aid: fednow url: https://raw.githubusercontent.com/api-evangelist/fednow/refs/heads/main/apis.yml name: FedNow Service kind: company description: >- The FedNow Service is an instant payments rail operated by the Federal Reserve Banks, launched in July 2023 to move funds between U.S. financial institutions in real time, 24 hours a day, 365 days a year, with immediate interbank settlement in central bank money. It is ISO 20022 native and is one of three domestic U.S. rails alongside The Clearing House's RTP network and the ACH network. FedNow is a scheme operator, not a consumer-facing PSP; participating banks and credit unions connect over FedLine (Direct or Advantage), exchange ISO 20022 messages for customer credit transfers, requests for payment, liquidity transfers and system/account reporting, and may optionally use a small set of FedNow REST APIs (Account Balance, Network Intelligence, Participant List, Ping) exposed through the credential-gated FedLine Developer portal. Its public developer surface is documentation- and rulebook-first: ISO 20022 message specifications live behind SWIFT MyStandards and API access is restricted to enrolled institutions, so there is no open, self-serve public API. accessModel: pricing: paid onboarding: gated trial: false try_now: false public: false label: Fee-based ยท Participation gated to financial institutions confidence: high source: - fees - authentication generated: '2026-07-24' method: reviewed image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Payments - United States - Real-Time Payments - Instant Payments - ISO 20022 - Account-to-Account - Scheme Operator - Federal Reserve created: '2026-07-24' modified: '2026-07-24' specificationVersion: '0.19' apis: - aid: fednow:fednow-account-balance-api name: FedNow Account Balance API description: Account Management API letting a participating financial institution programmatically retrieve its FedNow master account balance information. Documented on the FedLine Developer portal as one of the optional FedNow REST APIs; access is gated to enrolled institutions and no public OpenAPI is published. humanURL: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis tags: - Account Management - Balance - Real-Time Payments properties: - type: Documentation url: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis - type: APIReference url: https://www.frbservices.org/fedline-solutions/fedline-developer - aid: fednow:fednow-network-intelligence-api name: FedNow Network Intelligence API description: Risk Mitigation API providing fraud-prevention and risk signals across the FedNow network to participating institutions. Documented on the FedLine Developer portal as an optional FedNow REST API; access is gated to enrolled institutions and no public OpenAPI is published. humanURL: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis tags: - Risk Mitigation - Fraud - Real-Time Payments properties: - type: Documentation url: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis - type: APIReference url: https://www.frbservices.org/fedline-solutions/fedline-developer - aid: fednow:fednow-participant-list-api name: FedNow Participant List API description: Service Management API returning the current list of FedNow Service participants so an institution can confirm reachable routing endpoints before sending a payment. Documented on the FedLine Developer portal as an optional FedNow REST API; access is gated to enrolled institutions and no public OpenAPI is published. humanURL: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis tags: - Service Management - Directory - Real-Time Payments properties: - type: Documentation url: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis - type: APIReference url: https://www.frbservices.org/fedline-solutions/fedline-developer - aid: fednow:fednow-ping-api name: FedNow Ping API description: Service Management API used to verify connectivity and availability of the FedNow Service from a participant's connection. Documented on the FedLine Developer portal as an optional FedNow REST API; access is gated to enrolled institutions and no public OpenAPI is published. humanURL: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis tags: - Service Management - Connectivity - Real-Time Payments properties: - type: Documentation url: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis - type: APIReference url: https://www.frbservices.org/fedline-solutions/fedline-developer - aid: fednow:fednow-iso-20022-message-specifications name: FedNow ISO 20022 Message Specifications description: The core scheme messaging surface of the FedNow Service. FedNow is ISO 20022 native and defines message types for customer credit transfers, requests for payment, interbank liquidity transfers, and system/account reporting. The current message specifications, implementation guide, message flows, and readiness/testing portal are hosted on SWIFT MyStandards and require a SWIFT account to access. humanURL: https://www.frbservices.org/financial-services/fednow/what-is-iso-20022-why-does-it-matter tags: - ISO 20022 - Messaging - Real-Time Payments properties: - type: Documentation url: https://www.frbservices.org/financial-services/fednow/what-is-iso-20022-why-does-it-matter - type: APIReference url: https://www2.swift.com/mystandards/#/group/Federal_Reserve_Financial_Services common: - type: DomainSecurity url: security/fednow-domain-security.yml - type: Website url: https://www.frbservices.org/financial-services/fednow - type: DeveloperPortal url: https://www.frbservices.org/fedline-solutions/fedline-developer - type: Documentation url: https://www.frbservices.org/resources/financial-services/fednow - type: APIReference url: https://www.frbservices.org/fedline-solutions/fedline-developer/fednow-apis - type: Pricing url: https://www.frbservices.org/resources/fees/fednow-2026 - type: SignUp url: https://www.frbservices.org/forms/fednow-service - type: Support url: https://www.frbservices.org/contact - type: GettingStarted url: https://www.frbservices.org/fedline-solutions/fedline-developer/sign-up - type: Blog url: https://www.frbservices.org/news/fed360 - type: TermsOfService url: https://frbservices.org/terms - type: PrivacyPolicy url: https://app.frbservices.org/terms/privacy.html - type: StatusPage url: https://www.frbservices.org/app/status/serviceStatus.do - type: Authentication url: authentication/fednow-authentication.yml - type: Conformance url: conformance/fednow-conformance.yml - type: Lifecycle url: lifecycle/fednow-lifecycle.yml - type: ChangeLog url: changelog/fednow-changelog.yml - type: Sandbox url: sandbox/fednow-sandbox.yml - type: WellKnown url: well-known/fednow-well-known.yml - type: LLMsTxt url: llms/fednow-llms.txt maintainers: - FN: Kin Lane email: kin@apievangelist.com