---
title: Send an Instant Payment
slug: tutorials/cos-explorer/instant-payments/send-an-instant-payment
description: Learn how to send Instant Payments using COS Explorer with this comprehensive guide on prerequisites, steps, and required information for a smooth transaction.
docTags: 
createdAt: 2025-08-27T07:46:33.646Z
---

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## What you will learn

✅ <font color="#808080">H</font>ow to send an Instant Payment in COS Explorer

You can also use the [Payment request](docId\:sXhwvqNXmi_6A8hyNyUPF) endpoint to perform this task via API.

:::hint{type="info"}
Learn about [Instant Payments](docId\:U_TnYPQ3-5yepG7jKD5FK).
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## Before you begin

Make sure you have:

- [COS Explorer access](docId\:JwSEUG3ELF_gXLhy6T9KI)&#x20;
- Payment amount in US dollars

## Process overview

To send an Instant Payment in COS Explorer, enter the debtor's bank account number and the required information for the account receiving the funds (creditor).

## To send an instant payment

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A red asterisk (\*) indicates a required field.
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Go to **Originate Payment&#x20;**&#x75;nder **RTP** to send an Instant Payment.
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You can choose the [payment network](docId\:mPks1l2ft2PP32yFuDJYW) platform for transferring the funds, or you can let the Cross River system [decide for you](docId:7HeOa4-BINjvx0kSdLKD3) based on your organization configuration.
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Enter the **Debtor Account** number.
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Enter the amount.
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Enter the creditor details:

| Required Field | Description                                                                               |
| -------------- | ----------------------------------------------------------------------------------------- |
| Routing #      | Routing number of the receiver's bank. For example, Chase's routing number is 021000021.  |
| Account #      | Account number for the entity receiving the funds                                         |
| Name           | Name of the entity receiving the funds                                                    |
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Enter Ultimate Debtor or Creditor information only if multiple parties are involved on either the sender (debtor) or receiver (creditor) side. See [Ultimate debtor and creditor roles](docId\:oJcyKDvHGpjflu3152-iM).&#x20;
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Click **Create Payment** to initiate the payment.
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The **Payment Details** screen opens.
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