--- title: Send an instant payment slug: tutorials/api/instant-payments/send-an-instant-payment description: Originate an instant payment credit transfer from your master account and simulate a rejected credit transfer. docTags: createdAt: 2024-08-09T14:02:24.022Z --- ## What you will learn ✅ How to originate an instant payment credit transfer from your master account ✅ How to simulate a rejected credit transfer :::hint{type="info"} If you are new to instant payments, check out the [instant payments](docId\:U_TnYPQ3-5yepG7jKD5FK) overview. This tutorial assumes familiarity with APIs. For more information, visit [API basics](docId\:pUTTCwQ5SKLzxYzIn5D1b). ::: This tutorial uses this API endpoint: | [POST /rtp/v1/payments](docId:727H0GkQerqHAFKEy67Uu) | Transfers funds between banks in real time via an Instant Payments network | | ------------------------------------------------------ | -------------------------------------------------------------------------- | ## Before you begin Make sure you have: - [API credentials](docId\:wmg-1Fqwq3bj-D3c3HFfs) - Your partner ID - Your master account number - [Registered](docId\:BN5XtgkJogBe-CtwomCbS) the following webhook events: | `Rtp.Payment.Sent` | Confirms that payment successfully sent to the receiving institution; funds available in the recipient’s account | | ---------------------- | ---------------------------------------------------------------------------------------------------------------- | | `Rtp.Payment.Received` | Confirms payment received and posted to an account the Cross River system | | `Rtp.Payment.Rejected` | Payment rejected by the receiving institution or Instant Payments network. | You should be familiar with these terms: | Financial institution (FI) | The bank or credit union facilitating the transfer of funds between parties | | -------------------------- | --------------------------------------------------------------------------------- | | Debtor | The account initiating and sending a payment through the Instant Payments network | | Creditor | The account receiving funds through the Instant Payments network | ## Originate a credit transfer Instant payment credit transfers allow funds to move from your account to the recipient's account in real time. Transfers can originate from master accounts or subledgers. - The **debtor** sends the payment, and the **creditor** receives it. - Cross River supports three network platforms: - RTP® via The Clearing House (TCH) - FedNow® - CRNow In this tutorial, you are the debtor. You will send an outbound credit transfer of $175 from your master account to C. Brown using a specified network platform. **Possible Outcomes:** - **Accepted Transfer:** Funds are posted to the recipient’s account. - **Status:** **ACTC** (Accepted) - **Rejected Transfer:** Payment is rejected by the creditor FI or the network. No funds are transferred. - **Status:** **RJCT** (Rejected) - **No Response:** The transfer times out, resulting in rejection. - **Status:** **RJCT** (Rejected) - **Accepted Without Posting:** The payment is accepted but funds are not immediately posted. The creditor FI can accept or reject the transfer within 24 hours. - **Status:** **ACWP** (Accepted Without Posting) :::hint{type="info"} Cross River cannot confirm how the receiving FI displays payment details. Contact the recipient FI directly for specifics on how the payment will appear. ::: ### To initiate a credit transfer :::::WorkflowBlock ::::WorkflowBlockItem Call `POST /rtp/v1/payments`. Some attributes are required for the call. Refer to the full list of [attributes](docId:727H0GkQerqHAFKEy67Uu). :::hint{type="warning"} **IMPORTANT** We strongly recommend that you include an [idempotency key](docId\:xQC2lRsG0xVv_9NMkqxKk) in the request header to prevent duplicate payments in case of a failure. ::: :::hint{type="info"} Amounts in API calls and responses are written without decimal points (e.g., $175 is written as 17500). ::: :::CodeblockTabs POST /rtp/v1/payments request ```curl POST /Rtp/v1/payments { "accountNumber": "2955057589", "amount": 10000, "creditor": { "routingNumber": "011000138", "accountNumber": "456789000", "name": "Richard Robert", "addressStreetName": "Speedway Blvd", "addressBuildingNumber": "3366", "addressCity": "Talladega", "addressState": "AL", "addressPostalCode": "35096", "addressCountry": "US" }, "purpose": "Sponsor donation", "clientIdentifier": "3e4ac46c-fa9e-4654-80b8-83f971622dfd" } ``` ::: :::: ::::WorkflowBlockItem A successful API call returns a JSON response containing the details of the originated credit transfer. :::CodeblockTabs POST /rtp/v1/payments response ```json { "id": "8177d9d1-e706-49f3-b0a3-b300009ffcf3", "originalPaymentId": "8177d9d1-e706-49f3-b0a3-b300009ffcf3", "referenceId": "R169O74976262", "accountNumber": "2955057589", "clientIdentifier": "3e4ac46c-fa9e-4654-80b8-83f971622dfd", "amount": 1500, "direction": "Outbound", "status": "Created", "paymentType": "CreditTransfer", "source": "Api", "transactionAccountContext": "NotSubmitted", "debtor": { "routingNumber": "021214891", "accountNumber": "2955057589", "name": "Dim Mak", "addressStreetName": "400 Kelby St", "addressCity": "Fort Lee", "addressState": "NJ", "addressPostalCode": "07024", "addressCountry": "US" }, "creditor": { "routingNumber": "011000138", "accountNumber": "456789000", "name": "Richard Robert", "addressStreetName": "Speedway Blvd", "addressBuildingNumber": "3366", "addressCity": "Talladega", "addressState": "AL", "addressPostalCode": "35096", "addressCountry": "US" }, "network": { "businessMessageId": "B20250618021214273T1BUBT97200579713", "messageId": "M20250618021214273T1BZZD70574502544", "createdAt": "2025-06-18T05:42:29.9268876-04:00", "numberOfTransactions": 1, "interbankSettlementAmount": 1500, "currency": "USD", "interbankSettlementDate": "2025-06-18", "settlementMethod": "CLRG", "clearingSystemCode": "TCH", "instructionId": "20250618021214273T1B7OD838696205667", "endToEndId": "eb80f3de5bf84751bdf7b300009ffcf3", "transactionId": "20250618021214273T1B7OD838696205667", "fromParticipantId": "021214273T1", "toParticipantId": "990000001S1", "instructingRoutingNumber": "021214891", "instructedRoutingNumber": "011000138", "headerCreationDate": "2025-06-18T05:42:29.9268876-04:00", "messageCreationDateTime": "2025-06-18T05:42:29.9268876-04:00" }, "serviceLevelCode": "SDVA", "localInstrumentProprietary": "STANDARD", "categoryPurpose": "CONSUMER", "currency": "USD", "chargeBearer": "SLEV", "purpose": "Sponsor donation", "wasRefunded": false, "wasPaid": false, "createdAt": "2025-06-18T05:42:29.9268876-04:00", "productId": "29f3022a-ccfc-42eb-aa8f-b29500f13d00", "partnerId": "1101a33d-fbd9-4b9e-b169-b29500f12407", "lastModifiedAt": "2025-06-18T05:42:29.9268876-04:00", "sendAttemptCount": 0, "discounts": [], "awaitingResponse": false, "limitsEligibleOn": "2025-06-18T05:42:29.9268876-04:00", "networkPlatform": "TCH" } ``` ::: The `status`attribute in the response indicates that your payment was created. It does not indicate that your payment was successful. :::: ::::: ### Payment status webhook events When a credit transfer (**pacs.008**) is sent to the instant payments network, the `Rtp.Payment.Sent` webhook fires. The event body includes the **payment ID** in the details section (e.g., **7b5f4bfb-8595-452b-914e-ad9400f7b8e3**). :::CodeblockTabs Sample Rtp.Payment.Sent event ```json { "id": "7af80bc3-4f1c-4842-b60e-ad9400fb59db", "eventName": "Rtp.Payment.Sent", "status": "Pending", "partnerId": "bd7a716f-6349-43ef-89cd-aa2200f15977", "createdAt": "2021-08-30T11:15:08.623-04:00", "resources": [ "rtp/v1/payments/7b5f4bfb-8595-452b-914e-ad9400f7b8e3" ], "details": [ { "paymentId": "7b5f4bfb-8595-452b-914e-ad9400f7b8e3", "paymentType": "CreditTransfer", "resultCode": "OK", "resultAdditionalInfo": null, "coreTransactionId": "3e04e9b9-e80f-4f5f-9a0b-b04a011d23df", "memoPostId": "4820a916-f062-49ad-9519-b04a011d2372", "accountNumber": "2553179843", "postingCode": "OK", "rtpTransactionStatus": "ACTC", "purpose": null, "awaitingResponse": "False", "referencedPaymentId": null } ] } ``` ::: ## Simulate rejected credit transfers You can simulate a rejected response from the creditor: :::::WorkflowBlock ::::WorkflowBlockItem Call `POST /rtp/v1/payments` (same as initiating a credit transfer), but add **`reject:`** before the creditor’s `name` (see line 9 in the request example). :::CodeblockTabs Example request: rejected credit transfer ```curl POST /v1/payments { "accountNumber": "2553179843", "amount": 15000, "creditor": { "routingNumber": "011000138", "accountNumber": "456789000", "name": "reject:Cleveland Brown", "addressStreetName": "Main St", "addressBuildingNumber": "34", "addressCity": "New York", "addressState": "NY", "addressPostalCode": "00093", "addressCountry": "US" }, "purpose": "gift money" } ``` ::: :::: ::::WorkflowBlockItem The response example shows a `status` of **Rejected** on line 13. :::CodeblockTabs Example response: rejected credit transfer ```json { "id": "7b5f4bfb-8595-452b-914e-ad9400f7b8e3", "originalPaymentId": "7b5f4bfb-8595-452b-914e-ad9400f7b8e3", "referenceId": "R242O0354Y055", "accountNumber": "2553179843", "amount": 15000, "operatorCoreTransactionId": "2da7c99c-5804-4757-98c1-ad9400fa6c2c", "memoPostId": "7b5f4bfb-8595-452b-914e-ad9400f7b8e3", "memoPostRemovedAt": "2021-08-30T11:14:44.973-04:00", "direction": "Outbound", "status": "Rejected", "paymentType": "CreditTransfer", "source": "Api", "transactionAccountContext": "Rejected", "rtpTransactionStatus": "RJCT", "debtor": { "routingNumber": "021214891", "accountNumber": "2553179843", "name": "P Griffin", "addressStreetName": "Main Street", "addressBuildingNumber": "31", "addressCity": "New York", "addressState": "NY", "addressPostalCode": "00093", "addressCountry": "US" }, "creditor": { "routingNumber": "011000138", "accountNumber": "456789000", "name": "C Brown", "addressStreetName": "Main St", "addressBuildingNumber": "34", "addressCity": "New York", "addressState": "NY", "addressPostalCode": "00093", "addressCountry": "US" }, "network": { "messageDefId": "pacs.008.001.08", "businessMessageId": "B20210830021214273T1BQPZ97287285414", "messageId": "M20210830021214273T1BEML46024873029", "createdAt": "2021-08-30T11:01:55.74-04:00", "numberOfTransactions": 1, "interbankSettlementAmount": 15000, "currency": "USD", "interbankSettlementDate": "2021-08-30", "settlementMethod": "CLRG", "clearingSystemCode": "TCH", "instructionId": "20210830021214273T1B4S0534677157734", "endToEndId": "9a2638dc8cbe48f18d8cad9400f7b8e3", "transactionId": "20210830021214273T1B4S0534677157734", "clearingSystemRef": "001", "fromParticipantId": "021214273T1", "toParticipantId": "990000001S1", "instructingRoutingNumber": "021214891", "instructedRoutingNumber": "011000138", "headerCreationDate": "2021-08-30T11:11:45.373-04:00", "messageCreationDateTime": "2021-08-30T11:01:55.74-04:00" }, "confirmedStatus": { "messageStatusReportId": "2da7c99c-5804-4757-98c1-ad9400fa6c2c", "acceptedDateTime": "2021-08-30T11:11:45.4-04:00", "transactionStatus": "ACTC" }, "serviceLevelCode": "SDVA", "localInstrumentProprietary": "STANDARD", "categoryPurpose": "CONSUMER", "currency": "USD", "chargeBearer": "SLEV", "purpose": "gift money", "wasRefunded": false, "wasPaid": false, "createdAt": "2021-08-30T11:01:55.74-04:00", "completedAt": "2021-08-30T11:14:45.05-04:00", "processingStartedAt": "2021-08-30T11:11:45.247-04:00", "postingCode": "OK", "productId": "13362d99-f04e-455b-9363-abc10151c27c", "partnerId": "bd7a716f-6349-43ef-89cd-aa2200f15977", "lastModifiedAt": "2021-08-30T11:14:45.0505825-04:00", "sentAt": "2021-08-30T11:11:45.3733333-04:00", "sendAttemptCount": 1, "result": { "code": "OK" }, "discounts": [], "awaitingResponse": false } ``` ::: :::: ::::WorkflowBlockItem The `Rtp.Payment.Rejected` event is triggered when a credit transfer is rejected. - The `details` object in the event contains the **payment ID** from the response body (e.g., **7b5f4bfb-8595-452b-914e-ad9400f7b8e3**). - The `resultCode` in the details object provides the rejection reason. - Example: **AC06** – Account is blocked. :::CodeblockTabs Sample Rtp.Payment.Rejected event ```json { "id": "06afb069-dc90-48ea-b642-b04a0126580f", "eventName": "Rtp.Payment.Rejected", "status": "Pending", "partnerId": "1e5d3f04-ae24-4af6-9e30-aecf012b99dd", "createdAt": "2023-07-25T13:51:40.417-04:00", "resources": [ "rtp/v1/payments/7b5f4bfb-8595-452b-914e-ad9400f7b8e3" ], "details": [ { "paymentId": "7b5f4bfb-8595-452b-914e-ad9400f7b8e3", "paymentType": "CreditTransfer", "resultCode": "AC06", "resultAdditionalInfo": null, "postingCode": "RES", "rtpTransactionStatus": null, "purpose": null, "referencedPaymentId": null } ] } ``` ::: :::: :::::