgC0)  |
| [Get service info](docId\:OuBLrmwxsKT1EpHZtEo0i)        | [Find an Instant Payment](docId\:lVTkOcnQGjh3jvGdlTl1R)  |
| [Set payment expiration](docId\:nY3A7M8Av7sp_fbHOuBLm)  |                                                          |
| [Fraud reporting](docId\:Sk9mAQG4fAs9OEByqgMWP)         |                                                          |