FedNow
Quick Start
- Contact the Federal Reserve to obtain FedNow participant credentials
- Create a terminal in the Admin Console with the parameters below
- Start processing — the adapter is pre-built and ready to use
Overview
FedNow — Federal Reserve 24/7/365 instant payment service. ISO 20022 messaging (pacs.008, pacs.002, camt.056). US-only.
| Provider ID | fednow |
| Category | Bank Transfers |
| Website | frbservices.org |
Supported currencies: USD
Supported operations: charge (instant credit transfer)
Authentication
- Method: mTLS + Bearer Token
- ISO Standard: ISO 20022
Configuration
Required Parameters
| Parameter | Description |
|---|---|
bearer_token | Bearer Token |
base_url | Base URL API |
participant_id | Participant ID |
client_cert | Client Certificate (PEM) |
client_key | Client Key (PEM) |
Example Configuration
{
"provider": "fednow",
"provider_params": {
"bearer_token": "your_bearer_token_here",
"base_url": "https://api.fednow.example/v1",
"participant_id": "your_participant_id_here",
"client_cert": "-----BEGIN CERTIFICATE-----\n...\n-----END CERTIFICATE-----",
"client_key": "-----BEGIN PRIVATE KEY-----\n...\n-----END PRIVATE KEY-----"
}
}
Status Mapping
| Provider Status | 4pay Status | Description |
|---|---|---|
ACSC | charged | Settlement completed |
ACSP | charging | Accepted, settlement pending |
RJCT | rejected | Rejected |
PDNG | charging | Pending |