https://docs.crossriver.com

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  "llmsTxtPreview": "# docs.crossriver.com\n\n> Explore Cross River docs for our quick guides, APIs and tutorials. Get started fast and make the most of our banking platform.\n\n## Documentation\n- [Welcome](https://docs.crossriver.com/)\n- [Quickstart](https://docs.crossriver.com/get-started/quickstart)\n- [Connect via MCP server](https://docs.crossriver.com/get-started/quickstart/connect-with-mcp)\n- [Card payments](https://docs.crossriver.com/concepts/payments/cos-card-payments)\n- [Accounts in COS Explorer](https://docs.crossriver.com/tutorials/cos-explorer/accounts)\n- [Payments APIs](https://docs.crossriver.com/apis/payments)\n- [Webhooks intro](https://docs.crossriver.com/apis/webhooks-intro)\n- [Postman collection](https://docs.crossriver.com/get-started/quickstart/postman-collection)\n- [Glossary](https://docs.crossriver.com/ops-and-admin/glossary)\n- [Disclaimer](https://docs.crossriver.com/ops-and-admin/disclaimer)\n\n## Main\n- [Welcome - Get started](https://docs.crossriver.com): Explore Cross River docs for our quick guides, APIs and tutorials. Get started fast and make the most of our banking pl…\n- [Glossary](https://docs.crossriver.com/ops-and-admin/glossary)\n\n## Legal\n- [Disclaimer](https://docs.crossriver.com/ops-and-admin/disclaimer)\n\n",
  "llmsTxtExisting": "# docs.crossriver.com\n\n## Get started\n\n- [Sandbox](https://docs.crossriver.com/get-started/quickstart/sandbox.md): Explore the Cross River Sandbox, a secure environment for developers to test integrations, simulate workflows, and ensure seamless transitions to production without risk.\n- [Sandbox and production differences](https://docs.crossriver.com/get-started/quickstart/sandbox-and-production-differences.md): Discover the key differences between the Sandbox and Production environments.\n- [Quickstart](https://docs.crossriver.com/get-started/quickstart.md): Get started with Cross River APIs—get credentials, use tokens and webhooks, test in our sandbox or using our public Postman collection.\n- [Welcome](https://docs.crossriver.com/.md): Explore Cross River docs for our quick guides, APIs and tutorials. Get started fast and make the most of our banking platform.\n- [Get access token](https://docs.crossriver.com/get-started/quickstart/get-access-token.md): Cross River uses OAuth 2.0 for secure API access. Get your credentials, request a token, and use it in your API calls with Postman, cURL, or COS Explorer.\n- [Webhooks](https://docs.crossriver.com/get-started/quickstart/webhooks.md): Webhooks push real-time updates to your system, reducing latency and polling. Register via API to get instant notifications on account or transaction changes.\n- [Use access token](https://docs.crossriver.com/get-started/quickstart/use-access-token.md): Learn how to obtain and securely use an API access token, including steps for acquiring credentials, making requests, and examples for cURL and Postman.\n- [Postman collection](https://docs.crossriver.com/get-started/quickstart/postman-collection.md): Use our Postman collection for our APIs, featuring setup instructions, authentication details, and code snippets for seamless integration and testing.\n- [Connect to Cross River docs via MCP](https://docs.crossriver.com/get-started/quickstart/connect-with-mcp.md): The document explains that an AI assistant can access and interpret your API docs via an MCP server, enabling fast, accurate, read‑only answers to API questions.\n- [Get API credentials](https://docs.crossriver.com/get-started/quickstart/get-api-credentials.md): Register for Cross River APIs, obtain your access token, and ensure your IP is allowlisted to access the sandbox environment successfully.\n- [Sandbox environments](https://docs.crossriver.com/get-started/quickstart/sandbox-environments.md): Use our sandbox to safely test APIs for customer management, accounts, cards, payments, lending, and webhooks, ensuring a smooth move to production.\n\n## APIs (/apis)\n\n- [Registered](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/registered.md): GET webhooks/v1/registrations returns all webhook registrations with status, filtering via partnerId or callback URL.\n- [Lending hooks](https://docs.crossriver.com/apis/webhooks/lending-hooks.md)\n- [HTTP status codes](https://docs.crossriver.com/apis/api-basics/http-status-codes.md): Discover HTTP status codes with meanings and recovery actions perfect for troubleshooting API-related errors efficiently.\n- [Add address](https://docs.crossriver.com/apis/customer-management/apis/add-customer-address.md): Add a customer's address via POST /core/v1/cm/customers/\\{customerid}/addresses, specifying customer ID, address type, classification, and primary status.\n- [Add identification](https://docs.crossriver.com/apis/customer-management/apis/add-id-details.md): Update a customer record with identification details using POST /core/v1/cm/customers/\\{customerid}/identifications, specifying Customer ID , ID type, primary status and issuance info.\n- [Close card](https://docs.crossriver.com/apis/cards/apis/close-card.md): Permanently close a card using POST /cardmanagement/v1/cards/\\{id}/close, making it unusable for transactions.\n- [Replace card by ID](https://docs.crossriver.com/apis/cards/apis/replace-a-card-by-id.md): Replace a card using POST /cardmanagement/v1/cards/\\{id}/replace for lost, stolen, or damaged cards.\n- [Update due diligence info](https://docs.crossriver.com/apis/customer-management/apis/update-due-diligence.md): Update due diligence information for a Personal customer\n- [Webhook events: Accounts](https://docs.crossriver.com/apis/accounts/webhook-events-accounts.md): Receive real-time notifications for account events via webhooks, including account creation and updates.\n- [Change subledger title](https://docs.crossriver.com/apis/accounts/subledgers-apis/change-subledger-title.md): Change the title on a subledger using PUT/core/v1/subaccounts/\\{accountNumber}/title\n- [Change subledger customer](https://docs.crossriver.com/apis/accounts/subledgers-apis/change-subledger-customer.md): Change the customer on a subledger using PUT/core/v1/subaccounts/\\{accountNumber}/customer\n- [Static IPs](https://docs.crossriver.com/apis/api-basics/static-ips.md): Access Cross River's products by allowlisting your static public IP address during onboarding.\n- [Resend event by ID](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/resend-event-by-id.md): POST webhooks/v1/events/\\{id}/resend manually retriggers a webhook event to be sent to a partner's callback URL.\n- [Update by ID](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/update-by-id.md): PUT webhooks/v1/registrations/\\{id} lets you update callback URL, eventName, and other registration settings.\n- [Webhooks FAQ](https://docs.crossriver.com/apis/faq/webhooks-cos.md): Discover essential insights in our comprehensive FAQ document on webhooks, covering event types, delivery statuses, resource limits, and IP addresses for sandbox and production environments.\n- [Ping by ID](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/ping-by-id.md): PUT webhooks/v1/registrations/\\{id}/ping sends a test webhook (without resource payload) to your callback URL to verify setup.\n- [Webhook management: COS](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos.md): You can: register, list, view, verify, restart, update, ping or delete webhook registrations via API.\n- [COS webhooks](https://docs.crossriver.com/apis/webhooks/cos-webhooks.md): Learn how to effectively register and manage Cross River webhooks for products like Customer Management and Instant Payments, ensuring secure and reliable event delivery.\n- [Restart by ID](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/restart-by-id.md): PUT webhooks/v1/registrations/\\{id}/restart restarts a suspended or errored webhook registration.\n- [Update name](https://docs.crossriver.com/apis/customer-management/apis/update-customer-name.md): Update a customer's name via PUT /core/v1/cm/customers/\\{customerid}/name, specifying first and last names.\n- [Request and response codes: customer management](https://docs.crossriver.com/apis/customer-management/request-and-response-codes.md): Understand the meaning of various HTTP status codes and their usage in Cross River's customer management APIs.\n- [Deactivate customer](https://docs.crossriver.com/apis/customer-management/apis/deactivate-customer.md): Deactivate a customer recorder after it has been removed from all accounts\n- [Customer management](https://docs.crossriver.com/apis/customer-management.md): Manage customer records with Cross River's API: create, update, and retrieve customer info, addresses, phones, emails, IDs, and beneficial owners.\n- [Get statement doc info](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/get-statement-doc-info.md): Access a specific account statement PDF using GET /core/v1/dda/accounts/\\{accountnumber}/statements/\\{id}, providing document details.\n- [Account details](https://docs.crossriver.com/apis/accounts/deposit-sweeps-apis/get-account-details.md): Retrieve account details enabled for Sweeps via GET /SweepsIntrafi/v1/accounts/\\{accountNumber}, including balances and status.\n- [Get subledger info](https://docs.crossriver.com/apis/accounts/subledgers-apis/get-information-on-a-specific-subledger.md): Retrieve details of a specific subledger using GET /core/v1/dda/subaccounts/\\{accountnumber}, including balance and status.\n- [Request and response codes: Accounts](https://docs.crossriver.com/apis/accounts/request-and-response-codes-accounts.md): Understand HTTP status codes used in Cross River's account APIs, including transaction codes account status, account types and closure reason.\n- [CD penalty fee](https://docs.crossriver.com/apis/accounts/time-deposit-apis/get-cd-penalty-fee-value.md): Retrieve the penalty fee for early withdrawal from a CD via GET /core/v1/dda/accounts/\\{accountnumber}/time-deposit/penalty-fee.\n- [Get statement PDF](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/get-statement-pdf.md): Get a specific account statement PDF using GET Endpoint: /v1/dda/accounts/\\{accountNumber}/statements/\\{statementId}/documents/\\{documentId} by providing both statement and document details.\n- [Tax document list](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/get-tax-documents.md): List available tax documents for an account via GET /core/v1/dda/accounts/\\{accountnumber}/tax-documents, including document IDs.\n- [Identify bank](https://docs.crossriver.com/apis/accounts/deposit-sweeps-apis/get-a-bank-name.md): Retrieve a bank's name via GET /SweepsIntrafi/v1/Banks/\\{bankNumber} using the bankNumber retrieved previously.\n- [Early funds withdrawal](https://docs.crossriver.com/apis/accounts/time-deposit-apis/withdraw-funds-early-from-a-cd.md): Initiate early withdrawal from a CD via POST /core/v1/dda/accounts/\\{accountnumber}/time-deposit/early-withdraw, with optional penalty fee waiver.\n- [Exclude bank/account](https://docs.crossriver.com/apis/accounts/deposit-sweeps-apis/exclude-a-bank-or-account.md): Exclude a bank or account from deposit sweeps via POST /SweepsIntrafi/v1/accounts/\\{accountNumber}, specifying bank or account details.\n- [Accounts](https://docs.crossriver.com/apis/accounts.md): Manage deposit accounts, subledgers, and time deposits; supports opening, retrieving, and managing accounts and related documents.\n- [Cards](https://docs.crossriver.com/apis/cards.md): Manage debit cards (virtual or physical) via Cross River Cards API for creation, activation, and transaction management.\n- [Transaction details by ID](https://docs.crossriver.com/apis/cards/apis/get-transaction-details-by-id.md): Fetch a card transaction by GET /cardmanagement/v1/transactions/\\{id} for amount, merchant, and date.\n- [Retrieve wallet tokens](https://docs.crossriver.com/apis/cards/apis/wallet-tokenization/retrieve-wallet-tokens.md): The page outlines the webhooks required to track token events and explains how to use the GET /cardmanagement/v1/cards/\\{cardId}/tokens endpoint.\n- [Simulate card incremental](https://docs.crossriver.com/apis/cards/apis/simulate-card-incremental.md): Create an incremental transaction reflected in the deposit account activity with POST /cardmanagement/v1/simulate/incremental.\n- [Simulate clearing](https://docs.crossriver.com/apis/cards/apis/simulate-single-message-clearing.md): Simulate a single message clearing transaction using POST /cardmanagement/v1/simulate/singlemessageclearing.\n- [Simulate card reversal](https://docs.crossriver.com/apis/cards/apis/simulate-card-reversal.md): Reverse an existing authorization using POST /cardmanagement/v1/simulate/reversal, removing it from the deposit account activity.\n- [Simulate reversal](https://docs.crossriver.com/apis/cards/apis/simulate-single-message-reversal.md): Simulate a single message reversal transaction with POST /cardmanagement/v1/simulate/singlemessagereversal.\n- [Get card controls](https://docs.crossriver.com/apis/cards/apis/card-controls/get-card-controls.md): This endpoint retrieves spending and authorization limits for a specific card, detailing allowed or blocked usage, velocity controls, and all configured constraints via its GUID.\n- [Set card controls](https://docs.crossriver.com/apis/cards/apis/card-controls/set-card-controls.md): The page explains how to update a card’s spending and authorization rules via API, covering control types, usage limits, restrictions, and request examples.\n- [Retrieve specific wallet token](https://docs.crossriver.com/apis/cards/apis/wallet-tokenization/retrieve-specific-wallet-token.md): Learn how to retrieve a card’s digital wallet token via the Cross River GET endpoint, including required parameters, webhook setup, and essential token details.\n- [Simulate card auth](https://docs.crossriver.com/apis/cards/apis/simulate-card-authorization.md): Simulate a merchant authorization with POST /cardmanagement/v1/simulate/authorization, affecting the available balance on the deposit account.\n- [API Basics](https://docs.crossriver.com/apis/api-basics.md): Cross River's RESTful APIs, featuring allowlisting, idempotency, pagination, and versioning, ensuring robust access and streamlined data management.\n- [API versioning](https://docs.crossriver.com/apis/api-basics/api-versioning.md): All API endpoints contain a numbered version in the URL. Whenever breaking changes are made to the API, a new major version will be created.\n- [Pagination](https://docs.crossriver.com/apis/api-basics/pagination.md): Pagination enhances data accessibility by segmenting large datasets into smaller, manageable sections, complete with parameters for optimized queries and structured responses.\n- [Idempotency](https://docs.crossriver.com/apis/api-basics/idempotency.md): Idempotency in API design enhances reliability during request retries, utilizing keys to prevent duplicate transactions and ensure consistent outcomes.\n- [API structure](https://docs.crossriver.com/apis/api-basics/api-structure.md): Use Cross River's RESTful APIs using standard HTTP methods, JSON responses, and a sandbox for easy testing and development.\n- [Restrict account](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/restrict-account.md): Apply restrictions to an account via POST /core/v1/dda/accounts/\\{accountnumber}/restrictions, blocking specific transaction types or rails.\n- [Add personal customer](https://docs.crossriver.com/apis/customer-management/apis/add-personal-customer.md): Create a new personal customer record via POST /core/v1/cm/customers, specifying classification, personal info, and address.\n- [Create subledger](https://docs.crossriver.com/apis/accounts/subledgers-apis/create-a-subledger.md): Create a subledger for a master account via POST /core/v1/dda/subaccounts, specifying customer ID, title, and beneficiary details.\n- [Close subledger](https://docs.crossriver.com/apis/accounts/subledgers-apis/close-subledger.md): Delete (close) a subledger (subaccount) for a master account via DELETE /core/v1/dda/subaccounts/\\{accountNumber}, specifying the subledger account number.\n- [Change card profile](https://docs.crossriver.com/apis/cards/apis/change-card-profile.md): Access a cardholder profile via GET /cardmanagement/v1/cards/\\{id}/profile, including personal info and card preferences.\n- [Webhook events: customer management](https://docs.crossriver.com/apis/customer-management/webhook-events-customer-management.md): Receive real-time notifications for customer events like onboarding, address, phone, ID, and email updates via webhook events.\n- [Webhook events list](https://docs.crossriver.com/apis/webhooks/cos-webhooks/webhook-events-list.md): Webhook events deliver real-time notifications of account, card, or payment state changes. Each event includes a resource object with full context.\n- [Suspend card](https://docs.crossriver.com/apis/cards/apis/suspend-card.md): Temporarily suspend a card using POST /cardmanagement/v1/cards/\\{id}/suspend to prevent transactions.\n- [Error codes: Accounts](https://docs.crossriver.com/apis/accounts/error-codes-accounts.md): Reference common error codes and their descriptions to troubleshoot issues in Cross River's account APIs.\n- [Register](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/register-for-webhook-events.md): Register a webhook by POST webhooks/v1/registrations with your partnerId, eventName, callback URL, type (push/poll), format, and optional auth.\n- [Simulate card clearing](https://docs.crossriver.com/apis/cards/apis/simulate-card-clearing.md): Simulate the replacement of a memo post with a core transaction using POST /cardmanagement/v1/simulate/clearing.\n- [Add phone](https://docs.crossriver.com/apis/customer-management/apis/add-customer-phone-number.md): Add a customer's phone number via POST /core/v1/cm/customers/\\{customerid}/phones, specifying customer ID, phone type, number, and primary status.\n- [APIs intro](https://docs.crossriver.com/apis.md): Cross River APIs are clear, consistent, and easy to integrate. Test in sandbox using cURL, Swagger, Postman, and get real-time updates via webhooks.\n- [Update beneficial owner](https://docs.crossriver.com/apis/customer-management/apis/update-beneficial-owner.md): Update information about a business customer beneficial owner to a business customer via PUT /core/v1/cm/customers/\\{customerid}/beneficial-owners/\\{id}, including customer ID, ownership percentage and title.\n- [Card details by ID](https://docs.crossriver.com/apis/cards/apis/get-card-details-by-id.md): Retrieve specific card info using GET /cardmanagement/v1/cards/\\{id}, including status, balance, and transactions.\n- [Update token status](https://docs.crossriver.com/apis/cards/apis/wallet-tokenization/update-token-status.md): This page explains managing card token status via PUT requests, required webhooks, valid GUID IDs, and returned statuses like ACTIVE or SUSPENDED.\n- [Delete by ID](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/delete-by-id.md): DELETE webhooks/v1/registrations/\\{id} deletes a webhook registration by its ID.\n- [Event formats: COS](https://docs.crossriver.com/apis/webhooks/cos-webhooks/event-formats-cos.md): Event payloads use two formats: basic (minimal fields, up to 50 resources) and extended (full details included, up to 1,000 resources).\n- [Registered by ID](https://docs.crossriver.com/apis/webhooks/cos-webhooks/events-formats-cos/webhook-management-cos/registered-by-id.md): GET webhooks/v1/registrations/\\{id} retrieves details of a specific webhook registration by its ID.\n- [Error codes: customer management](https://docs.crossriver.com/apis/customer-management/error-codes-customer-management.md): Reference common error codes and their descriptions to troubleshoot issues in Cross River's customer management APIs.\n- [Unsuspend card](https://docs.crossriver.com/apis/cards/apis/unsuspend-card.md): Unsuspend a card with POST /cardmanagement/v1/cards/\\{id}/unsuspend to restore transaction capability.\n- [Add beneficial owner](https://docs.crossriver.com/apis/customer-management/apis/add-a-beneficial-owner.md): Add a beneficial owner to a business customer via POST /core/v1/cm/customers/\\{customerid}/beneficial-owners, including customer ID, ownership percentage and title.\n- [Admin block](https://docs.crossriver.com/apis/cards/apis/admin-block.md): Apply an administrative block via POST /cardmanagement/v1/cards/\\{id}/admin-block to prevent all transactions.\n- [Set PIN](https://docs.crossriver.com/apis/cards/apis/set-pin.md): Set a card's initial PIN using PUT /cardmanagement/v1/cards/\\{id}/pin, required before ATM or PIN-based transactions.\n- [Add business customer](https://docs.crossriver.com/apis/customer-management/apis/add-business-customer.md): Create a new business customer record via POST /core/v1/cm/customers, specifying classification, personal info, and address.\n- [Customer by ID](https://docs.crossriver.com/apis/customer-management/apis/get-customer-info-by-id.md): Retrieve a specific customer record using GET /core/v1/cm/customers/\\{id}, returning details like name, status, and profile.\n- [Update profile](https://docs.crossriver.com/apis/customer-management/apis/update-customer-profile.md): Update the banking profile of a customer record via PUT /core/v1/cm/customers/\\{id}/profile, specifying the unique customer ID returned when the customer record was created.\n- [CD activity](https://docs.crossriver.com/apis/accounts/time-deposit-apis/get-activity-on-specific-cd.md): Access account activity for a time deposit via GET /core/v1/dda/accounts/\\{accountnumber}/time-deposit, including rates and penalties.\n- [Create embed session](https://docs.crossriver.com/apis/cards/apis/create-embed-session.md): Learn how to create secure single-use card management embed sessions with the CRBCOS sandbox API, CSP iframe restrictions, and code examples.\n- [Card details](https://docs.crossriver.com/apis/cards/apis/get-card-details.md): List all cards and their info via GET /cardmanagement/v1/cards, including status, expiration, and cardholder details.\n- [Delete beneficial owner](https://docs.crossriver.com/apis/customer-management/apis/delete-beneficial-owner.md): Update information about a business customer beneficial owner to a business customer via PUT /core/v1/cm/customers/\\{customerid}/beneficial-owners/\\{id}, including customer ID, ownership percentage and title.\n- [Open account](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/open-a-deposit-account.md): Open a deposit account using POST /core/v1/dda/accounts, specifying customer and product IDs, and address details.\n- [Webhooks intro](https://docs.crossriver.com/apis/webhooks-intro.md): Webhooks push real-time updates to your system, reducing latency and polling. Register via API to get instant notifications on account or transaction changes.\n- [Create new card](https://docs.crossriver.com/apis/cards/apis/create-a-new-card.md): Create a new card with POST /cardmanagement/v1/cards using account, customer, and configuration details; card starts unactivated.\n- [Activate card by ID](https://docs.crossriver.com/apis/cards/apis/activate-a-card-by-ID.md): Activate a card with POST /cardmanagement/v1/cards/\\{id}/activate to enable transactions.\n- [Request and response codes](https://docs.crossriver.com/apis/webhooks/cos-webhooks/request-and-response-codes.md): Registration statuses: active, suspended, restarting. Types: push (expects 200), poll, file. Event statuses: pending, success, failed. Formats: basic (IDs) or extended (full details).\n- [Bank list](https://docs.crossriver.com/apis/accounts/deposit-sweeps-apis/get-a-list-of-banks.md): List available banks via GET /SweepsIntrafi/v1/Banks, including bank IDs and names.\n- [Get statement info](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/get-statement-info.md): Retrieve account statement metadata via GET /core/v1/dda/accounts/\\{accountnumber}/statements, including period start and end dates.\n- [Tax document](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/get-a-specific-tax-document.md): Retrieve a specific tax document PDF using GET /core/v1/dda/accounts/\\{accountnumber}/tax-documents/\\{id}, providing document details.\n- [Remove restriction](https://docs.crossriver.com/apis/accounts/account-mgmt-apis/remove-restriction.md): Remove an account restriction using DELETE /core/v1/dda/accounts/\\{accountnumber}/restrictions/\\{id}, restoring transaction capabilities.\n- [Add email](https://docs.crossriver.com/apis/customer-management/apis/add-customer-email.md): Add a customer's email address via POST /core/v1/cm/customers/\\{customerid}/emails, specifying customer ID, email type, address, and primary status.\n- [Simulate authentication](https://docs.crossriver.com/apis/cards/apis/authentication/simulate-authentication.md): The page describes how to simulate a 3‑D Secure card authentication using OTP, configure webhooks, and test sandbox API requests across multiple supported methods.\n- [Send batch](https://docs.crossriver.com/apis/payments/ach/apis/originate-ach-client-batch.md): Submit multiple ACH payments in a single batch using POST /ach/v1/client-batches, streamlining bulk payment processing.\n- [Webhook events: Instant payments](https://docs.crossriver.com/apis/payments/instant-payments/webhook-events-instant-payments.md): Receive real-time notifications for payment-related events via webhooks, including payment status updates and return requests.\n- [Webhook events: ACH](https://docs.crossriver.com/apis/payments/ach/webhook-events-ach.md): Receive real-time notifications for events like ACH payment status changes via webhooks configured in your ACH API settings.\n- [Send payments](https://docs.crossriver.com/apis/payments/cos-card-payments/payment-apis/post-payments.md): Explore the API endpoint \"/v1/payments\" for seamless payment transactions, detailing required parameters, data structure schema, and optional response insights for efficient tracking.\n- [Card tokens](https://docs.crossriver.com/apis/payments/cos-card-payments/card-token-apis/card-tokens.md): Explore our comprehensive guide on creating a card token via API, detailing required parameters, response codes, and language-specific implementation examples.\n- [Cancel payment](https://docs.crossriver.com/apis/payments/international-payments/apis/cancel-payment.md): The document provides a complete guide to cancelling international payments via API, covering timing rules, required IDs and webhooks.\n- [Reversals](https://docs.crossriver.com/apis/payments/ach/apis/reversals.md): Request to retrieve funds from a payment sent in error, such as a duplicate payment or one sent to the wrong account, using POST /ach/v1/payments/\\{id}/reversals.\n- [Webhook events: COS Card payments](https://docs.crossriver.com/apis/webhooks/cos-card-payments/webhook-events-cos-card-payments.md): Receive real-time notifications for events like card authorization, transaction status changes, and account credits via webhooks.\n- [Simulate wallet provisioning approval](https://docs.crossriver.com/apis/cards/apis/wallet-tokenization/simulate-wallet-provisioning-approval.md): This endpoint lets developers simulate wallet provisioning approval for a specific card using its GUID ID and optional token details, returning requester and reference IDs.\n- [Error codes: Cards](https://docs.crossriver.com/apis/cards/error-codes-cards.md): Reference common error codes and their descriptions to troubleshoot issues in Cross River's card management APIs.\n- [Simulate tokenization completion](https://docs.crossriver.com/apis/cards/apis/wallet-tokenization/simulate-tokenization-completion.md): This endpoint allows developers to simulate tokenization completion by sending token requester and reference IDs and receiving confirmation in a sandbox.\n- [Validate OUTOFBANDOTHER](https://docs.crossriver.com/apis/cards/apis/authentication/validate-out-of-band-other.md): The page outlines how to report out-of-band 3-D Secure results to the ACS using the OUTOFBANDOTHER flow and explains required webhooks, IDs, and statuses.\n- [Required fields list](https://docs.crossriver.com/apis/payments/international-payments/apis/get-list-of-required-fields-for-quote-request.md): Retrieve country-specific required fields for a payment quote via GET /international/v1/meta/quote.\n- [Request and response codes: Instant payments](https://docs.crossriver.com/apis/payments/instant-payments/request-and-response-codes-instant-payments.md): Understand HTTP status codes used in Cross River's Payments APIs, including payment status, types, reject/reason codes, network platform and transaction status.\n- [Error codes: COS Card payments](https://docs.crossriver.com/apis/payments/cos-card-payments/error-codes-cos-card-payments.md)\n- [Return reject](https://docs.crossriver.com/apis/payments/instant-payments/apis/return-reject.md): Reject an inbound return request via POST /rtp/v1/payments/\\{id}/reject for a previously received RTP credit transfer.\n- [Drawdown response](https://docs.crossriver.com/apis/payments/wires/respond-to-a-drawdown-request.md): Responds to a wires drawdown request by sending payment using POST /wires/v1/payments/\\{id}/drawdown-responses\n- [Drawdown request](https://docs.crossriver.com/apis/payments/wires/originate-a-drawdown-request.md): Request funds from an external bank using POST /wires/v1/payments/corporate-drawdown-requests for authorized wire drawdowns.\n- [Request and response codes: Wires](https://docs.crossriver.com/apis/payments/wires/request-and-response-codes-wires.md): Reference wire API codes for Business function, ID, Type, Subtype and Payment statuses.\n- [Monitor limit utilization](https://docs.crossriver.com/apis/payments/instant-payments/monitor-limit-utilization.md): Monitor the utilization of payment limits to ensure compliance with transaction thresholds and prevent over-limit transactions.\n- [Limits utilization by limit date](https://docs.crossriver.com/apis/payments/ach/apis/limits-utilization-by-date.md): Retrieve the percentage of your ACH payment limit used for a specific product and date using GET /ach/v1/limits-utilization/\\{productid}/\\{limitdate}.\n- [Payments](https://docs.crossriver.com/apis/payments.md): Cross River's Payments API enables various payment methods, including instant payments, ACH, wires, and card transactions, facilitating seamless fund transfers.\n- [Request and response codes: Book transfer](https://docs.crossriver.com/apis/payments/book-transfer/request-and-response-codes-book-transfer.md): Reference codes returned by Book Transfer APIs for transaction code field in the transaction endpoint and the flags field for book transfer or transaction.\n- [Sample cards for testing: COS Card Payments](https://docs.crossriver.com/apis/webhooks/cos-card-payments/sample-cards-for-testing-cos-card-payments.md): Utilize provided test card numbers for sandbox environment testing of card transactions.\n- [Card payments](https://docs.crossriver.com/apis/payments/cos-card-payments.md): Manage card payments, card onboarding, and transactions via Cross River Card Payments APIs, supporting push/pull payments and foreign exchange.\n- [Card token by ID](https://docs.crossriver.com/apis/payments/cos-card-payments/card-token-apis/card-token-by-id.md): Discover how to retrieve card token information via API using a GET request and token ID, with detailed response options and error handling for seamless integration.\n- [Sync Payment](https://docs.crossriver.com/apis/payments/ccp/sync-payment-apis/sync-payment.md): com/cardpayments/v1/syncpayments\\`, featuring POST method examples and essential parameters.\n- [International payments](https://docs.crossriver.com/apis/payments/international-payments.md): Facilitate cross-border transactions with APIs for exchange rate estimates, quote requests, and payment execution.\n- [Simulate inbound request for info](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/simulated-inbound-request-for-info.md): Simulate receiving a request for additional information about a payment you sent or received\n- [Simulate inbound return request](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/simulated-inbound-return-request.md): Simulate receiving a request to return funds from the receiving bank after payment settlement\n- [Simulate inbound payment ack](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/simulated-inbound-payment-ack.md): Simulate receiving acknowledgment from the receiving bank that your outbound payment was accepted\n- [Simulate inbound remit advice](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/simulated-inbound-remit-advice.md): Simulate receiving detailed remittance information for a payment transaction\n- [Simulate inbound payment request](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/simulated-inbound-payment-request.md): Simulate receiving a request for payment (invoice) from another financial institution\n- [Simulate inbound payment status request](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/simulated-inbound-payment-status-request.md): Simulate receiving an inquiry about the status of a payment transaction\n- [Simulate inbound ACH origination](https://docs.crossriver.com/apis/payments/ach/simulations/simulate-inbound-ach-origination.md): Simulate receiving an ACH inbound origination from another financial institution\n- [Foreign exchange rate](https://docs.crossriver.com/apis/payments/cos-card-payments/fx-rates/fxrates.md): The endpoint provides foreign exchange rates for card payments, enabling USD-to-currency conversion with required codes and clear, network-specific rate details.\n- [Request payment quote](https://docs.crossriver.com/apis/payments/international-payments/apis/request-payment-quote.md): Submit a quote request using POST /international/v1/quotes to get an executable quote for sending USD or foreign currenc\n- [Webhook events: Book transfer](https://docs.crossriver.com/apis/payments/book-transfer/webhook-events-book-transfer.md): Receive real-time updates on internal transfers and transaction status via webhooks.\n- [Error codes: International payments](https://docs.crossriver.com/apis/payments/international-payments/error-codes-international-payments.md): Reference error codes returned by international payments APIs for troubleshooting.\n- [Cancel transfer](https://docs.crossriver.com/apis/payments/wires/cancel-a-wire-transfer.md): Cancel a pending wire using POST /wires/v1/payments\\{id}/cancel to prevent it from being processed.\n- [Send ACH  transaction](https://docs.crossriver.com/apis/payments/ach/apis/send-ach-transaction.md): Initiate a single ACH transaction using POST /ach/v1/payments, specifying details like account numbers, SEC code, amount, and service type.\n- [Card activation](https://docs.crossriver.com/apis/payments/cos-card-payments/card-token-apis/card-activation.md): Activate or deactivate card tokens effortlessly using our API endpoint, which provides detailed responses, error handling, and essential cardholder information.\n- [Service info](https://docs.crossriver.com/apis/payments/instant-payments/apis/get-service-info.md): Retrieve a list of instant payment-related services supported by a specific financial institution via GET /rtp/v1/directory.\n- [Payment transactions](https://docs.crossriver.com/apis/payments/payment-transactions.md): Transactions in cross river, Core.Transaction.Complete webhook event, transactions in instant payments, wires, ACH, international payments\n- [Request and response codes: ACH](https://docs.crossriver.com/apis/payments/ach/request-and-response-codes-ach.md): Understand network identifications and ACH response codes for transaction processing, aiding in troubleshooting and resolution. Including SEC codes, Rejection codes, Return codes, and IAT transaction types.\n- [Wires](https://docs.crossriver.com/apis/payments/wires.md): Manage domestic and international wires, including send, cancel, and drawdown requests via Cross River Wires API.\n- [Webhook events: Cards](https://docs.crossriver.com/apis/cards/webhook-events-cards.md): Receive real-time notifications for card-related events via webhooks, including authorizations, settlements, and reversals.\n- [Payments](https://docs.crossriver.com/apis/payments/cos-card-payments/payment-apis/get-payments.md): Discover how to retrieve payment data using the \\`/v1/payments\\` API endpoint, featuring code examples and detailed response attributes for effective payment processing.\n- [Request and response codes: Cards](https://docs.crossriver.com/apis/cards/request-and-response-codes-cards.md): Understand HTTP status codes used in Cross River's card APIs, including transaction codes, flags, card state and status, order status, instrument type and processing codes.\n- [Wires postal address update (November 2027)](https://docs.crossriver.com/apis/payments/wires/wires-postal-code-update.md): Changes to FedWire postal address format for ISO 20022 compliance and Cross River's implementation approach\n- [Transfers](https://docs.crossriver.com/apis/payments/book-transfer/transfers.md): Initiate an internal transfer via POST /core/v1/transfers with source and destination accounts and amount.\n- [Exchange rate estimate](https://docs.crossriver.com/apis/payments/international-payments/apis/get-exchange-rate-estimate.md): Retrieve estimated cost and FX rates via GET /international/v1/estimates before sending an international payment.\n- [ABA directory](https://docs.crossriver.com/apis/payments/wires/abadirectory.md): Retrieve routing numbers and bank details of ABA members via GET /wires/v1/aba-directory to validate wire instructions.\n- [ACH](https://docs.crossriver.com/apis/payments/ach.md): Facilitate ACH payments via Cross River's ACH API, supporting single payments, client batches, reversals, returns, and utilization monitoring. Originate and receive payments through the Federal Reserve ACH network.\n- [Error codes: ACH](https://docs.crossriver.com/apis/payments/ach/error-codes-ach.md): Reference common error codes such as validation, application, security, and system errors in ACH API responses.\n- [Webhook events: Wires](https://docs.crossriver.com/apis/payments/wires/webhook-events-wires.md): Receive notifications for wire events like status updates and approvals via webhooks.\n- [Cancel request](https://docs.crossriver.com/apis/payments/instant-payments/apis/cancel-a-payment-request.md): Cancel a payment request via POST /rtp/v1/payments/\\{id}/payment-request/cancel if a credit transfer or payment request response has not been received.\n- [Card token](https://docs.crossriver.com/apis/payments/cos-card-payments/card-token-apis/card-token.md): Discover how to efficiently retrieve and manage card tokens using the \\`/cardpayments/v1/cardtokens\\` GET API endpoint, featuring customizable filters and structured responses.\n- [Returns](https://docs.crossriver.com/apis/payments/ach/apis/create-ach-return.md): Initiate a return for an existing ACH payment using POST /ach/v1/payments/\\{id}/returns, including a valid NACHA return code.\n- [Request and response codes: Card payments](https://docs.crossriver.com/apis/webhooks/cos-card-payments/request-and-response-codes.md): Reference guide for card payment processing, transaction purpose codes, network cutoff times, and Visa/Mastercard authorization responses.\n- [Payment request](https://docs.crossriver.com/apis/payments/instant-payments/apis/originate-a-payment-request.md): Initiate a request for payment via POST /rtp/v1/payments/payment-request, allowing the recipient to authorize and trigger an instant payment credit transfer.\n- [Transactions](https://docs.crossriver.com/apis/payments/book-transfer/transactions.md): Retrieve transaction history using GET /core/v1/transactions for audit and reconciliation.\n- [Sync Payment Preprocessing](https://docs.crossriver.com/apis/payments/cos-card-payments/sync-payment-apis/sync-preprocessing.md): Explore our comprehensive guide on the API endpoint for payment processing, detailing required and optional parameters, statuses, and transaction identifiers for seamless integration.\n- [Simulate inbound payment request cancel](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/simulated-inbound-payment-request-cancel.md): Simulate receiving a cancellation message for a previously sent request for payment\n- [Return approval](https://docs.crossriver.com/apis/payments/instant-payments/apis/return-approval.md): Approve an inbound return request via POST /rtp/v1/payments/\\{id}/approve-return for a previously received RTP credit transfer.\n- [Simulate activation passcode](https://docs.crossriver.com/apis/cards/apis/wallet-tokenization/simulate-activation-passcode.md): This endpoint allows a token service provider to simulate sending an activation passcode with tokenRequestorId and tokenReferenceId, confirming dispatch.\n- [Return request](https://docs.crossriver.com/apis/payments/instant-payments/apis/return-request.md): Initiate a return request via POST /rtp/v1/payments/\\{id}/return-request for outgoing payments that have already been sent.\n- [Book transfer](https://docs.crossriver.com/apis/payments/book-transfer.md): Move funds internally between accounts using Cross River Book Transfer APIs for transfers and transaction tracking.\n- [Credit transfer](https://docs.crossriver.com/apis/payments/instant-payments/apis/originate-a-credit-transfer.md): Initiate a credit transfer via POST /rtp/v1/payments, enabling real-time fund transfers from your account to the recipient's account.\n- [Simulate inbound origination](https://docs.crossriver.com/apis/payments/instant-payments/apis/simulations/payments-simulated-inbound-origination.md): Simulate receiving an RTP or FedNow credit transfer payment from another financial institution\n- [Send payment](https://docs.crossriver.com/apis/payments/international-payments/apis/send-payment.md): Execute an international payment via POST /international/v1/payments using an approved quote ID.\n- [Webhook events: International payments](https://docs.crossriver.com/apis/payments/international-payments/webhook-events-international-payments.md): Receive notifications for international payments for quote status changes and payment completions via webhooks.\n- [Cancel batch](https://docs.crossriver.com/apis/payments/ach/apis/cancel-ach-client-batches.md): Cancel any incomplete payments and stop further processing of any remaining payments in a batch using POST /ach/v1/client-batches/\\{id}/cancel.\n- [3DS authentication details](https://docs.crossriver.com/apis/cards/apis/authentication/3ds-authentication-details.md): This page explains how to retrieve 3DS details via the /cardmanagement/v1/3ds/\\{id} endpoint and highlights required webhooks and key session data.\n- [Instant payments](https://docs.crossriver.com/apis/payments/instant-payments.md): Facilitate real-time fund transfers between U.S. bank accounts using networks like CRNow, RTP®, and FedNow, supporting both credit transfers and payment requests.\n- [Error codes: Wires](https://docs.crossriver.com/apis/payments/wires/error-codes-wires.md): Cross River wire error codes for validation, authorization, and processing issues.\n- [Wire transfer](https://docs.crossriver.com/apis/payments/wires/send-a-wire-transfer.md): Initiate a single wire transaction via POST /wires/v1/payments with sender, beneficiary, and funding details for domestic or international transfers.\n- [Checks](https://docs.crossriver.com/apis/payments/checks.md): Manage check deposits, images, analysis, and positive pay via /checks/v1/ and related endpoints.\n- [Cancel payment](https://docs.crossriver.com/apis/payments/ach/apis/cancel-payment.md): Cancel a pending ACH payment using POST /ach/v1/payments/\\{id}/cancel, preventing further processing of the payment.\n- [Payment purpose codes](https://docs.crossriver.com/apis/payment-purpose-codes.md): Standardizes payment reasons for cross-border transactions. Required for payments to India (INR), Malaysia (MYR), and UAE (AED). Use POST /international/v1/quotes.\n- [Credit card application decisioning API](https://docs.crossriver.com/apis/cards/apis/credit-card-application-decisioning-api.md): PreApproval v2 offers schema-based APIs to validate, submit, and monitor credit card applications, ensuring compliance, data integrity, and fair banking oversight.\n- [Payments by ID](https://docs.crossriver.com/apis/payments/cos-card-payments/payments-apis/payments-by-id.md): Discover how to retrieve payment details using the API method with a GET request to \\`/v1/payments/\\{id}\\`, featuring code examples and essential parameters for effective transaction management.\n- [Limits utilization](https://docs.crossriver.com/apis/payments/ach/apis/limits-utilization.md): Monitor the percentage of your ACH payment limit used according to the specific product used to initiate ACH payments using GET /ach/v1/limits-utilization/\\{productid}.\n- [Deposit check](https://docs.crossriver.com/apis/payments/checks/deposit-a-check.md): Deposit a check with images using POST /checks/v1/payments to deposit into a Cross River account.\n- [Print check payment](https://docs.crossriver.com/apis/payments/checks/print-and-send-a-check.md)\n- [Error codes: Instant payments](https://docs.crossriver.com/apis/payments/instant-payments/error-codes-instant-payments.md): The document provides a guide to FedNow and RTP error codes, helping organizations understand and troubleshoot payment failures, delays, and processing issues.\n- [Transaction reports](https://docs.crossriver.com/apis/lending/transaction-reports.md): Daily CSV file via SFTP with all loan-level transactions, payments, reversals, fees, modifications, with codes, amounts, and balance impact.\n- [Send stablecoin payment](https://docs.crossriver.com/apis/onchain-payments/apis/send-stablecoin-payment.md): Discover how to send (POST) an onchain stablecoin payment using this endpoint /v1/payments\n- [Webhook events: Checks](https://docs.crossriver.com/apis/payments/checks/webhook-events-checks.md): Receive check-related events (e.g. deposit sent, rejected) via registered webhook callbacks.\n- [Add loan documents](https://docs.crossriver.com/apis/lending/post-add-loan-documents.md): Upload supporting loan docs: POST /loan/\\{Id}/attachments (zip files; naming conventions explained on page).\n- [Get payment details](https://docs.crossriver.com/apis/payments/checks/get-payment-details.md)\n- [Error codes: checks](https://docs.crossriver.com/apis/payments/checks/error-codes-checks.md): Lists error codes for check operations like validation or processing failures.\n- [Get extended check data](https://docs.crossriver.com/apis/payments/checks/get-extended-check-data.md): Retrieve a specific payment by its unique identifier\n- [Simulate inbound payment](https://docs.crossriver.com/apis/simulate-inbound-payment.md)\n- [Create account wallet](https://docs.crossriver.com/apis/onchain-payments/apis/create-account-wallet.md): Discover how to create a blockchain receiving address with our comprehensive guide, featuring API references, endpoint details, and practical examples for on-chain transactions. Using this endpoint /v1/accounts/\\{accountNumber}/account-addresses\n- [Card rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/card-rail.md): Card funding rails passed in the PUT /FundingInfo body (card rail fields) to charge a card for funding/repayment.\n- [ACH rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/ach-rail.md): ACH funding fields are sent inside the funding info payload required: toRoutingNumber, toAccountNumber, standardEntryClassCode, etc.\n- [Internal transfer (XPay) rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/internal-transfer-xpay-rail.md): Internal CR account transfers are provided as an internal transfer rail within the PUT /FundingInfo payload.\n- [RPPS rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/rpps-rail.md): RPPS rails and their returns/reversals are handled via the loan funding flow (submit via PUT /FundingInfo; returns and reversals appear in loan detail and webhooks)\n- [RTP/FedNow rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/rtp-fednow-rail.md): Instant rails are sent as part of funding instructions (use PUT /FundingInfo with rtp/instantpayment rail fields).\n- [Pav2 to Arix integration: Draws or line-of-credit](https://docs.crossriver.com/apis/lending/application-decisioning/Pav2-to-Arix-integration-draws-or-line-of-credit.md): Learn how the Pav2–Arix integration streamlines loan lifecycle management, automates master loan creation, and supports compliant LOC draws and funding.\n- [NetFunding adjustment](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/NetFunding-Adjustment.md): Send adjustments as a funding rail type adjustment action in the PUT  /Loan/\\{Id}/FundingInfo payload to update amounts/status.\n- [Loans by loan type](https://docs.crossriver.com/apis/lending/purchasing-a-loan/loans-by-loan-type.md): The endpoint provides loan information by type with extensive filtering options, enabling users to search, sort, paginate, and download detailed loan data for analysis.\n- [Total purchase amount](https://docs.crossriver.com/apis/lending/purchasing-a-loan/total-purchase-amount.md): This endpoint estimates total loan purchase costs using purchase date, loan and lender details, optional account, and date filters to return one projected amount.\n- [Upload CSV and end seasoning](https://docs.crossriver.com/apis/lending/purchasing-a-loan/transition-LTHFS-loans/upload-csv-and-end-seasoning.md): Learn how to upload loan CSV files in the Selling UI, validate loan IDs, and move loans from InSeasoning to ReadyForPurchase.\n- [Deprecated APIs](https://docs.crossriver.com/apis/deprecated-apis.md)\n- [Pull funding (ACH debit) rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/pull-funding-ach-debit-rail.md): Pull funds from a merchant (ACH debit) via the pull funding flow; submit instructions through the funding API (PUT /FundingInfo)\n- [Hook notifications](https://docs.crossriver.com/apis/lending/hook-notifications.md): Loan lifecycle webhooks (e.g., loanstatusupdated, railupdated) notify you of funding, returns, and status changes.\n- [Create a Line-of-Credit (LOC)/ Draws](https://docs.crossriver.com/apis/lending/deprecated-apis/create-a-line-of-credit-loc-draws.md): Open or update a line of credit defining terms, limits, and repayment.\n- [Check if purchase allowed](https://docs.crossriver.com/apis/lending/purchasing-a-loan/check-if-purchase-allowed.md): Check if loan purchases are allowed on a specific date using rules for holidays, blackout periods, and maintenance windows with a true/false response.\n- [Check rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/check-rail.md): Issue mailed checks as a funding rail via PUT /FundingInfo (include check fields and optional base64 PDF attachment).\n- [Purchase accounts and balances](https://docs.crossriver.com/apis/lending/purchasing-a-loan/purchase-accounts-and-balances.md): Retrieve purchase loan accounts and balances by criteria such as date, loan type, bank, and MPL ID to verify funds and monitor transactions.\n- [Purchase receipt](https://docs.crossriver.com/apis/lending/purchasing-a-loan/purchase-receipt.md): Retrieve a completed loan purchase batch invoice by purchaseId, including purchased loans, totals, fees, timestamps, and account details.\n- [Loan aggregation summary](https://docs.crossriver.com/apis/lending/purchasing-a-loan/loan-aggregation-summary.md): Get aggregated MPL loan totals by type and sale status with flexible date filters for dashboards, reporting, pipeline tracking, and monitoring.\n- [Calculate loan total](https://docs.crossriver.com/apis/lending/purchasing-a-loan/calculate-loan-total.md): Retrieve a loan’s current total value, including adjusted amount and accrued interest, to estimate purchase costs and monitor interest growth.\n- [Environment status](https://docs.crossriver.com/apis/environment-status.md): Monitor API uptime and incidents via the Cross River status pages for COS, Card Payments and Lending.\n- [Get loan details by ID](https://docs.crossriver.com/apis/lending/get-loan-details-by-ID.md): Retrieve loan state, rails, and funding history: GET /LoanDetail/\\{id} (include query params to show returned rails)\n- [Application Pav1 - (legacy)](https://docs.crossriver.com/apis/lending/deprecated-apis/application-pav1-legacy.md): Submit loan applications and retrieve automated decision results via various POST endpoints.\n- [Loan funding - payment rails](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails.md): Funding uses rails (ACH, check, card, RPPS, RTP, Card, Wire). Submit funding instructions via PUT /Loan/\\{id}/FundingInfo\n- [Enums](https://docs.crossriver.com/apis/lending/enums.md): Reference file for loan, rail, and funding enums (loan statuses, rail types, funding results); used across the loan APIs\n- [Attachments by appID](https://docs.crossriver.com/apis/lending/application-decisioning/attachments-by-appID.md): Upload ZIP document packages to the Preapproval API using application\\_id, with support for loan, credit, underwriting, and BSA-AML files.\n- [Webhook events: onchain payments](https://docs.crossriver.com/apis/onchain-payments/webhook-events-crypto.md): Explore the key webhook events for Cross River's cryptocurrency payments, including detailed descriptions and sample payloads for effective integration and transaction management.\n- [List available purchase accounts](https://docs.crossriver.com/apis/lending/purchasing-a-loan/list-available-purchase-accounts.md): Retrieve eligible purchase loan accounts by date, loan type, and bank, returning configuration details for validation, discovery, and setup troubleshooting.\n- [Authorize check](https://docs.crossriver.com/apis/payments/checks/authorize-a-check.md): Authorize a check via POST /checks/v1/positive-pay-authorizations.\n- [Onchain payments](https://docs.crossriver.com/apis/onchain-payments.md): Discover how to utilize USDC for seamless crypto payments on Ethereum and Solana, featuring instant settlements, API integration, and vital compliance guidelines.\n- [Purchase reports](https://docs.crossriver.com/apis/lending/deprecated-apis/purchase-reports.md)\n- [View check](https://docs.crossriver.com/apis/payments/checks/view-check-images.md): Retrieve front or back image via GET /checks/v1/payments/\\{id}/images/\\{view}.\n- [Purchasing a loan](https://docs.crossriver.com/apis/lending/purchasing-a-loan.md): This page describes Cross River’s Lending Selling API, enabling automated loan purchases with validation, funding, reporting, flexible workflows, and multiple supported loan types.\n- [Request and response codes: Checks](https://docs.crossriver.com/apis/payments/checks/request-and-response-codes-checks.md): Defines codes including Check Types, Direction, Payment Status, Positive Pay Status, Payment Types, Rejection Reasons and Return codes in check API responses.\n- [Servicing reports](https://docs.crossriver.com/apis/lending/servicing-reports.md): Cross River requires daily CSV servicing snapshots for all loans, sent via SFTP. The file includes daily balances, payments, status fields, and activity per loan\n- [Create and update a loan](https://docs.crossriver.com/apis/lending/create-and-update-loan.md): Create or modify a loan record using POST /Loan and PUT Loan/\\{id}.\n- [Error codes: onchain payments](https://docs.crossriver.com/apis/onchain-payments/error-codes-crypto.md): Reference common error codes such as validation, application, security, and system errors in crypto API responses.\n- [Delete wallet](https://docs.crossriver.com/apis/onchain-payments/apis/delete-wallet.md)\n- [Application decisioning](https://docs.crossriver.com/apis/lending/application-decisioning.md): PreApproval v2 offers schema-based APIs to validate, submit, and monitor credit applications, ensuring compliance, data integrity, and fair banking oversight.\n- [Initiate check return](https://docs.crossriver.com/apis/payments/checks/initiate-check-return.md): Deposit a check with images using POST /checks/v1/payments to deposit into a Cross River account.\n- [List check payments](https://docs.crossriver.com/apis/payments/checks/list-check-payments.md): Deposit a check with images using POST /checks/v1/payments to deposit into a Cross River account.\n- [Transition LTHFS loans](https://docs.crossriver.com/apis/lending/purchasing-a-loan/transition-LTHFS-loans.md): This endpoint updates specified LTHFS loans so they move out of the InSeasoning phase and become eligible for purchase, confirming how many transition to ReadyForPurchase.\n- [Purchase account balance](https://docs.crossriver.com/apis/lending/purchasing-a-loan/purchase-account-balance.md): Check available purchase account balance before loan purchases via POST /selling/api/loans/purchase/balance using purchase details.\n- [Get external beneficiary](https://docs.crossriver.com/apis/onchain-payments/apis/get-external-beneficiary.md): Discover how to retrieve registered beneficiary wallets. Using this endpoint /v1/accounts/\\{accountNumber}/external-addresses\n- [Lending](https://docs.crossriver.com/apis/lending.md): Access APIs to originate, fund, service, and report on loans, lines of credit, and merchant lending with flexible payment rails.\n- [Send PII](https://docs.crossriver.com/apis/onchain-payments/apis/send-pii.md)\n- [Wire rail](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/wire-rail.md): Wires as funding rails are sent via PUT /FundingInfo with wire rail fields (beneficiary, routing, amounts).\n- [Return rails](https://docs.crossriver.com/apis/lending/loan-funding-payment-rails/return-rails.md): Discover how to efficiently return rails using the ReturnRail API, ensuring eligibility checks, accurate tracking, and seamless error handling for optimal results.\n- [Loans purchase](https://docs.crossriver.com/apis/lending/purchasing-a-loan/loans-purchase.md): This endpoint triggers the purchase of loans using criteria including type, date, bank, MPL ID, and investor options, returning batch details and a completion webhook.\n- [Simulate inbound check return](https://docs.crossriver.com/apis/simulate-inbound-check-return.md)\n- [Application](https://docs.crossriver.com/apis/lending/application-decisioning/application.md): Create or update loan applications via partner-specific schemas using the POST /api/v2/applications endpoint with support for validation and updates.\n- [Cancel deposit](https://docs.crossriver.com/apis/payments/checks/cancel-a-check-deposit.md): Cancel a pending deposit using POST /checks/v1/payments/\\{id}/cancel.\n- [Revoke authorization](https://docs.crossriver.com/apis/payments/checks/revoke-authorization.md): Revoke positive pay approval via POST /checks/v1/positive-pay-authorizations/\\{id}/revoke\n- [Image analysis](https://docs.crossriver.com/apis/payments/checks/image-analysis.md): Get image quality and OCR analysis via GET /checks/v1/payments/\\{id}/analysis.\n- [Create external beneficiary](https://docs.crossriver.com/apis/onchain-payments/apis/create-external-beneficiary.md): Discover how to retrieve registered beneficiary wallets. Using this endpoint POST /v1/accounts/\\{accountNumber}/external-addresses\n- [Get account wallet](https://docs.crossriver.com/apis/onchain-payments/apis/get-account-wallet.md): Discover how to retrieve (GET) a blockchain receiving address with our comprehensive guide, featuring API references, endpoint details, and practical examples for on-chain transactions. Using this endpoint /v1/accounts/\\{accountNumber}/account-addresses\n- [Loan purchase details](https://docs.crossriver.com/apis/lending/purchasing-a-loan/loan-purchase-details.md): Retrieve a loan’s purchase and sale details by UUID, including statuses, amounts, interest, fees, dates, and batch IDs for auditing and reconciliation.\n- [Loan information](https://docs.crossriver.com/apis/lending/purchasing-a-loan/loan-information.md): Retrieve complete loan details by UUID with the GET /selling/api/loans/\\{id}/info endpoint, including statuses, amounts, rates, dates, investor, and bank data.\n- [SOFR 30-day average](https://docs.crossriver.com/apis/lending/purchasing-a-loan/sofr-30-day-average.md): Get the 30-day SOFR average from the New York Federal Reserve via the \\`/selling/api/sofr\\` endpoint, including effective date and SOFR value.\n- [Cancel a loan](https://docs.crossriver.com/apis/lending/cancel-a-loan.md): Cancel a pending or unfunded loan by using its ID using PUT /Loan/\\{\\{loanId}}/Cancel\n\n## Changelog (/changelog)\n\n- [Changelog](https://docs.crossriver.com/changelog.md): Discover key product updates and new features, including enhancements.\n- [Subscribe to the changelog](https://docs.crossriver.com/changelog/subscribe-to-the-changelog.md): How to get automatic email updates when the changelog page is updated. The changelog lists both changes to APIs, features and infrastructure, and meaningful changes to documentation.\n\n## Concepts (/concepts)\n\n- [Account activity records](https://docs.crossriver.com/concepts/accounts/account-activity-records.md)\n- [Advanced authorization flow](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/advanced-authorization/advanced-authorization-flow.md): The entire transaction authorization flow for advanced authorization, from merchant initiation to final reconciliation.\n- [Synchronous vs Asynchronous](https://docs.crossriver.com/concepts/payments/cos-card-payments/migration-from-p2p-to-ccp/sync-and-async.md)\n- [Cross River issuer processor](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/issuer-processor/cross-river-issuer-processor.md): Cross River’s cloud-native P1 platform powers scalable Visa and Mastercard issuing with real-time processing, fraud controls, and secure cloud connectivity.\n- [Time window and funds availability](https://docs.crossriver.com/concepts/payments/wires/transaction-times-and-availability.md): Wires process Mon–Fri, 9 PM previous day–7 PM current day. Funds are available once posted, unless the transfer is on hold.\n- [For benefit of (FBO) accounts](https://docs.crossriver.com/concepts/accounts/fbo-accounts.md): An FBO (For Benefit Of) account is opened for others’ benefit, individuals or groups.  Cross River will help you choose the best setup during onboarding.\n- [Deposit accounts (DDA)](https://docs.crossriver.com/concepts/accounts/DDAs.md): Cross River account offerings, including savings, CDs, and demand deposit accounts. Accounts can be either interest-bearing or non-interest bearing.\n- [Integrated issuing](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing.md): Integrated Issuing lets partners offer cards using Cross River’s infrastructure while focusing on customers. Cross River handles banking, compliance, and card processing.\n- [Quarterly report templates](https://docs.crossriver.com/concepts/cards/reporting-and-compliance/quarterly-report-templates.md): Learn Cross River’s Visa QOC and Mastercard QMR quarterly reporting requirements, deadlines, templates, encryption rules, SFTP uploads, and file naming formats.\n- [Card payments FAQ](https://docs.crossriver.com/concepts/card-payments/card-payments-faq.md): Explore Cross River's push-to-card payment services, covering P2C and AFT transactions, security measures, and integration via secure iFrames for seamless online payments.\n- [Payments](https://docs.crossriver.com/concepts/payments.md): Payment solutions for domestic and international transactions, including instant payments, card payments, international payments, ACH transfers, Wires, XML batch and checks.\n- [Card transactions](https://docs.crossriver.com/concepts/cards/card-transactions.md): A card transaction happens when a cardholder uses stored value, deposits, or credit. Key steps and parties involved in the transaction lifecycle is described.\n- [Online authentication](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/online-authentication.md): Learn how 3D Secure (3DS) reduces online payment fraud, supports PSD2 compliance, shifts liability, and improves global card acceptance.\n- [Concepts intro](https://docs.crossriver.com/concepts.md): Our concept overviews break down each Cross River product, showing you the main features and how to integrate them.\n- [Cards FAQ](https://docs.crossriver.com/concepts/cards/cards-faq.md): Discover Cross River's card-issuing platform, exploring card types, issuing models, advanced authorization features, and how we ensure compliance for partners.\n- [Business types](https://docs.crossriver.com/concepts/payments/cos-card-payments/business-types.md): Business types classify transaction purposes and are sent to card networks. In APIs, businessType codes map to Visa BAI or Mastercard TTI codes for push/pull payments.\n- [Accounts](https://docs.crossriver.com/concepts/accounts.md): Cross River account products, including deposit account checking, savings, and CDs and For benefit of (FBO) accounts and subledgers.\n- [Open an account](https://docs.crossriver.com/concepts/accounts/open-an-account.md): To open a Cross River account, you need a product ID, customer ID, address, phone, clear OFAC status, and matching customer classification.\n- [Accounts features](https://docs.crossriver.com/concepts/accounts/account-features.md): Cross River's account features, including applying interest rates to savings account, deposit sweeps, and easy access to monthly statements and tax forms.\n- [Cards](https://docs.crossriver.com/concepts/cards.md): Cross River’s card platform lets partners create debit, credit, and prepaid cards, physical or virtual, tailored to business needs and issuing models.\n- [Advanced authorization](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/advanced-authorization.md): Cross River’s advanced authorization lets Integrated Issuing partners shape real-time card approvals, reduce declines, improve user experience, while keeping network compliance oversight.\n- [Digital wallet tokenization](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/digital-wallet-tokenization.md): Learn how Cross River P1 enables secure Apple Pay, Google Pay, and Samsung Pay provisioning with tokenization, NFC setup, and fraud reduction.\n- [Issuing models](https://docs.crossriver.com/concepts/cards/issuing-models.md): Cross River offers two card issuing models, Partner-managed and Integrated issuing.\n- [Replace and reissue cards](https://docs.crossriver.com/concepts/cards/card-lifecycle/partner-managed-lifecycle/replace-and-reissue-cards.md): Replace damaged, lost, or stolen cards through our designated endpoint, ensuring your new card is set as primary to avoid complications.\n- [Card transaction flow](https://docs.crossriver.com/concepts/cards/card-transactions/card-transaction-flow.md): A card transaction moves through multiple systems to authorize and settle payments, involving the cardholder, merchant, issuer (Cross River), and acquirer via the card network.\n- [Issuer processor](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/issuer-processor.md): Issuer processors power card programs by authorizing transactions, managing cards, enforcing security, and supporting settlement workflows.\n- [Assist mode](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/advanced-authorization/assist-mode.md): Assist Mode lets partners join the authorization flow, handle declined transactions, use alternate funding, and reconcile with Cross River.\n- [Velocity controls](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/issuer-processor/velocity-controls.md)\n- [Servicing data](https://docs.crossriver.com/concepts/cards/reporting-and-compliance/servicing-data.md): This page specifies daily CSV reporting requirements for active credit‑card accounts, detailing strict formats, SFTP delivery, and required data fields.\n- [Merchant tokenization](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/digital-wallet-tokenization/merchant-tokenization.md): Learn how merchant tokenization secures stored card payments with network tokens, reducing fraud, enabling auto card updates, and protecting subscriptions.\n- [Payment types](https://docs.crossriver.com/concepts/payments/ach/payment-types.md): Cross River ACH supports Standard and Same Day payments, domestic push/pull, prenote account validation, and international transfers via a US intermediary, following Nacha rules.\n- [Network interoperability](https://docs.crossriver.com/concepts/payments/instant-payments/network-interoperability.md): Cross River’s API handles RTP®, FedNow®, and CRNow routing for you, ensuring flexible, reliable, and seamless instant payments across networks.\n- [Payment settlement](https://docs.crossriver.com/concepts/payments/ach/payment-settlement.md): ACH transactions settle in 1–3 business days, or same day if Same Day ACH. Credits and debits follow Fed and Nacha rules, with a $1M Same Day limit and domestic-only for Same Day.\n- [Batched payments](https://docs.crossriver.com/concepts/payments/ach/batched-payments.md): Send up to 5,000 payments in a single batch. Each payment is processed individually, triggers webhooks, and can be tracked asynchronously via the API.\n- [Payment send limits](https://docs.crossriver.com/concepts/payments/instant-payments/payment-send-limits.md): Instant Payments have payment network and Cross River limits: RTP $1M, FedNow $500K, CRNow unlimited. CR daily send limits apply, tracked via webhook for monitoring.\n- [Statement descriptor](https://docs.crossriver.com/concepts/payments/cos-card-payments/statement-descriptor.md): A statement descriptor shows transaction info on customer statements. Cross River supports static or dynamic descriptors to help identify charges and reduce disputes.\n- [Push and pull](https://docs.crossriver.com/concepts/payments/cos-card-payments/send-and-receive.md): Push payments (P2C/OCT) send funds to a debit card via API, authorized by the issuing bank. Pull payments (AFT) pull funds for wallets, prepaid cards, or P2P transfers, not for purchases.\n- [International payments FAQ](https://docs.crossriver.com/concepts/international-payments/international-payments-faq.md): Discover Cross River's International Payments services, addressing key FAQs\n- [Participant roles](https://docs.crossriver.com/concepts/payments/instant-payments/participant-roles.md): Ultimate debtor and creditor fields identify the true party behind payments, giving banks clearer insight and improving accuracy in instant payment flows.\n- [Holds](https://docs.crossriver.com/concepts/payments/wires/holds.md): A wire on-hold reflects Cross River’s risk controls for fraud, compliance, or financial issues. COS Explorer shows hold type and status; system checks may also trigger holds.\n- [Benefits and limitations](https://docs.crossriver.com/concepts/payments/international-payments/benfits-and-limitations.md): Cross River International Payments let US businesses send outbound payments globally, but exclude inbound payments, crypto, gaming, FX wallets, and remittances.\n- [Send payment](https://docs.crossriver.com/concepts/payments/international-payments/send-payment.md): The process for executing outbound international payments, from obtaining exchange rate estimates to finalizing transactions with compliance checks.\n- [Reconciliation](https://docs.crossriver.com/concepts/cards/integrated-issuing/advanced-authorization/reconciliation.md): Ensure timely daily updates and reconciliations between partners and Cross River for accurate account balances, using provided files to align transactions effectively.\n- [Deposit sweeps](https://docs.crossriver.com/concepts/accounts/account-features/deposit-sweeps.md): Cross River and IntraFi offer deposit sweep services for financial institutions, extending FDIC coverage up to $170M per depositor (in each insurable capacity).\n- [Balance visibility](https://docs.crossriver.com/concepts/cards/issuing-models/partner-managed/balance-visibility.md): The page explains why programs using FBO accounts must keep clear customer‑level balance records to ensure each user receives full FDIC pass‑through insurance coverage.\n- [Outbound and inbound](https://docs.crossriver.com/concepts/payments/instant-payments/send-and-receive.md): Cross River lets you send or receive funds instantly 24/7/365 via CRNow, FedNow, and RTP, as long as the network and receiving bank support the service.\n- [Payment authorization](https://docs.crossriver.com/concepts/payments/wires/payment-authorization.md): Cross River wires over certain amounts require authorization. Drawdowns and outbound transfers above $1M need approval or a callback from Wire Ops if thresholds aren’t met.\n- [ACH FAQ](https://docs.crossriver.com/concepts/ach/ach-faq.md): Discover Cross River's ACH services, addressing key FAQs on processing, transaction types, and features like Early Direct Deposit for efficient electronic payments.\n- [Time windows](https://docs.crossriver.com/concepts/payments/ach/time-windows.md): ACH payment timing depends on serviceType (Standard or Same Day) and cutoff times. Payments after the cutoff settle the next business day; batches follow FedACH schedules.\n- [Participant roles](https://docs.crossriver.com/concepts/payments/ach/participant-roles.md): An ACH payment involves multiple parties, including individuals and financial institutions, each playing a role in transferring funds.\n- [Wires](https://docs.crossriver.com/concepts/payments/wires.md): Cross River wire transfers let you send and receive domestic and international payments via Fedwire®, often same-day, with full tracking and intermediary support.\n- [Reporting and compliance](https://docs.crossriver.com/concepts/cards/reporting-and-compliance.md): Cross River oversees compliance as issuing bank. Partners submit daily, monthly, and quarterly reports to ensure program oversight and regulatory adherence.\n- [Statements and tax forms](https://docs.crossriver.com/concepts/accounts/account-features/statements-and-tax-forms.md): Access Cross River's monthly account statements and tax documents, including IRS Form 1099, easily through COS Explorer or API endpoints.\n- [Returns and reversals](https://docs.crossriver.com/concepts/returns-and-reversals.md): ACH payments can be returned if the RDFI cannot post them, or reversed by the ODFI to correct errors. Returns and reversals follow Nacha rules and timing requirements.\n- [Integrated card actions](https://docs.crossriver.com/concepts/cards/card-lifecycle/integrated-card-actions.md): COS enables full card lifecycle management via APIs or COS Explorer, covering creation, activation, PIN setup, replacement, suspension, and closure.\n- [Early direct deposit](https://docs.crossriver.com/concepts/payments/ach/early-direct-deposit.md): Cross River Early Direct Deposit (EDD) lets customers access ACH deposits up to 2 days early. Availability depends on timely ACH file transfer and product limits.\n- [SEC codes](https://docs.crossriver.com/concepts/payments/ach/sec-codes.md): A SEC code identifies the Nacha Standard Entry Class for each ACH transaction. Enter it in the API’s secCode field; your operations support team will guide proper use.\n- [Partner-managed ACH processing](https://docs.crossriver.com/concepts/cards/issuing-models/partner-managed/partner-managed-ACH-processing.md): Partner-managed card programs using the FBO pooled account model can send and receive ACH payments through Cross River using unique prefixes to route transactions accurately.\n- [Payment types](https://docs.crossriver.com/concepts/payments/instant-payments/payment-types.md): To send or receive instant payments information about credit transfers and RfPs: funds move in real time via RTP®, FedNow®, or CRNow from debtor to creditor.\n- [Supported countries](https://docs.crossriver.com/concepts/payments/international-payments/supported-countries.md): Cross River’s international payments cover multiple countries and currencies via SWIFT, local rails, or both, with FX cutoff times and expandable country coverage.\n- [Outbound and inbound](https://docs.crossriver.com/concepts/payments/ach/outbound-and-inbound.md): ACH lets you send and receive funds electronically via the Federal Reserve network, with Cross River supporting outbound/inbound payments and Same Day or Next Day settlement.\n- [Daily balance file](https://docs.crossriver.com/concepts/cards/reporting-and-compliance/daily-balance-file.md): Daily card balance file for reconciliation and compliance, including card status, balances, lifecycle dates, transaction activity, and charge-offs.\n- [Instant payments](https://docs.crossriver.com/concepts/payments/instant-payments.md): 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.\n- [Time deposit (CD) accounts](https://docs.crossriver.com/concepts/accounts/cds.md): Certificates of deposit (CDs) are fixed-term accounts with set amounts and maturity dates. Early withdrawals usually incur a penalty.\n- [Balance and ledger models](https://docs.crossriver.com/concepts/cards/issuing-models/partner-managed/balance-and-ledger-models.md): Three partner-managed models outline how Cross River handles funds and ledgers, detailing BIN sponsorship, FBO subledgers, pooled accounts, and required daily reconciliations.\n- [SWIFT or local rail](https://docs.crossriver.com/concepts/payments/international-payments/swift-or-local-rail.md): SWIFT enables secure international payments, settling T+0/T+1 with possible fees. Local rails, like SEPA, settle T+0 to T+2 with no fees, and payees receive the full amount.\n- [Account transactions](https://docs.crossriver.com/concepts/accounts/account-transactions.md)\n- [3DS in P1](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/online-authentication/3DS-in-P1.md): EMV 3DS authentication platform for Visa Secure and Mastercard SecureCode with SCA, risk-based approvals, OTP/biometric challenges, and VCAS validation.\n- [Reconciliation and balance sync](https://docs.crossriver.com/concepts/accounts/reconciliation-balance-sync.md)\n- [Program requirements](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/advanced-authorization/program-requirements.md): To join the advanced authorization program, partners must prove operational and compliance readiness, together with technical integration capability.\n- [Implementation steps](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/digital-wallet-tokenization/implementation-steps.md): Learn how to enable card programs for Apple Pay, Google Pay, and Samsung Pay, from BIN setup and tokenization to testing and launch approvals.\n- [Monthly dispute and chargeback reporting](https://docs.crossriver.com/concepts/cards/reporting-and-compliance/monthly-dispute-chargeback-reporting.md): Monitor card transactions, disputes, chargebacks, and risk metrics to support compliance, audit readiness, consumer protection, and network threshold tracking.\n- [Integrated status and states](https://docs.crossriver.com/concepts/cards/card-lifecycle/integrated-status-and-states.md): Cross River uses card statuses and states in COS to manage lifecycle, compliance, and security, affecting transaction approvals and sending updates via webhooks.\n- [Transaction master file](https://docs.crossriver.com/concepts/cards/reporting-and-compliance/transaction-master-file.md): Daily transaction master file specification for ledger activity, fraud monitoring, and settlement reporting with CSV fields for ACH, prepaid, credit, and commercial programs.\n- [Accounts FAQ](https://docs.crossriver.com/concepts/accounts/accounts-faq.md): Discover the diverse deposit accounts offered by Cross River, including checking, savings, and FBO accounts, designed for flexible fund management and easy transactions.\n- [Subledgers](https://docs.crossriver.com/concepts/accounts/subledgers.md): In Cross River, subledgers handle all transactions before they hit the master account. Implicit subledgers ensure balances always match the master account.\n- [Interest rates](https://docs.crossriver.com/concepts/accounts/account-features/interest-rates.md): Cross River offers flat and tiered interest rates using a compounding method. Interest accrues daily and is posted monthly.\n- [Card lifecycle](https://docs.crossriver.com/concepts/cards/card-lifecycle.md): All card programs manage each card’s full lifecycle, from creation to closure, controlling use, replacement, suspension, or closure due to fraud, request, or expiration.\n- [Partner-managed lifecycle](https://docs.crossriver.com/concepts/cards/card-lifecycle/partner-managed-lifecycle.md): In partner-managed mode, partners handle the card lifecycle, ensure OFAC/PEP screening, link cards to customers, and report daily.\n- [Load customer data](https://docs.crossriver.com/concepts/cards/card-lifecycle/partner-managed-lifecycle/load-customer-data.md): Load customer data to the COS system post-KYC check, with key steps for OFAC screening and webhook updates on status outcomes.\n- [Associate beneficial owner](https://docs.crossriver.com/concepts/cards/card-lifecycle/partner-managed-lifecycle/associate-beneficial-owner.md): For business-issued cards, both the business and its cardholders have COS records. Cardholders are added as beneficial owners to link them to the business.\n- [Direct mode](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/advanced-authorization/direct-mode.md): Direct Mode lets partners approve or decline transactions in real time. Cross River oversees compliance and returns the partner’s decision if received within the required time window.\n- [Add identification](https://docs.crossriver.com/concepts/cards/card-lifecycle/partner-managed-lifecycle/add-id-details.md): Cross River adds tokenized card numbers from processors and networks to COS customer records to track card info and usage for each cardholder.\n- [Authorization controls](https://docs.crossriver.com/concepts/cards/issuing-models/integrated-issuing/issuer-processor/authorization-controls.md): Learn how a real-time card authorization control system uses ALLOW and DENY rules to restrict transactions by MCC, merchant, country, and currency.\n- [International payments](https://docs.crossriver.com/concepts/payments/international-payments.md): Cross River International Payments let you send money globally via SWIFT or local rails, with real-time updates, FX rates, compliance, and fee customization.\n- [International transactions](https://docs.crossriver.com/concepts/payments/cos-card-payments/international-transactions.md): International transactions involve cross-border or multi-currency payments. Functions include OFAC checks for compliance and FX rates for transparent currency conversion.\n- [Card payments](https://docs.crossriver.com/concepts/payments/cos-card-payments.md)\n- [Transactions and payments](https://docs.crossriver.com/concepts/payments/cos-card-payments/migration-from-p2p-to-ccp/transactions-and-payments.md)\n- [Cards and tokens](https://docs.crossriver.com/concepts/payments/cos-card-payments/migration-from-p2p-to-ccp/cards-and-tokens.md)\n- [Migration P2P to COS Card Payments](https://docs.crossriver.com/concepts/payments/cos-card-payments/migration-from-p2p-to-ccp.md)\n- [Risk detection](https://docs.crossriver.com/concepts/payments/cos-card-payments/risk-detection.md): Cross River Fraud Detection protects online payments with TVS, OFAC, AVS, ANI, and CVV2 checks to prevent fraud and secure transactions.\n- [Payment networks](https://docs.crossriver.com/concepts/payments/instant-payments/payment-networks.md): Cross River offers RTP, FedNow (external), and CRNow (internal CR) via one API, letting you send, clear, and settle payments instantly 24/7/365 with digital services support.\n- [Payment types](https://docs.crossriver.com/concepts/payments/wires/payment-types.md): Cross River wires (domestic or international) can be sent, reversed, or requested via drawdown using APIs or COS Explorer.\n- [OFAC screening](https://docs.crossriver.com/concepts/payments/cos-card-payments/ofac-screening.md): OFAC enforces US sanctions, listing high-risk individuals and organizations. Banks use it to block transactions with listed entities to prevent crimes.\n- [Instant payments FAQ](https://docs.crossriver.com/concepts/instant-payments/instant-payments-faq.md): Discover Cross River's instant payment services, offering 24/7 real-time transactions via RTP®, FedNow®, and CRNow, with efficient processing and tracking features.\n- [Payment queueing](https://docs.crossriver.com/concepts/payments/instant-payments/payment-queuing.md): If a receiving bank is offline, Cross River queues instant payments until it’s back online, so you don’t need to resend them.\n- [Outbound and inbound](https://docs.crossriver.com/concepts/payments/wires/outbound-and-inbound.md): Wire payment settlement depends on direction (inbound/outbound), type (value/ non-value), and whether the request meets your contract’s cutoff time.\n- [Remittance payments](https://docs.crossriver.com/concepts/payments/international-payments/remittance-payments.md): Remittances are consumer-initiated money transfers that must follow Regulation E while Cross River's partners meet core disclosure and refund rules.\n- [ACH](https://docs.crossriver.com/concepts/payments/ach.md): Cross River ACH lets you send or receive domestic payments individually or in batches, with Same Day or Standard settlement, following Nacha rules.\n- [Partner-managed](https://docs.crossriver.com/concepts/cards/issuing-models/partner-managed.md): In the partner-managed model, partners handle card operations and customer experience while Cross River provides BIN sponsorship, oversight, compliance, and support.\n- [Availability policies](https://docs.crossriver.com/concepts/payments/checks/availability-policies.md): Check deposit funds follow Federal Reserve Regulation CC. Cross River assigns an availability policy and schedule showing when deposited funds become available.\n- [Checks](https://docs.crossriver.com/concepts/payments/checks.md): Cross River supports check deposits and withdrawals via MDC. Deposits are outbound forward items; withdrawals are inbound forward items cleared through the Fed.\n- [Wallets and address management](https://docs.crossriver.com/concepts/onchain-payments/wallets-and-address-management.md): Discover Cross River's crypto payments API, enabling secure management of account and external beneficiary wallets for seamless USDC transactions on Ethereum and Solana.\n- [Fedwire](https://docs.crossriver.com/concepts/payments/xml-batch-payments/xml-input-file-examples/fedwire.md): Example of an XML input file for Fedwire where the PAIN standard is PAIN.001.001.03\n- [Status and error codes](https://docs.crossriver.com/concepts/payments/xml-batch-payments/status-and-error-codes.md): Cross River generates PAIN.002.001.03 XML from PAIN.001.001.03/008.001.03 inputs, providing status and error info at group, batch, and individual transaction levels.\n- [Prepare input XML file](https://docs.crossriver.com/concepts/payments/xml-batch-payments/prepare-input-xml-file.md): XML input files to Cross River must include required ISO 20022 building blocks. The topics below outline the elements needed for processing.\n- [ACH CCD/PPD](https://docs.crossriver.com/concepts/payments/xml-batch-payments/xml-input-file-examples/ach-ccd-ppd.md): Example of an XML input file for ACH CCD/PPD where the PAIN standard is PAIN.001.001.03\n- [RTP/FedNow](https://docs.crossriver.com/concepts/payments/xml-batch-payments/xml-input-file-examples/rtp-fednow.md): Example of an XML input file for RTP/FedNow where the PAIN standard is PAIN.001.001.03\n- [Output files](https://docs.crossriver.com/concepts/payments/xml-batch-payments/output-files.md): Cross River generates ISO 20022 PSRs (PAIN.002.001.03) instantly, showing transaction status, with structured elements for metadata, groups, and payments.\n- [Positive pay](https://docs.crossriver.com/concepts/payments/checks/positive-pay.md): Cross River Positive Pay prevents check fraud by allowing only authorized checks to be deposited, with statuses: Authorized, Paid, or Revoked.\n- [Transaction roles](https://docs.crossriver.com/concepts/payments/checks/transaction-roles.md): Key participants in a check transaction: issuing bank, check payer, Federal Reserve, check payee, depositing bank, and check payment services.\n- [File transfer](https://docs.crossriver.com/concepts/payments/xml-batch-payments/file-transfer.md): Cross River provides a unique SFTP for each customer to upload payment files and receive reports. Files are checked every 30 minutes; acknowledgments appear within minutes.\n- [Book transfers](https://docs.crossriver.com/concepts/payments/book-transfers.md): A Cross River book transfer moves funds between accounts. Both debit and credit must succeed. Returns a Transaction ID (GUID) and 17-char Trace number (starting with T).\n- [Onchain payments](https://docs.crossriver.com/concepts/onchain-payments.md): Discover Cross River's crypto payment solution for seamless USDC transactions across multiple blockchains, offering instant settlement, compliance oversight, and enhanced security.\n- [Supported assets and networks](https://docs.crossriver.com/concepts/onchain-payments/supported-assets-and-networks.md): Discover how Cross River enables seamless USDC transfers across Ethereum and Solana, prioritizing speed, cost, and reliability for your blockchain transactions.\n- [Loan funding](https://docs.crossriver.com/concepts/lending/loan-funding.md): Arix funding engine lets you control loan rails, order, and fallbacks. After approval, loans move to InFunding, then Funded, NotFullyFunded, or Returned.\n- [Loan data exchange](https://docs.crossriver.com/concepts/lending/loan-data-exchange.md): MPLs submit daily servicing data via SFTP, including principal/interest, next due date, and delinquency for loans held or optionally sold back.\n- [Lending FAQ](https://docs.crossriver.com/concepts/lending/lending-faq.md): Discover Cross River's lending platform, designed for marketplace lenders, detailing the loan process from application to funding, seasoning, and daily servicing requirements.\n- [PAIN.008.001.02 input file](https://docs.crossriver.com/concepts/payments/xml-batch-payments/prepare-input-xml-file/PAIN.008.001.02-input.md): A description of the input XML file for the PAIN.008.001.02 specification, which is used for ACH Direct Debit (ACH Pull) CCD and PPD payments.\n- [PAIN.001.001.03 input file](https://docs.crossriver.com/concepts/payments/xml-batch-payments/prepare-input-xml-file/PAIN.001.001.03-input.md): A description of the input XML file for the PAIN.001.001.03 format, which is used for Book transfers, ACH Push CCD/PPD, and Fedwires.\n- [Wires FAQ](https://docs.crossriver.com/concepts/wires/wires-faq.md): Discover essential insights on wire transfers at Cross River, including procedures, cutoff times, compliance, and how to track domestic and international payments efficiently.\n- [Requirements per rail](https://docs.crossriver.com/concepts/payments/xml-batch-payments/requirements-per-rail.md): Requirements per rail for sending ACH, Fedwire, book transfers, and RTP/FedNow via ISO 20022 XML. Cross River validates files, tracks status, and manages returns/holds.\n- [Loan process](https://docs.crossriver.com/concepts/lending/loan-process.md): Cross River Lending automates loan origination, compliance, funding, seasoning, and daily servicing for efficient end-to-end loan management.\n- [New in lending](https://docs.crossriver.com/concepts/lending/new-in-lending.md): Overviews of the latest features and enhancements available in Cross River’s lending program.\n- [XML batch payments](https://docs.crossriver.com/concepts/payments/xml-batch-payments.md): 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.\n- [ACH direct debit](https://docs.crossriver.com/concepts/payments/xml-batch-payments/xml-input-file-examples/ach-direct-debit.md): Example of an XML input file for ACH direct debit where the PAIN standard is PAIN.008.001.02\n- [Lending](https://docs.crossriver.com/concepts/lending.md): Cross River MPL APIs let partners preapprove applications, originate and fund loans with flexible rails, manage loan seasoning, and exchange daily servicing data.\n- [Book transfer](https://docs.crossriver.com/concepts/payments/xml-batch-payments/xml-input-file-examples/book-transfer.md): Example of an XML input file for Book Transfers where the PAIN standard is PAIN.001.001.03\n- [Deposit and withdrawal](https://docs.crossriver.com/concepts/payments/checks/send-and-receive.md): Diagrams show status and webhook flows for inbound/outbound checks. Returns: inbound if Fed returns to Cross River, outbound if Cross River returns the check.\n- [Stop payments](https://docs.crossriver.com/concepts/payments/checks/stop-payments.md): Cross River stop payments block unprocessed checks; once processed, disputes apply. Returned checks are inbound (from Fed) or outbound (from CR).\n- [Payment methods](https://docs.crossriver.com/concepts/payments/xml-batch-payments/payment-methods.md): 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.\n- [XML input file examples](https://docs.crossriver.com/concepts/payments/xml-batch-payments/xml-input-file-examples.md): XML input file examples\n- [Validation](https://docs.crossriver.com/concepts/payments/xml-batch-payments/validation.md): Cross River validates submitted XML files, checks for errors before processing, and returns reports detailing issues so you can correct and resubmit.\n- [Get started in testnet](https://docs.crossriver.com/concepts/onchain-payments/get-started-in-testnet.md): Learn how to test USDC transfers in Cross River's sandbox using Sepolia and Solana testnets, with step-by-step instructions for setup, token acquisition, and transaction verification.\n- [Send and receive](https://docs.crossriver.com/concepts/onchain-payments/send-and-receive.md): Discover Cross River’s secure crypto payments API for seamless USDC transactions, enabling efficient outbound and inbound payments through a regulated infrastructure.\n- [Use cases](https://docs.crossriver.com/concepts/onchain-payments/use-cases.md): Discover how Cross River combines traditional banking with blockchain to deliver reliable, compliant crypto payment solutions, enabling seamless transactions and liquidity management.\n- [Loan seasoning, sale or retention](https://docs.crossriver.com/concepts/lending/loan-seasoning-sale-or-retention.md): After funding, loans enter a seasoning period in Selling. MPLs can purchase the loan or opt for retention by Cross River, with flexible warehousing and pricing.\n- [Loan returns](https://docs.crossriver.com/concepts/lending/loan-returns.md): Returned ACH rails update loan status; to resubmit a returned rail call PUT /Loan/\\{Id}/FundingInfo with corrected details.\n\n## Ops and admin (/ops-and-admin)\n\n- [COS Explorer user roles](https://docs.crossriver.com/ops-and-admin/cos-explorer/user-management/user-roles.md): Use COS Explorer to manage user permissions with predefined roles, boosting security and efficiency while tailoring access to your organization’s needs.\n- [Daily ACH payments](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/daily-ach-payments.md): Procedures for managing ACH payment files in the Cross River Operating System (COS), ensuring compliance with SEC codes and NACHA regulations.\n- [Admin actions](https://docs.crossriver.com/ops-and-admin/customer-onboarding/org-management-portal/admin-actions.md)\n- [Org management portal](https://docs.crossriver.com/ops-and-admin/customer-onboarding/org-management-portal.md): The Organization Management portal, empowers admin users with secure control over clients and users, featuring SSO, role management, and IP whitelisting.\n- [COS Explorer IP whitelist](https://docs.crossriver.com/ops-and-admin/cos-explorer/ip-whitelist-allowlist.md): Learn how to access COS Explorer with a static IP address, and ensure your firewall permits essential Identity Server IPs and FQDNs for seamless connectivity.\n- [COS Explorer first-time access](https://docs.crossriver.com/ops-and-admin/cos-explorer/first-time-access.md): Simplify your onboarding to COS Explorer with our guide on setting up admin access, account verification, and managing roles for effective task management.\n- [COS product types and IDs](https://docs.crossriver.com/ops-and-admin/COS-product-types-and-ids.md): Cross River enables the creation of product types like debit cards and savings accounts, as well as a providing a product ID for each product type.\n- [Reports](https://docs.crossriver.com/ops-and-admin/reports.md): Financial reports and requirements for partnering with Cross River, including onboarding, card payment reports, credit risk metrics for effective settlements and Lending.\n- [Disclaimer](https://docs.crossriver.com/ops-and-admin/disclaimer.md): All Cross River software, systems, and site materials are provided “as is” and “as available,” without any warranties of any kind.\n- [COS Explorer user management](https://docs.crossriver.com/ops-and-admin/cos-explorer/COSE-user-management.md): Discover how organization admins efficiently manage user access to COS Explorer with tailored roles, approval processes, and essential guidelines for secure permissions.\n- [Set up SFTP](https://docs.crossriver.com/ops-and-admin/set-up-sftp.md): Securely exchange sensitive information with Cross River using SFTP; follow guidelines for IP access requests, PGP encryption, and file management for PII protection.\n- [Card payment reports](https://docs.crossriver.com/ops-and-admin/reports/card-payment-reports.md): To assist partners with financial settlement and reconciliation, Cross River provides consolidated daily reports of payment transaction and chargeback activity.\n- [Glossary](https://docs.crossriver.com/ops-and-admin/glossary.md): Explore essential financial terms and concepts in our glossary covering regulatory frameworks, payment methods, and key roles in transactions.\n- [Daily Wire payments](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/daily-wire-payments.md): The daily wire payment file drop by partner report. Use COS for both domestic and international wire transfers through the Fedwire system.\n- [COS Explorer](https://docs.crossriver.com/ops-and-admin/cos-explorer.md): Discover COS Explorer, a comprehensive web UI tool for managing banking operations in the Cross River operating system.\n- [COS Explorer organization access](https://docs.crossriver.com/ops-and-admin/cos-explorer/COSE-organization-access.md): Partner organizations must request access, complete a form, and supply static IPs and admin details to get access for their organization to COS Explorer\n- [Customer record](https://docs.crossriver.com/ops-and-admin/customer-record.md): Create and manage customer records for Cross River services, ensuring compliance with KYC/KYB regulations through effective onboarding and API integration.\n- [Accounts and payments](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments.md): Onboarding resources, including overdrawn accounts, daily activities, and transaction summaries, to enhance partner account management.\n- [Daily account activity](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/daily-account-activity.md): The Daily Account Activity report, details financial transactions to reconcile between what you requested from the COS and what COS actually processed.\n- [Daily exceptions](https://docs.crossriver.com/ops-and-admin/reports/card-payments/daily-exceptions.md): The daily exceptions report flags irregular, unprocessed, or mismatched transactions and is securely delivered via SFTP to your designated folder.\n- [Lending reports](https://docs.crossriver.com/ops-and-admin/reports/lending-reports.md): Servicing and transaction loan reports accessed via SFTP.\n- [Daily Instant Payments activity](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/daily-instant-payments-activity.md): Daily RTP transactions report for COS partners, detailing outbound and inbound payment requests, Enum values, and payment sources for effective reconciliation.\n- [Daily chargeback report](https://docs.crossriver.com/ops-and-admin/reports/card-payments/daily-chargeback-report.md): The daily chargeback report lists new and updated cases for review and management, securely delivered via SFTP to your assigned folder.\n- [Credit risk data reports](https://docs.crossriver.com/ops-and-admin/reports/credit-risk-data-reports.md): Monthly credit risk metrics submission guidelines for Cross River partners: CSV format requirements, SFTP access, and key metrics tracking for effective reporting.\n- [Cross River access troubleshooting](https://docs.crossriver.com/ops-and-admin/customer-onboarding/org-management-portal/access-troubleshooting.md): Troubleshoot COS Explorer access issues including firewall restrictions, MFA code errors, password resets, and account lockouts.\n- [COS Explorer access troubleshooting](https://docs.crossriver.com/ops-and-admin/cos-explorer/COSE-access-troubleshooting.md): Troubleshoot COS Explorer access issues including firewall restrictions, MFA code errors, password resets, and account lockouts.\n- [COS terms](https://docs.crossriver.com/ops-and-admin/cos-terms.md): Discover the COS (Cross River Operating System), an API framework that streamlines fintech operations with unique identifiers for secure partner interactions and efficient banking tasks.\n- [Overdrawn account](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/overdrawn-account.md): The Overdrawn Account Report from COS, details daily account overdrafts, essential customer info, and notifications for partners.\n- [Webhooks report](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/webhooks.md): Report details for the \"Webhook Events Export File Drop By Partner\" report for detailed insights on webhook events.\n- [Daily settlement (summary)](https://docs.crossriver.com/ops-and-admin/reports/card-payments/daily-settlement-summary.md): Daily pre-settlement reports match payments to transaction batches and show balances and partner activity, reflecting settlements to be transferred that day.\n- [Configure SSO](https://docs.crossriver.com/ops-and-admin/customer-onboarding/org-management-portal/configure-sso.md): Access Cross River applications with your own SSO (Single Sign On) login system, supporting OIDC and SAML easily through our Org Management portal.\n- [Initial access registration](https://docs.crossriver.com/ops-and-admin/customer-onboarding/org-management-portal/sign-in-and-security.md): Register and set up accounts on Cross River's Identity Server, including MFA setup, password management, IP whitelisting, and troubleshooting.\n- [Daily settlement (detailed)](https://docs.crossriver.com/ops-and-admin/reports/card-payments/daily-settlement-detailed.md): Daily pre-settlement reports match payments to their transaction batches, giving a detailed breakdown of all transactions within your chosen date range.\n- [COS reports setup](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/cos-reports-setup.md): How to onboard to receive COS reports, SFTP setup, report generation, naming conventions, and access configurations.\n- [Daily account balance](https://docs.crossriver.com/ops-and-admin/reports/accounts-and-payments/daily-account-balance.md): The Daily Account Balance by Partner report provides a snapshot of account balances for all master accounts to reconcile daily balances between partner systems and COS.\n- [Ops and admin intro](https://docs.crossriver.com/ops-and-admin.md): Operational guide for onboarding and daily workflows, covering COS Explorer, Org Management, Cross River reports, and secure SFTP setup.\n- [Customer onboarding](https://docs.crossriver.com/ops-and-admin/customer-onboarding.md): Manage your customer information in the Cross River operating system (COS), including creating a customer record, using either APIs or COS Explorer.\n\n## Tutorials (/tutorials)\n\n- [Withdraw CD funds early](https://docs.crossriver.com/tutorials/api/accounts/withdraw-cd-funds-early.md): Demonstrates requesting an early withdrawal and determining how much to withdraw from the account after the penalty fee is deducted\n- [Find ACH payment](https://docs.crossriver.com/tutorials/cos-explorer/ach/find-ach-payment.md)\n- [Customer management](https://docs.crossriver.com/tutorials/api/customer-management.md): Step-by-step walkthroughs for customer APIs: onboarding, updating, beneficial owners, identity docs.\n- [Accounts](https://docs.crossriver.com/tutorials/api/accounts.md): Guides for account APIs: opening accounts, managing subledgers, and CD withdrawals using Cross River account endpoints.\n- [Tutorials](https://docs.crossriver.com/tutorials.md)\n- [Open a subledger](https://docs.crossriver.com/tutorials/api/accounts/open-a-subledger.md): Step-by-step creation of a subledger with POST core/v1/dda/subaccounts, linking to master account.\n- [Simulate an inbound wire](https://docs.crossriver.com/tutorials/api/wires/simulate-an-inbound-wire.md): Walkthrough using wire simulation endpoint for incoming wires.\n- [Fund a sandbox account](https://docs.crossriver.com/tutorials/fund-a-sandbox-account.md)\n- [Get service info](https://docs.crossriver.com/tutorials/api/instant-payments/get-service-info.md): Identify which Instant Payments receive services are available to creditor banks through RTP® via TCH or FedNow®.\n- [Card payments](https://docs.crossriver.com/tutorials/api/card-payments.md): Introduces push/pull transactions, iframe setup, and payment flows.\n- [Add a beneficial owner](https://docs.crossriver.com/tutorials/api/customer-management/add-a-beneficial-owner.md): Demonstrates adding ownership info via POST /core/v1/cm/customers/\\{customerid}/beneficial-owners.\n- [Simulate card management](https://docs.crossriver.com/tutorials/api/cards/simulate-card-management.md): Guides simulating authorizations, clearings, reversals, etc., via card simulation APIs.\n- [Onboard a customer](https://docs.crossriver.com/tutorials/api/customer-management/onboard-a-customer.md): Describes the customer onboarding process and includes creating a customer record and adding relevant customer information.\n- [Send an instant payment](https://docs.crossriver.com/tutorials/api/instant-payments/send-an-instant-payment.md): Originate an instant payment credit transfer from your master account and simulate a rejected credit transfer.\n- [Set payment expiration](https://docs.crossriver.com/tutorials/api/instant-payments/set-payment-expiration.md): Guide setting expiration on payment requests before they’re accepted. Set an expiration time for how long a payment remains in the queue before being cancelled.\n- [Open an account](https://docs.crossriver.com/tutorials/api/accounts/open-an-account.md): Walkthrough for POST core/v1/dda/accounts showing required fields and example responses.\n- [Instant payments](https://docs.crossriver.com/tutorials/api/instant-payments.md): Walkthroughs covering real-time payments flows (RTP, FedNow, CRNow), service info (RTP or FedNow), expirations, returns, and fraud reporting.\n- [ACH](https://docs.crossriver.com/tutorials/api/ach.md): Guides for ACH operations: payments, batches, reversals, simulations.\n- [Wires](https://docs.crossriver.com/tutorials/api/wires.md): Guides on wire operations: sending, drawdowns, responses, simulations.\n- [Create a card](https://docs.crossriver.com/tutorials/api/cards/create-a-card.md): How to create and order a new card for a customer/account\n- [Activate a card](https://docs.crossriver.com/tutorials/api/cards/activate-a-card.md): Activate a debit card with APIs using the card ID\n- [API tutorials](https://docs.crossriver.com/tutorials/api-tutorials.md): A list of the API tutorials that Cross River offers.\n- [Add identification](https://docs.crossriver.com/tutorials/api/customer-management/add-id-details.md): Guides adding identity documents via POST /core/v1/cm/customers/\\{customerId}/identifications, including types and issuing info\n- [Send card payments](https://docs.crossriver.com/tutorials/api/cos-card-payments/send-card-payments.md): Create a card token and send push or pull payments using COS Card Payments APIs.\n- [Send an ACH](https://docs.crossriver.com/tutorials/api/ach/send-an-ach.md): Demonstrates originating a push payment, monitoring the status of the payment and handling notifications of change to the outbound payment (rejected, returned, NOC).\n- [Manage account restrictions](https://docs.crossriver.com/tutorials/ukmx-manage-account-restrictions.md)\n- [Initiate payment](https://docs.crossriver.com/tutorials/cos-explorer/cos-card-payments/initiate-payment.md)\n- [Create card token](https://docs.crossriver.com/tutorials/cos-explorer/cos-card-payments/create-card-token.md)\n- [Find an account](https://docs.crossriver.com/tutorials/find-an-account.md)\n- [Originate drawdown](https://docs.crossriver.com/tutorials/cos-explorer/wires/originate-drawdown.md)\n- [Manage reversal flow](https://docs.crossriver.com/tutorials/cos-explorer/ach/manage-reversal-flow.md)\n- [Find a customer](https://docs.crossriver.com/tutorials/cos-explorer/customer-management/find-a-customer.md)\n- [Send a Wire](https://docs.crossriver.com/tutorials/cos-explorer/wires/send-a-wire.md): Learn how to initiate a wire transfer on the COS Explorer platform with this step-by-step tutorial, covering essential information and processing guidelines.\n- [ACH](https://docs.crossriver.com/tutorials/cos-explorer/ach.md)\n- [Find a Wire](https://docs.crossriver.com/tutorials/cos-explorer/wires/find-a-wire.md): Discover how to efficiently locate specific wire payments using COS Explorer, with tips on gathering essential information and navigating the search features.\n- [Cancel an ACH](https://docs.crossriver.com/tutorials/cos-explorer/ach/cancel-an-ach.md)\n- [Find a card token](https://docs.crossriver.com/tutorials/cos-explorer/cos-card-payments/find-a-card-token.md): Discover how to effectively use COS Explorer to track Instant Payments with our comprehensive tutorial, detailing prerequisites, search methods, and payment insights.\n- [COS Explorer tutorials](https://docs.crossriver.com/tutorials/cos-explorer-tutorials.md): A list of the COS Explorer tutorials that Cross River offers.\n- [Customer management](https://docs.crossriver.com/tutorials/cos-explorer/customer-management.md)\n- [Wires](https://docs.crossriver.com/tutorials/cos-explorer/wires.md)\n- [Instant payments](https://docs.crossriver.com/tutorials/cos-explorer/instant-payments.md)\n- [Create customer](https://docs.crossriver.com/tutorials/cos-explorer/customer-management/create-customer.md)\n- [Return requests](https://docs.crossriver.com/tutorials/cos-explorer/wires/return-requests.md): Discover essential guidance for handling return requests in the COS Explorer system, including payment types, codes, and step-by-step response instructions.\n- [Send an Instant Payment](https://docs.crossriver.com/tutorials/cos-explorer/instant-payments/send-an-instant-payment.md): Learn how to send Instant Payments using COS Explorer with this comprehensive guide on prerequisites, steps, and required information for a smooth transaction.\n- [Find a payment](https://docs.crossriver.com/tutorials/cos-explorer/cos-card-payments/find-a-payment.md): Discover how to effectively use COS Explorer to track Instant Payments with our comprehensive tutorial, detailing prerequisites, search methods, and payment insights.\n- [Investigation requests](https://docs.crossriver.com/tutorials/cos-explorer/wires/investigation-requests.md)\n- [COS card payments](https://docs.crossriver.com/tutorials/cos-explorer/cos-card-payments.md)\n- [Open a subledger](https://docs.crossriver.com/tutorials/open-a-subledger.md)\n- [Create payment template](https://docs.crossriver.com/tutorials/cos-explorer/wires/create-payment-template.md): Discover how to effectively manage payment templates for wire transfers with Cross River, covering creation, usage, access, and deletion for streamlined payments.\n- [Find a subledger](https://docs.crossriver.com/tutorials/find-a-subledger.md)\n- [Close a subledger](https://docs.crossriver.com/tutorials/close-a-subledger.md)\n- [Accounts](https://docs.crossriver.com/tutorials/cos-explorer/accounts.md): Create and manage bank accounts from COS Explorer's Accounts screen in the Core tab.\n- [Find an Instant Payment](https://docs.crossriver.com/tutorials/cos-explorer/instant-payments/find-an-instant-payment.md): Discover how to effectively use COS Explorer to track Instant Payments with our comprehensive tutorial, detailing prerequisites, search methods, and payment insights.\n- [Manage account restrictions](https://docs.crossriver.com/tutorials/manage-account-restrictions.md)\n- [International payments](https://docs.crossriver.com/tutorials/api/international-payments.md)\n- [Send a drawdown request](https://docs.crossriver.com/tutorials/api/wires/send-a-drawdown-request.md): Guide to sending a wire drawdown request.\n- [Send a client batch](https://docs.crossriver.com/tutorials/api/ach/send-a-client-batch.md): Guides for registering the relevant webhooks, submitting a client batch of payments and cancelling the batch.\n- [Send an ACH](https://docs.crossriver.com/tutorials/cos-explorer/ach/send-an-ach.md)\n- [International payments](https://docs.crossriver.com/tutorials/cos-explorer/international-payments.md)\n- [Checks](https://docs.crossriver.com/tutorials/api/checks.md): Step-by-step for check deposit, rejection handling, viewing images, analysis, and check fraud flows.\n- [Send and cancel a wire payment](https://docs.crossriver.com/tutorials/api/wires/send-and-cancel-a-wire-payment.md): Guide for originating an outbound wire transfer, cancelling an outbound wire transfer and originating an outbound international wire transfer.\n- [Fraud reporting](https://docs.crossriver.com/tutorials/api/payments/instant-payments/fraud-reporting.md): Covers reporting fraud events in instant payment flows via designated endpoint.\n- [Cancel a Wire](https://docs.crossriver.com/tutorials/cos-explorer/wires/cancel-a-wire.md): Learn how to efficiently cancel a wire payment using COS Explorer with our step-by-step instructions, ensuring your transfer is in \"Hold\" status before proceeding.\n- [Simulate inbound ACH](https://docs.crossriver.com/tutorials/api/ach/simulate-inbound-ach.md): Walkthrough simulating incoming ACH via test tools.\n- [Setup](https://docs.crossriver.com/tutorials/setup.md): Get started by consulting the Quickstart guide, utilizing sandbox environments for testing, and leveraging webhooks for real-time updates.\n- [Cards](https://docs.crossriver.com/tutorials/api/cards.md): Guides for card operations: issuance, activation, simulating transactions via cards API.\n- [Book transfer](https://docs.crossriver.com/tutorials/cos-explorer/book-transfer.md): Learn to transfer funds using COS Explorer with step-by-step instructions, ensuring proper credentials and details for a smooth transaction process.\n- [Authorization](https://docs.crossriver.com/tutorials/cos-explorer/wires/authorization.md): Learn how to set up \"Partner Wire Approvers\" and manage the wire authorization process in COS Explorer, ensuring secure dual approvals and efficient transaction handling.\n- [Respond to a drawdown request](https://docs.crossriver.com/tutorials/api/wires/respond-to-a-drawdown-request.md): Demonstrates approving or rejecting wire drawdown request.\n- [Manage return flow](https://docs.crossriver.com/tutorials/cos-explorer/instant-payments/manage-return-flow.md): Demonstrates returning and responding to returns in RTP flow.",
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      "title": "Add missing Open Graph tags",
      "description": "Open Graph tags control how your page looks when shared on social media and how AI platforms preview your URL in answers.",
      "language": "html",
      "code": "<meta property=\"og:image\" content=\"https://yoursite.com/og-image.jpg\">\n<meta property=\"og:url\" content=\"https://docs.crossriver.com\">\n<meta property=\"og:type\" content=\"website\">",
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          "id": "html",
          "label": "HTML <head>",
          "language": "html",
          "filename": "<head>",
          "code": "<meta property=\"og:image\" content=\"https://yoursite.com/og-image.jpg\">\n<meta property=\"og:url\" content=\"https://docs.crossriver.com\">\n<meta property=\"og:type\" content=\"website\">"
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          "id": "wordpress",
          "label": "WordPress",
          "language": "php",
          "filename": "functions.php",
          "code": "<?php\n// Quick Open Graph tags without a plugin (skip if Yoast / Rank Math is active)\nadd_action('wp_head', function () {\n    if (!is_singular()) return;\n    $post = get_queried_object();\n    $title = get_the_title($post);\n    $desc  = get_the_excerpt($post) ?: wp_trim_words(strip_tags($post->post_content), 30);\n    $image = get_the_post_thumbnail_url($post, 'large') ?: 'https://yoursite.com/og-image.jpg';\n    $url   = get_permalink($post);\n    printf('<meta property=\"og:title\" content=\"%s\">' . \"\\n\", esc_attr($title));\n    printf('<meta property=\"og:description\" content=\"%s\">' . \"\\n\", esc_attr($desc));\n    printf('<meta property=\"og:image\" content=\"%s\">' . \"\\n\", esc_url($image));\n    printf('<meta property=\"og:url\" content=\"%s\">' . \"\\n\", esc_url($url));\n    echo '<meta property=\"og:type\" content=\"article\">' . \"\\n\";\n}, 5);"
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          "language": "typescript",
          "filename": "app/page.tsx",
          "code": "// Next.js App Router — Metadata API\nimport type { Metadata } from 'next';\n\nexport const metadata: Metadata = {\n  title: \"Welcome - Get started\",\n  description: \"Explore Cross River docs for our quick guides, APIs and tutorials. Get started fast and make the most of our banking platform.\",\n  openGraph: {\n    title: \"Welcome - Get started\",\n    description: \"Explore Cross River docs for our quick guides, APIs and tutorials. Get started fast and make the most of our banking platform.\",\n    url: \"https://docs.crossriver.com\",\n    images: [\"https://yoursite.com/og-image.jpg\"],\n    type: 'website',\n  },\n};"
        }
      ]
    },
    {
      "id": "add_canonical_url",
      "title": "Add canonical URL",
      "description": "The canonical URL tells AI agents which version of the page is the \"official\" one, avoiding duplicate content issues.",
      "language": "html",
      "code": "<link rel=\"canonical\" href=\"https://docs.crossriver.com\">",
      "filename": "<head>"
    },
    {
      "id": "add_schema_org",
      "title": "Add Schema.org JSON-LD",
      "description": "Structured data helps AI agents understand the type, author, and purpose of your content.",
      "language": "html",
      "code": "<script type=\"application/ld+json\">\n{\n  \"@context\": \"https://schema.org\",\n  \"@type\": \"WebPage\",\n  \"name\": \"Welcome - Get started\",\n  \"description\": \"Explore Cross River docs for our quick guides, APIs and tutorials. Get started fast and make the most of our banking platform.\",\n  \"url\": \"https://docs.crossriver.com\",\n  \"inLanguage\": \"en\"\n}\n</script>",
      "filename": "<head>"
    },
    {
      "id": "add_article_main",
      "title": "Wrap content in <main> and <article>",
      "description": "Semantic HTML landmarks help AI agents identify the main content of your page.",
      "language": "html",
      "code": "<main>\n  <article>\n    <h1>Your Page Title</h1>\n    <p>Your content here...</p>\n  </article>\n</main>",
      "filename": "<body>"
    },
    {
      "id": "add_content_signals",
      "title": "Add Content-Signal directives",
      "description": "Content-Signal tells AI agents how they may use your content. The canonical location is robots.txt, but you can also expose it as an HTTP header from any stack.",
      "language": "txt",
      "code": "User-agent: *\nContent-Signal: search=yes, ai-input=yes, ai-train=no",
      "filename": "/robots.txt",
      "stacks": [
        {
          "id": "robots",
          "label": "robots.txt",
          "language": "txt",
          "filename": "/robots.txt",
          "code": "User-agent: *\nContent-Signal: search=yes, ai-input=yes, ai-train=no"
        },
        {
          "id": "nginx",
          "label": "Nginx",
          "language": "nginx",
          "filename": "server block",
          "code": "# Inside your server { } block:\nadd_header Content-Signal \"search=yes, ai-input=yes, ai-train=no\" always;"
        },
        {
          "id": "apache",
          "label": "Apache",
          "language": "apache",
          "filename": ".htaccess",
          "code": "# In .htaccess (or VirtualHost):\nHeader set Content-Signal \"search=yes, ai-input=yes, ai-train=no\""
        },
        {
          "id": "wordpress",
          "label": "WordPress",
          "language": "php",
          "filename": "functions.php",
          "code": "<?php\n// In your theme's functions.php or a small mu-plugin\nadd_action('send_headers', function () {\n    header('Content-Signal: search=yes, ai-input=yes, ai-train=no');\n});\n\n// Optional: also append the directive to the dynamic robots.txt\nadd_filter('robots_txt', function ($output) {\n    return $output . \"\\nContent-Signal: search=yes, ai-input=yes, ai-train=no\\n\";\n}, 10, 1);"
        },
        {
          "id": "nextjs",
          "label": "Next.js",
          "language": "typescript",
          "filename": "middleware.ts",
          "code": "// middleware.ts (Next.js 13+ App Router or Pages Router)\nimport { NextResponse } from 'next/server';\nexport function middleware() {\n  const res = NextResponse.next();\n  res.headers.set(\n    'Content-Signal',\n    'search=yes, ai-input=yes, ai-train=no'\n  );\n  return res;\n}\nexport const config = { matcher: '/:path*' };"
        },
        {
          "id": "cloudflare",
          "label": "Cloudflare Workers",
          "language": "javascript",
          "filename": "worker.js",
          "code": "// Cloudflare Worker that proxies your origin and adds the header\nexport default {\n  async fetch(request, env, ctx) {\n    const res = await fetch(request);\n    const newRes = new Response(res.body, res);\n    newRes.headers.set(\n      'Content-Signal',\n      'search=yes, ai-input=yes, ai-train=no'\n    );\n    return newRes;\n  },\n};"
        },
        {
          "id": "express",
          "label": "Express / Fastify",
          "language": "javascript",
          "filename": "server.js",
          "code": "// Express\napp.use((req, res, next) => {\n  res.setHeader('Content-Signal', 'search=yes, ai-input=yes, ai-train=no');\n  next();\n});\n\n// Fastify\nfastify.addHook('onSend', (request, reply, payload, done) => {\n  reply.header('Content-Signal', 'search=yes, ai-input=yes, ai-train=no');\n  done();\n});"
        }
      ]
    },
    {
      "id": "add_markdown_negotiation",
      "title": "Support Markdown for Agents",
      "description": "Let AI agents request a clean Markdown version of any page via content negotiation, .md alternate URLs, link tags or Link headers.",
      "language": "html",
      "code": "<!-- Mechanism 3: link tag advertising the .md alternate -->\n<link rel=\"alternate\" type=\"text/markdown\" href=\"/page.md\">",
      "filename": "<head>",
      "stacks": [
        {
          "id": "html",
          "label": "HTML <head>",
          "language": "html",
          "filename": "<head>",
          "code": "<!-- Mechanism 3: link tag advertising the .md alternate -->\n<link rel=\"alternate\" type=\"text/markdown\" href=\"/page.md\">"
        },
        {
          "id": "express",
          "label": "Express",
          "language": "javascript",
          "filename": "server.js",
          "code": "// Mechanisms 1 + 4: content negotiation + Link header\napp.get('/page', (req, res) => {\n  res.setHeader('Vary', 'Accept');\n  res.setHeader('Link', '</page.md>; rel=\"alternate\"; type=\"text/markdown\"');\n  if ((req.headers.accept || '').includes('text/markdown')) {\n    res.type('text/markdown; charset=utf-8');\n    return res.send(renderMarkdown('page'));\n  }\n  res.render('page');\n});"
        },
        {
          "id": "fastify",
          "label": "Fastify",
          "language": "javascript",
          "filename": "server.js",
          "code": "// Mechanisms 1 + 4: content negotiation + Link header\nfastify.get('/page', async (req, reply) => {\n  reply.header('Vary', 'Accept');\n  reply.header('Link', '</page.md>; rel=\"alternate\"; type=\"text/markdown\"');\n  if ((req.headers.accept || '').includes('text/markdown')) {\n    return reply.type('text/markdown; charset=utf-8').send(renderMarkdown('page'));\n  }\n  return reply.view('/page.ejs');\n});"
        },
        {
          "id": "nextjs",
          "label": "Next.js",
          "language": "typescript",
          "filename": "app/page/route.ts",
          "code": "// Next.js App Router — Route Handler returning Markdown\nimport { NextRequest } from 'next/server';\nimport { renderMarkdown } from '@/lib/md';\nexport async function GET(req: NextRequest) {\n  const accept = req.headers.get('accept') || '';\n  if (accept.includes('text/markdown')) {\n    return new Response(await renderMarkdown('page'), {\n      headers: {\n        'Content-Type': 'text/markdown; charset=utf-8',\n        'Vary': 'Accept',\n      },\n    });\n  }\n  // Fall through to the page component\n  return new Response(null, { status: 404 });\n}"
        },
        {
          "id": "wordpress",
          "label": "WordPress",
          "language": "php",
          "filename": "functions.php",
          "code": "<?php\n// Mechanism 1: respond to Accept: text/markdown on the same URL\nadd_action('template_redirect', function () {\n    if (!is_singular()) return;\n    $accept = $_SERVER['HTTP_ACCEPT'] ?? '';\n    if (strpos($accept, 'text/markdown') === false) return;\n    header('Content-Type: text/markdown; charset=utf-8');\n    header('Vary: Accept');\n    $post = get_queried_object();\n    echo \"# \" . get_the_title($post) . \"\\n\\n\";\n    echo wp_strip_all_tags(apply_filters('the_content', $post->post_content));\n    exit;\n});"
        },
        {
          "id": "static",
          "label": "Hugo / Jekyll / Astro",
          "language": "txt",
          "filename": "static/page.md",
          "code": "# Mechanism 2: serve .md alongside .html\n# Hugo: place page.md in /static/ — built unchanged\n# Jekyll: drop page.md in /assets/ — copied as-is\n# Astro: src/pages/page.md.ts that exports a GET returning markdown\n\n# Then advertise with mechanism 3 in <head>:\n#   <link rel=\"alternate\" type=\"text/markdown\" href=\"/page.md\">"
        }
      ]
    }
  ]
}

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