---
title: Payment methods
slug: concepts/payments/xml-batch-payments/payment-methods
description: Cross River’s ISO 20022 XML batch supports ACH push/pull, Fedwire, book transfers, and RTP/FedNow, with automated status checks for efficiency and accuracy.
docTags: 
createdAt: 2024-08-09T11:32:22.341Z
---

## XML batch payments methods

XML batch payments (ISO 20022) promotes efficiency, accuracy, and interoperability across payment networks, making it essential for anyone involved in financial transactions.

## Direct debit (ACH)

Cross River's [ISO 20022 pain.008](docId:3gf3aPgshkfomTxcSFlzN) implementation supports creation of direct debit instructions using the US ACH system. 

Cross River checks for returns and NOCs once on the effective date provided in the response, then once a day for an additional 3 business days, and then once a week for up to 6 months.

Corss River checks for `Processed`, `Rejected` and `OnHold` statuses once on the effective date provided in the response, and then once a day for an additional three business days.

The checks happen at 20:00 EST for ACH.

:::hint{type="info"}
Effective date is the day the payment came in, or the next business day if the payment came in after the cutoff time set in COS.
:::

## ACH push (CCD/PPD)

Cross River's [ISO 20022 pain.001](docId:6k_6gEXlRhLar0cNYQToN) implementation enables you to initiate electronic payments (such as payroll or vendor payments) through the ACH network.

## Fedwire

Cross River's [ISO 20022 pain.001](docId:6k_6gEXlRhLar0cNYQToN) implementation supports Fedwire payments.

Cross River checks for status updates at 18:00 EST on the business day that the payment was supposed to be processed, and also at 18:00 EST on the business day after that.

## Book transfer

Cross River's [ISO 20022 pain.001](docId:6k_6gEXlRhLar0cNYQToN) implementation allows you to send book transfers to any bank account 

Cross River checks for status updates every 30 minutes.

## RTP (real-time payments)

Cross River's [ISO 20022 pain.001](docId:6k_6gEXlRhLar0cNYQToN) implementation supports real-time fund transfers from The Clearing House (RTP) and from the Fed (FedNow).