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Citizens Financial Group

Citizens Payments API

The Citizens Payments API initiates RTP and ACH payment instructions, retrieves payment status, and checks whether a counterparty routing number is reachable on The Clearing House RTP network before a payment is sent. Reject codes are ISO 20022 external status reason codes; ACH details carry Nacha standard entry class codes. No cancel, void or reversal operation is published on this surface.

Documentation Provider Profile APIs.io OpenAPI GitHub

Citizens Payments API is one of 11 APIs that Citizens Financial Group publishes on the APIs.io network, described by a machine-readable OpenAPI specification.

Tagged areas include ACH, Banking, ISO 20022, Payments, and Real Time Payments. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, and an API reference.

This API exposes 3 operations across 3 paths, and defines 19 schemas. It is described by OpenAPI 3.0.0, at version 3.1.11.

Requests are made against a single base URL, https://apis.citizensbank.com/v3/payments.

3 operations 3 paths 19 schemas 3 POST

Metadata

The identity and technical contract details declared by the specification.

Specification
OpenAPI 3.0.0
API Version
3.1.11
Base URL
https://apis.citizensbank.com/v3/payments
Authentication
API Key, OAuth 2.0
Contact
Commercial Sales team
Resource Areas
1

Authentication & Security 2

Citizens Payments API declares 2 security schemes for authenticating requests. An API key is passed in the header as X-IBM-Client-Id (client-id). It supports OAuth 2.0 (OAuth2) using the clientCredentials flow, exposing 1 scope. By default, every request must be authenticated.

Paths & Operations 3

Across 3 paths, the API surfaces 3 operations — 3 POST. Each is listed below with its method, path, parameters, and response codes.

Operations 3
POST
/participant-status/query
Allows you to retrieve status and basic information of the financial institution based on the routing number and payment type.
checkParticipantStatus 3 params body → 200204400401404500
POST
/initiate-payment
Initiates a payment instruction.
initiatePayment 3 params body → 200400401404500
POST
/payment-status/query
The Payment Status resource retrieves the status of a transaction initiated by the consumer.
retrievePaymentStatus 3 params body → 200204400401404500

Schemas 19

The contract defines 19 schemas that model the data the API accepts and returns. The most detailed are AchDetails (12 properties), PaymentStatusResponse (9 properties), PaymentInitiationRequest (8 properties), ParticipantStatusSummary (7 properties). Each schema is shown below with its type and property counts.

ParticipantStatusQuery
object
2 properties 2 required
ParticipantStatusSummary
object
7 properties 4 required
PaymentInitiationRequest
object
8 properties 5 required
PaymentAccountInformation
object
The client party's account details
2 properties 2 required
CounterpartyAccountInformation
object
Counterparty is the crediting bank for RTP and ACH Credit; or debiting bank for ACH Debit.
2 properties 2 required
Debtor
object
2 properties
UltimateDebtor
object
Ultimate debtor (3rd party) details
3 properties 1 required
UltimateCreditor
object
Ultimate debtor (3rd party) details
3 properties 1 required
CounterpartyAddressInformation
object
Counter Party Details. The address information becomes mandatory for RTP transactions with payment amount greater than or equal to $3000.
3 properties 1 required
CounterpartyInformation
object
Counterparty is the crediting bank for RTP and ACH Credit; or debiting bank for ACH Debit.
2 properties 2 required
RtpDetails
object
This object provides the list of request fields needed to originate a RTP credit transfer. This section is driven by the paymentType. This object becomes manda…
4 properties 1 required
AchDetails
object
This object provides the list of request fields needed to originate an ACH credit/debit transfer. This section is driven by the paymentType. This object become…
12 properties 6 required
PaymentInitiationResponse
object
Response fields of the ACH Credit transfer initiated.
3 properties 3 required
PaymentStatusRequest
object
Request fields of the Payments Response.
2 properties 2 required
PaymentStatusResponse
object
Response fields of the Payments Response.
9 properties 5 required
Address
object
6 properties 3 required
Error
object
3 properties 3 required
Error_errorDetails
object
3 properties 2 required
AuthorizationHeader
string

Specification

The full machine-readable OpenAPI contract behind this narrative.

Source

citizens-financial-group-payments-openapi.yml Raw ↑

Other APIs Citizens Financial Group publishes across the network.

Citizens Open Banking API
AE Profile APIs.io
Citizens Accounts API
AE Profile APIs.io
Citizens Statements API
AE Profile APIs.io
Citizens Account Validation API
AE Profile APIs.io
Citizens Account Transfer API
AE Profile APIs.io
Citizens Information Reporting API
AE Profile APIs.io
Citizens Authorize API
AE Profile APIs.io
Citizens ATM Locator API
AE Profile APIs.io
Citizens Branch Locator API
AE Profile APIs.io
Citizens Pay API
AE Profile APIs.io
#ACH#Banking#ISO 20022#Payments#Real Time Payments
← Back to C APIs
API Details
ID
citizens-financial-group:citizens-payments-api
Base URL
https://apis.citizensbank.com/v3/payments
Docs
https://developer.citizensbank.com/product/commercial-banking/api/payments-v3
Provider
Citizens Financial Group
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