Simulate inbound origination
API reference
Simulate receiving an RTP or FedNow credit transfer payment from another financial institution
This API can only be run in the Cross River Sandbox
Endpoint: /rtp/payments/simulated-inbound-origination
POST
https://sandbox.crbcos.com/rtp/v1/payments/simulated-inbound-origination
curl -X POST https://sandbox.crbcos.com/rtp/v1/payments/simulated-inbound-origination \\
-H "Authorization: Bearer YOUR_ACCESS_TOKEN" \\
-H "Content-Type: application/json" \\
-d '{
"accountNumber": "1234567890",
"amount": 150000,
"debtor": {},
"remittanceData": "sample_value",
"remittanceReferredInfo": []
}'Use cases
- Test receiving instant payments in sandbox environment
- Validate payment processing workflows without real network transmission
- Develop and debug payment receipt handling before production
- Train support staff on payment receipt scenarios
Error codes
Code | Scenario | Resolution |
|---|---|---|
2013 | Routing number isn't a valid RTP Participant | Verify request parameters and retry |
3001 | Unauthorized | Verify Bearer token is valid and not expired |
3002 | Insufficient permissions | Verify user has required permission for this operation |
Business rules
- Requires valid Bearer token with permissions: Permissions.Payments.Simulate
- remittanceData field is limited to 140 characters maximum
- Request validation performed before processing
- Errors return 400 Bad Request with detailed error information
- Rate limiting may apply to prevent abuse