Return approval
API reference
Used to approve an inbound return request for a previously received RTP credit transfer. This operation is relevant when an inbound payment to a Cross River account is being returned to the original sender.
This endpoint is strictly used to approve return requests for inbound Instant Payments. This action can also be done via return approval in COS Explorer
SLA for Inbound Return Request Response
Inbound return requests must be approved or rejected within the following service level timelines, based on the payment rail:
FedNow:
- A response is required by the end of the next business day after the return request is received.
RTP:
- If the original credit transfer was a standard payment: Response is required within 10 business days of receiving the return request.
- If the original credit transfer was initiated through a Request for Payment (RfP): Response is required within 20 business days of receiving the return request.
Failure to respond within these SLAs will result in automatic rejection of the inbound return request.
Important Note on Fraud-Related Return Requests
Any incoming return request with a Reason Code of FRAD (Fraud) will be reviewed by Cross River and cannot be actioned directly by the partner. Cross River will evaluate the request and determine next steps internally.