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Programs can enable receiving FedNow payments independent of FedNow Send capabilities.

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This guide uses the following endpoints

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To view incoming FedNow transactions

  1. Retrieve FedNow transactions using /fednow
  2. Monitor for incoming FedNow transactions

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1. Retrieve FedNow transactions using /fednow

Retrieve a list of FedNow transactions by making a GET /fednow request. Incoming FedNow transactions are identified by a payment_type value of credit, while originated transactions show as debit. To retrieve a specific transaction, use the FedNow object ID in a GET /fednow/{id} request. 
{
    "description": null,
    "amount": "8.00",
    "bank_id": "bank_example",
    "related_fednow_ids": [],
    "account_id": "acct_11krnje614s6p3j",
    "security_context": null,
    "fed_settlement_date": "2025-07-03",
    "org_id": "org_example",
    "payment_type": "credit",
    "external_status": null,
    "external_routing_number": "011054252",
    "updated_at": "2025-07-03T16:59:18Z",
    "currency": "USD",
    "status": "done",
    "id": "fednow_11m6ddq51c3qtzk",
    "payment_id": "20250703626060097wlCpX6DiWq5PM5XisZ",
    "external_name": "David Hume",
    "error": null,
    "external_account_number": "110000994433",
    "originator_name": null,
    "memo": "Payment for coffee and excellent conversation",
    "created_at": "2025-07-03T16:59:17Z"
}

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2. Monitor for incoming FedNow transactions

Configure a fednow.create webhook to receive instant notifications whenever a new FedNow transaction arrives. Additionally, set up an fednow.update webhook to track any status changes in FedNow transactions. For more details and examples, see the webhooks section in the FedNow Overview. The expected path for an incoming FedNow transaction is to be created in “pending” and then update to “done”.