---
title: XML batch payments
slug: concepts/payments/xml-batch-payments
description: Cross River’s ISO20022 XML batch lets you send payments in one file, track status via PSRs, and use rails like ACH, Fedwire, RTP/FedNow.
docTags: 
createdAt: 2024-08-09T10:28:30.583Z
---

## Cross River XML batch payments solution

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

The system:

1. Processes input files that you have supplied.
2. Records financial movements.
3. Sends Payment Status Reports (PSRs) as output files to update you about payment processing, rejections, and returns. 

The input files must conform to the ISO 20022 PAIN.001.001.03 and PAIN.008.001.02 standards, and the PSRs conform to the ISO 20022 PAIN002.001.03 standard.

## What we offer

Cross River supports these payment methods (rails):

- [Book transfer](docId\:w-rcA6_BDqLvE_XYSrDYy) 
- [ACH CCD/PPD](docId\:eVGH2ENEczhwSv1kfeohf) 
- [Fedwire](docId\:J9vKg2vbjR_XN-awf0lN8) 
- [ACH direct debit](docId\:Ekk2qYL1RUXrw-Nhfu3Fy) 
- [RTP/FedNow](docId:251cK85n4Uc8eBV44PGSh) 

The rail that you use for payment processing depend on your agreement with Cross River. The client support team sets up the rails during your onboarding process.

You will learn how to create the files correctly and how to send them to Cross River. We've included [examples](docId\:MeXfr73i11kMnKc7pVFL1) of input files and PSRs, together with explanations of their blocks and elements. We've also included [return statuses and error codes](docId:9kCGr2dDmGcB9FRvsZ0RH) so you can understand what's happening with your files.

:::hint{type="info"}
You can find detailed information about the ISO 20022 message definitions on the [ISO site](https://www.iso20022.org/iso-20022-message-definitions).
:::

You can reach out to [support](mailto\:unicorn.support@crossriver.com) with any questions.

Acknowledgment files containing initial processing information are normally available within minutes. After that, Cross River checks for updates based on rail type.

## Find out more

- [Payment methods](docId\:E3TSUZoc68EIlvFkaI75t) 
- [File transfer](docId:6-zq8c8-CWNZG8BXLhILx) 
- [Requirements per rail](docId\:jb3Gaaluj-4sHWjTWOiZm) 
- [Prepare input XML file](docId\:MeXfr73i11kMnKc7pVFL1) 
- [Output files](docId\:Dh2KWo029OFX91GzsvUsi) 
- [Validation](docId\:SBsu0K2FAGMWeL_hFCSN8)