FEDNOW

The Federal Reserve's instant payment rail. Used for instant transfers in the USA.

FedNow is the Federal Reserve's instant payment service, enabling real-time 24/7 bank-to-bank transfers in the USA. Funds settle in seconds, not days.

Country: USA | Currency: USD | Direction: Pay-in / Pay-out

Required fields

Field	Type	Description
type	string	Must be "FEDNOW"
currency	string	Must be "USD"
fedNow.bank.accountNumber	string	Bank account number
fedNow.routingNumber	string	9-digit ABA routing number
fedNow.customer.firstName	string	Account holder's first name
fedNow.customer.lastName	string	Account holder's last name
fedNow.customer.email	string	Account holder's email
fedNow.customer.documentNumber	string	SSN or ITIN
fedNow.customer.documentType	string	Document type

Example

{
  "type": "FEDNOW",
  "currency": "USD",
  "fedNow": {
    "routingNumber": "021000021",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "Michael",
      "lastName": "Johnson",
      "email": "[email protected]",
      "documentType": "SSN",
      "documentNumber": "123456789"
    }
  }
}

Schema

The fednow object

Attributes

routingNumberstringRequired

ABA routing number (9 digits).

accountNumberstringRequired

Bank account number.

accountTypestring · enumOptional

Account type (CHECKING or SAVINGS).

Possible values:

The fednow object

{
  "routingNumber": "text",
  "accountNumber": "text",
  "accountType": "CHECKING",
  "customer": {
    "id": "text",
    "firstName": "text",
    "email": "text",
    "lastName": "text",
    "phoneNumber": "text",
    "phoneNumberPrefix": "text",
    "documentType": "text",
    "documentNumber": "text",
    "address": {
      "administrativeAreaLevel1": "text",
      "administrativeAreaLevel2": "text",
      "administrativeAreaLevel3": "text",
      "street": "text",
      "streetNumber": "text",
      "optionalAddress": "text",
      "country": "text",
      "zipcode": "text"
    }
  }
}