Citizens Financial Group Participant Status API

openapi: 3.2.0
info:
  title: Payments Participant Status API
  x-ibm-name: Payments
  version: 3.1.11
  description: The Payment API provides authenticated clients with a secure and streamlined way to initiate payments and retrieve transaction status programmatically.
  x-pathalias: payments-v3
  contact:
    url: https://www.citizensbank.com/corporate-finance/overview.aspx?cmclmkt#next-step
    name: Commercial Sales team
  x-ibm-summary: ''
  x-source-url: https://developer.citizensbank.com/product/commercial-banking/api/payments-v3
  x-harvested: '2026-09-05'
  x-harvest-method: searched
  x-environment: production
servers:
- url: https://apis.citizensbank.com/v3/payments
security:
- client-id: []
tags:
- name: Participant Status
paths:
  /participant-status/query:
    post:
      summary: Allows you to retrieve status and basic information of the financial…
      description: Retrieves the payment type (WIRE and RTP) supported status of financial institution for the routing number and payment type provided. Additionally, returns the bank name, address and availability of participant to do a payment.
      operationId: checkParticipantStatus
      parameters:
      - $ref: '#/components/parameters/x-fapi-trace-id'
      - $ref: '#/components/parameters/x-fapi-channel-id'
      - $ref: '#/components/parameters/authorization'
      requestBody:
        required: true
        description: The request body must include account identifiers and bank identifiers  to initiate account inquiry process.
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ParticipantStatusQuery'
      responses:
        '200':
          description: Successfully retrieved the list of accounts.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ParticipantStatusSummary'
        '204':
          description: No content available.
        '400':
          description: Bad Request.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Unauthorized Access or app-token is not valid.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '404':
          description: Record not found or Resource not available .
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '500':
          description: Internal server error or any other provider system error.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
      tags:
      - Participant Status
components:
  parameters:
    x-fapi-trace-id:
      schema:
        maxLength: 36
        type: string
      name: x-fapi-trace-id
      in: header
      description: Unique request id for each request to make it traceable if needed.
      style: simple
      required: true
    authorization:
      schema:
        $ref: '#/components/schemas/AuthorizationHeader'
      name: Authorization
      in: header
      description: OAuth 2.0 Authorization Bearer Token
      style: simple
      required: true
      example: Bearer eyJhbGciOiJSUzI1NiIsImtpZCI6IkhMMkQtYVdmaUxVS1BpUHQ5b2lweWNiYXo4WV9SUzI1NiIsInBpLmF0bSI6InphYXciLCJ0eXAiOiJKV1QifQ.eyJzY29wZSI6ImlyOnJlYWQiLCJjaWQiOiIyNzFmYTdkZDI3MDExMTA5Mzc4ZWE5MTU1YzA2ZTcxMSIsImlzcyI6Imh0dHBzOi8vcGYtZmFtLWRldi5pbnRlcm5hbC5jaXRpemVuc2JhbmsuY29tIiwiYXVkIjoiaW5mb3JtYXRpb25fcmVwb3J0aW5nIiwianRpIjoiOHpRMUJVSnlTT0xkWHZmQXJtb1pQSXVpZXBmdkF5WnJwdnc4NVlGY2dDVk1FbyIsInN1YmplY3QiOiJBQ01FLUFQSV9VQVRBTExfTU1HUFMiLCJjbmYiOnsieDV0IjoiOTlmN2Q3ZDQzOGMxZjViMWFiNzc4MDA1YmU3OGNkODY0NDU1YmYyYSJ9LCJleHAiOjE3NTczNTE2NzR9.c6y4ZcVxP8c8dZK8IwMPhVnKkrk7Kyf4h4cUo8GOPxrrR_AYq-59tcO9lzTkr4Kfa5-7q_HbxCV14wUnwz_N1JuehZ5N3wyuJ3wjc2jEfOnto8YwSEhY4qWbFm1TTdU8jqRZMp2KpvBpwa5BKNfjo3t0xAMqQ2til5-1JQHEZyint56OglKq13OzG265jW_RKOhmmmGuTlqDjiC4Mz2AQU-1VZY2i6LZTqKKTr7dvQVy5TKm9-akEkie8s-cXymaQ9Km54-PARdH8orezez8NuJc4LN550m46ulWJ2mNMDs4D9NnKQMr-stla2mQtovU__vNg3WDCvQ8Nrw1db5icA
    x-fapi-channel-id:
      schema:
        maxLength: 20
        type: string
      name: x-fapi-channel-id
      in: header
      description: Identifier used to distinguish between different communication channels or data streams within a client system.
      style: simple
      required: false
      explode: false
  schemas:
    ParticipantStatusSummary:
      type: object
      required:
      - available
      - inNetwork
      - paymentType
      - routingNumber
      properties:
        routingNumber:
          type: string
          example: 21000089
          description: A value that uniquely identifies the Financial Institution. This is a 9 digits long ABA number associated with the account.
          minLength: 9
          maxLength: 9
        paymentType:
          type: string
          example: RTP
          description: Describes the type of payment for which the routing number is searched for.Possible values WIRE - Wire transfers are immediate direct transfers between any two financial institutions. RTP - Real-time payments are payments made between bank accounts that are initiated, cleared and settled within seconds, at any time of the day or week, holidays and weekends included.
          maxLength: 4
          enum:
          - WIRE
          - RTP
        inNetwork:
          type: string
          example: 'YES'
          description: Describes the presence of a Financial Institution in clearing network(The Clearing House/Fed Wire/Automate Clearing House).
          maxLength: 3
          enum:
          - 'YES'
          - 'NO'
        available:
          type: string
          example: 'YES'
          description: Describes the availability of a Financial Institution to receive payments.
          maxLength: 3
          enum:
          - 'YES'
          - 'NO'
        additionalInformation:
          type: string
          example: The Financial Institution is suspended or signedOff by clearing network
          description: This field is populated only when the value of 'available' field is 'NO'. It contains the reason for unavailability of the Financial Institution/participant.
          maxLength: 140
        participantName:
          type: string
          example: Citizens Bank
          description: Name of the participant/Financial Institution registered in the payment clearing scheme.
          maxLength: 36
        eligibleServices:
          type: array
          example:
          - CREDIT_TRANSFER
          - REQUEST_FOR_PAYMENT
          - REQUEST_FOR_INFORMATION
          - REMITANCE
          - ACKNOWLEDGMENT
          description: These are the list of eligible services provided/supported by the financial Institution for RTP payment type. Possible values are CREDIT_TRANSFER - These are push payments supported by the clearing network. REQUEST_FOR_PAYMENT - These are pull payments supported by the clearing network. ACKNOWLEDGMENT - Bank is capable of sending a confirmation that the payment has been received and settled REMITTANCE - Bank is capable of receiving remittance information like the payment has been received and settled REQUEST_FOR_INFORMATION - Bank has capability to receive request for information messages. REQUEST_FOR_RETURN_OF_FUND - Bank has capability to receive request for return of funds messages.
          uniqueItems: true
          items:
            type: string
          maxItems: 6
          minItems: 1
    Error_errorDetails:
      type: object
      required:
      - code
      - description
      properties:
        code:
          type: string
          example: REQ1001
          description: This is the application error code returned by the API layer or the Implementation layer. A list of error codes will be provided in the user guide.
          maxLength: 7
        description:
          type: string
          example: Request Id should not be more than 36 characters long.
          description: Description of the operation's status. It will have detailed error description in case of any error.
          maxLength: 250
        messageDetail:
          type: string
          example: Invalid requestId
          description: Details about error including stack traces. This will not be populated for any handled error.
          maxLength: 250
    AuthorizationHeader:
      type: string
      title: JWT Access Token
    Error:
      type: object
      required:
      - errorDetails
      - result
      - source
      properties:
        result:
          type: string
          example: FATAL
          description: It represents the error status. Its value should be either WARNING or FATAL. * `FATAL` - is an error which represents that something is not correct while processing the request. It could be because of the request or something is not correct with the processing system. * `WARNING` - is a success with some information which means it is not an absolute successful transaction. However response will have information about what is needed in order to be an absolute successful transaction.
          maxLength: 7
          enum:
          - FATAL
          - WARNING
        source:
          type: string
          example: Payments System
          description: Source system or provider system which causes error.
          maxLength: 100
        errorDetails:
          type: array
          items:
            $ref: '#/components/schemas/Error_errorDetails'
    ParticipantStatusQuery:
      type: object
      required:
      - paymentType
      - routingNumber
      properties:
        routingNumber:
          type: string
          example: 21000089
          description: A value that uniquely identifies the Financial Institution. This is a 9 digits long ABA number associated with the account.
          minLength: 9
          maxLength: 9
        paymentType:
          type: string
          example: RTP
          description: Describes the type of payment for which the routing number is searched for. Possible values that can be passed WIRE - Wire transfers are immediate direct transfers between any two financial institutions. RTP - Real-time payments are payments made between bank accounts that are initiated, cleared and settled within seconds, at any time of the day or week, holidays and weekends included.
          enum:
          - WIRE
          - RTP
  securitySchemes:
    client-id:
      type: apiKey
      in: header
      name: X-IBM-Client-Id
      x-key-type: client_id
    OAuth2:
      type: oauth2
      x-ibm-oauth-provider: externalpingfederate
      flows:
        clientCredentials:
          tokenUrl: https://pf-fam.internal.citizensbank.com/as/token.oauth2
          scopes:
            ir:read: Access to read IR data
externalDocs:
  description: API Documentation
  url: https://developer.citizensbank.com/content/qut/CitizensPaymentAPIUserGuide.pdf
x-ibm-configuration:
  type: rest
  phase: realized
  enforced: true
  testable: true
  cors:
    enabled: true
  application-authentication:
    certificate: false
x-ibm-endpoints:
- url: https://apis.citizensbank.com/v3/payments