Create a FedNow Payment

curl --request POST \
  --url https://api.treasuryprime.com/fednow \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "account_id": "123456",
  "amount": "100.00",
  "external_account_number": "123456789",
  "external_name": "Jane Doe",
  "external_routing_number": "000000000",
  "memo": "Invoice #053",
  "originator_name": "John Doe",
  "security_context": {
    "device_id": "2f4a3f0005614323a61ac09918d29129",
    "ip_address": "127.0.0.1",
    "user_agent": "Mozilla/5.0"
  }
}
'

import requests

url = "https://api.treasuryprime.com/fednow"

payload = {
    "account_id": "123456",
    "amount": "100.00",
    "external_account_number": "123456789",
    "external_name": "Jane Doe",
    "external_routing_number": "000000000",
    "memo": "Invoice #053",
    "originator_name": "John Doe",
    "security_context": {
        "device_id": "2f4a3f0005614323a61ac09918d29129",
        "ip_address": "127.0.0.1",
        "user_agent": "Mozilla/5.0"
    }
}
headers = {
    "Authorization": "Basic <encoded-value>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Basic <encoded-value>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    account_id: '123456',
    amount: '100.00',
    external_account_number: '123456789',
    external_name: 'Jane Doe',
    external_routing_number: '000000000',
    memo: 'Invoice #053',
    originator_name: 'John Doe',
    security_context: {
      device_id: '2f4a3f0005614323a61ac09918d29129',
      ip_address: '127.0.0.1',
      user_agent: 'Mozilla/5.0'
    }
  })
};

fetch('https://api.treasuryprime.com/fednow', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.treasuryprime.com/fednow",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'account_id' => '123456',
    'amount' => '100.00',
    'external_account_number' => '123456789',
    'external_name' => 'Jane Doe',
    'external_routing_number' => '000000000',
    'memo' => 'Invoice #053',
    'originator_name' => 'John Doe',
    'security_context' => [
        'device_id' => '2f4a3f0005614323a61ac09918d29129',
        'ip_address' => '127.0.0.1',
        'user_agent' => 'Mozilla/5.0'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Basic <encoded-value>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.treasuryprime.com/fednow"

	payload := strings.NewReader("{\n  \"account_id\": \"123456\",\n  \"amount\": \"100.00\",\n  \"external_account_number\": \"123456789\",\n  \"external_name\": \"Jane Doe\",\n  \"external_routing_number\": \"000000000\",\n  \"memo\": \"Invoice #053\",\n  \"originator_name\": \"John Doe\",\n  \"security_context\": {\n    \"device_id\": \"2f4a3f0005614323a61ac09918d29129\",\n    \"ip_address\": \"127.0.0.1\",\n    \"user_agent\": \"Mozilla/5.0\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Basic <encoded-value>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.treasuryprime.com/fednow")
  .header("Authorization", "Basic <encoded-value>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_id\": \"123456\",\n  \"amount\": \"100.00\",\n  \"external_account_number\": \"123456789\",\n  \"external_name\": \"Jane Doe\",\n  \"external_routing_number\": \"000000000\",\n  \"memo\": \"Invoice #053\",\n  \"originator_name\": \"John Doe\",\n  \"security_context\": {\n    \"device_id\": \"2f4a3f0005614323a61ac09918d29129\",\n    \"ip_address\": \"127.0.0.1\",\n    \"user_agent\": \"Mozilla/5.0\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.treasuryprime.com/fednow")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Basic <encoded-value>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_id\": \"123456\",\n  \"amount\": \"100.00\",\n  \"external_account_number\": \"123456789\",\n  \"external_name\": \"Jane Doe\",\n  \"external_routing_number\": \"000000000\",\n  \"memo\": \"Invoice #053\",\n  \"originator_name\": \"John Doe\",\n  \"security_context\": {\n    \"device_id\": \"2f4a3f0005614323a61ac09918d29129\",\n    \"ip_address\": \"127.0.0.1\",\n    \"user_agent\": \"Mozilla/5.0\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "account_id": "acct_11kpbg3r130zjwr",
  "amount": "100.00",
  "bank_id": "bank_acme",
  "created_at": "2024-01-01T00:00:00Z",
  "currency": "USD",
  "description": "FedNow transfer 202503243211779688172026683739635",
  "error": null,
  "external_account_number": "123456789",
  "external_name": "John Doe",
  "external_reject_reason": null,
  "external_routing_number": "987654321",
  "external_status": "pending",
  "fed_settlement_date": "2024-01-01",
  "id": "fednow_11ky35224fez5zb",
  "memo": "Cherry trees",
  "org_id": "org_acme",
  "originator_name": "Jane Doe",
  "payment_id": "202503243211779688172026683739635",
  "payment_type": "debit",
  "related_fednow_ids": [
    "202503243211779688172026683739633",
    "202503243211779688172026683739634"
  ],
  "security_context": {
    "device_id": "a1b2c3d4e5f6",
    "ip_address": "192.168.1.1",
    "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7)"
  },
  "status": "pending",
  "transaction_id": "20250324021000021A1B2C3D4E5F6G7H8IJ",
  "uetr": "eb6305c9-1f7f-49de-aed0-16487c27b42d",
  "updated_at": "2024-01-01T00:00:00Z"
}

POST

fednow

Create a FedNow Payment

curl --request POST \
  --url https://api.treasuryprime.com/fednow \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "account_id": "123456",
  "amount": "100.00",
  "external_account_number": "123456789",
  "external_name": "Jane Doe",
  "external_routing_number": "000000000",
  "memo": "Invoice #053",
  "originator_name": "John Doe",
  "security_context": {
    "device_id": "2f4a3f0005614323a61ac09918d29129",
    "ip_address": "127.0.0.1",
    "user_agent": "Mozilla/5.0"
  }
}
'

import requests

url = "https://api.treasuryprime.com/fednow"

payload = {
    "account_id": "123456",
    "amount": "100.00",
    "external_account_number": "123456789",
    "external_name": "Jane Doe",
    "external_routing_number": "000000000",
    "memo": "Invoice #053",
    "originator_name": "John Doe",
    "security_context": {
        "device_id": "2f4a3f0005614323a61ac09918d29129",
        "ip_address": "127.0.0.1",
        "user_agent": "Mozilla/5.0"
    }
}
headers = {
    "Authorization": "Basic <encoded-value>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Basic <encoded-value>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    account_id: '123456',
    amount: '100.00',
    external_account_number: '123456789',
    external_name: 'Jane Doe',
    external_routing_number: '000000000',
    memo: 'Invoice #053',
    originator_name: 'John Doe',
    security_context: {
      device_id: '2f4a3f0005614323a61ac09918d29129',
      ip_address: '127.0.0.1',
      user_agent: 'Mozilla/5.0'
    }
  })
};

fetch('https://api.treasuryprime.com/fednow', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.treasuryprime.com/fednow",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'account_id' => '123456',
    'amount' => '100.00',
    'external_account_number' => '123456789',
    'external_name' => 'Jane Doe',
    'external_routing_number' => '000000000',
    'memo' => 'Invoice #053',
    'originator_name' => 'John Doe',
    'security_context' => [
        'device_id' => '2f4a3f0005614323a61ac09918d29129',
        'ip_address' => '127.0.0.1',
        'user_agent' => 'Mozilla/5.0'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Basic <encoded-value>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.treasuryprime.com/fednow"

	payload := strings.NewReader("{\n  \"account_id\": \"123456\",\n  \"amount\": \"100.00\",\n  \"external_account_number\": \"123456789\",\n  \"external_name\": \"Jane Doe\",\n  \"external_routing_number\": \"000000000\",\n  \"memo\": \"Invoice #053\",\n  \"originator_name\": \"John Doe\",\n  \"security_context\": {\n    \"device_id\": \"2f4a3f0005614323a61ac09918d29129\",\n    \"ip_address\": \"127.0.0.1\",\n    \"user_agent\": \"Mozilla/5.0\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Basic <encoded-value>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.treasuryprime.com/fednow")
  .header("Authorization", "Basic <encoded-value>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_id\": \"123456\",\n  \"amount\": \"100.00\",\n  \"external_account_number\": \"123456789\",\n  \"external_name\": \"Jane Doe\",\n  \"external_routing_number\": \"000000000\",\n  \"memo\": \"Invoice #053\",\n  \"originator_name\": \"John Doe\",\n  \"security_context\": {\n    \"device_id\": \"2f4a3f0005614323a61ac09918d29129\",\n    \"ip_address\": \"127.0.0.1\",\n    \"user_agent\": \"Mozilla/5.0\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.treasuryprime.com/fednow")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Basic <encoded-value>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_id\": \"123456\",\n  \"amount\": \"100.00\",\n  \"external_account_number\": \"123456789\",\n  \"external_name\": \"Jane Doe\",\n  \"external_routing_number\": \"000000000\",\n  \"memo\": \"Invoice #053\",\n  \"originator_name\": \"John Doe\",\n  \"security_context\": {\n    \"device_id\": \"2f4a3f0005614323a61ac09918d29129\",\n    \"ip_address\": \"127.0.0.1\",\n    \"user_agent\": \"Mozilla/5.0\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "account_id": "acct_11kpbg3r130zjwr",
  "amount": "100.00",
  "bank_id": "bank_acme",
  "created_at": "2024-01-01T00:00:00Z",
  "currency": "USD",
  "description": "FedNow transfer 202503243211779688172026683739635",
  "error": null,
  "external_account_number": "123456789",
  "external_name": "John Doe",
  "external_reject_reason": null,
  "external_routing_number": "987654321",
  "external_status": "pending",
  "fed_settlement_date": "2024-01-01",
  "id": "fednow_11ky35224fez5zb",
  "memo": "Cherry trees",
  "org_id": "org_acme",
  "originator_name": "Jane Doe",
  "payment_id": "202503243211779688172026683739635",
  "payment_type": "debit",
  "related_fednow_ids": [
    "202503243211779688172026683739633",
    "202503243211779688172026683739634"
  ],
  "security_context": {
    "device_id": "a1b2c3d4e5f6",
    "ip_address": "192.168.1.1",
    "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7)"
  },
  "status": "pending",
  "transaction_id": "20250324021000021A1B2C3D4E5F6G7H8IJ",
  "uetr": "eb6305c9-1f7f-49de-aed0-16487c27b42d",
  "updated_at": "2024-01-01T00:00:00Z"
}

Authorizations

Authorization

string

header

required

Basic authentication header of the form Basic <encoded-value>, where <encoded-value> is the base64-encoded string username:password.

Body

application/json

The fednow to create

account_id

string

required

ID of the account. Filterable.

amount

string

required

Amount of the payment

Pattern: ^[0-9]+[.][0-9][0-9]$

external_account_number

string

required

External account number. Filterable.

external_name

string

required

External account name

external_routing_number

string

required

External routing number

description

string

Optional description of the payment that is displayed in the Treasury Prime Console and API only.

memo

string

Optional memo for the payment that is passed through to the receiving financial institution.

originator_name

string

Optional sender name for the payment that will be sent to the receiving financial institution.

security_context

object

Context for this submission

Show child attributes

Response

200 - application/json

The fednow created

account_id

string

ID of the account. Filterable.

amount

string

Amount of the payment

Pattern: ^[0-9]+[.][0-9][0-9]$

bank_id

string

ID of the bank. Filterable.

created_at

string

When this object was created

currency

string

Currency of the payment

description

string

Optional description of the payment that is displayed in the Treasury Prime Console and API only.

error

string

Error message describing why the payment failed

external_account_number

string

External account number. Filterable.

external_name

string

External account name

external_reject_reason

object

Rejection reason information for rejected payments. Only present for payments rejected by FedNow or counterparty.

Show child attributes

external_routing_number

string

External routing number

external_status

string

Status of originated payment at the external account. Only populated for sent payments. One of pending, processing, done, rejected, blocked, or error. Filterable.

fed_settlement_date

string

Settlement date from FedNow

string

Unique identifier for object

memo

string

Optional memo for the payment that is passed through to the receiving financial institution.

org_id

string

ID of the organization. Filterable.

originator_name

string

Optional sender name for the payment that will be sent to the receiving financial institution.

payment_id

string

FedNow payment ID. Filterable.

payment_type

string

One of credit or debit

An array of IDs for related FedNow payments

security_context

object

Context for this submission

Show child attributes

status

string

One of pending, processing, sent, done, or error. The available values for status are driven by payment type. Successful credits (incoming) terminate in done. Debits (outgoing) terminate in sent. Filterable.

transaction_id

string

ISO 20022 transaction identification of the FedNow payment, when available.

uetr

string

Unique End-to-end Transaction Reference (UETR) of the FedNow payment, when available.

updated_at

string

When this object was last updated

Introduction

Account

Account Opening

Cards

Payments

Testing

Utilities

Authorizations

Body

Response