# Citizens Payments API

**Canonical:** https://apis.io/apis/citizens-financial-group/citizens-payments-api/  
**Provider:** Citizens Financial Group — https://apis.io/providers/citizens-financial-group/  
**Base URL:** https://apis.citizensbank.com/v3/payments  
**Documentation:** https://developer.citizensbank.com/product/commercial-banking/api/payments-v3

Citizens Payments API is one of 11 APIs that [Citizens Financial Group](https://apis.io/providers/citizens-financial-group/) publishes on the [APIs.io](https://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.

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.

## Operations (3)

| Method | Path | Summary |
|---|---|---|
| POST | `/participant-status/query` | Allows you to retrieve status and basic information of the financial institution based on the routing number and payment type. |
| POST | `/initiate-payment` | Initiates a payment instruction. |
| POST | `/payment-status/query` | The Payment Status resource retrieves the status of a transaction initiated by the consumer. |

## Machine-readable artifacts (7)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/citizens-financial-group/refs/heads/main/openapi/citizens-financial-group-payments-openapi.yml
- **OpenAPISource** — https://raw.githubusercontent.com/api-evangelist/citizens-financial-group/refs/heads/main/openapi/_original/citizens-payments-v3.json
- **Overlay** — https://raw.githubusercontent.com/api-evangelist/citizens-financial-group/refs/heads/main/overlays/citizens-financial-group-payments-overlay.yaml
- **DeclineCodes** — https://raw.githubusercontent.com/api-evangelist/citizens-financial-group/refs/heads/main/errors/citizens-financial-group-decline-codes.yml
- **AgentSkill** — https://raw.githubusercontent.com/api-evangelist/citizens-financial-group/refs/heads/main/skills/citizens-financial-group-initiate-payment.md
- **Documentation** — https://developer.citizensbank.com/product/commercial-banking/api/payments-v3
- **APIReference** — https://developer.citizensbank.com/content/qut/CitizensPaymentAPIUserGuide.pdf

## Other Citizens Financial Group APIs (10)

- [Citizens Open Banking API](https://apis.io/apis/citizens-financial-group/citizens-open-banking-api/)
- [Citizens Accounts API](https://apis.io/apis/citizens-financial-group/citizens-accounts-api/)
- [Citizens Statements API](https://apis.io/apis/citizens-financial-group/citizens-statements-api/)
- [Citizens Account Validation API](https://apis.io/apis/citizens-financial-group/citizens-account-validation-api/)
- [Citizens Account Transfer API](https://apis.io/apis/citizens-financial-group/citizens-account-transfer-api/)
- [Citizens Information Reporting API](https://apis.io/apis/citizens-financial-group/citizens-information-reporting-api/)
- [Citizens Authorize API](https://apis.io/apis/citizens-financial-group/citizens-authorize-api/)
- [Citizens ATM Locator API](https://apis.io/apis/citizens-financial-group/citizens-atm-locator-api/)
- [Citizens Branch Locator API](https://apis.io/apis/citizens-financial-group/citizens-branch-locator-api/)
- [Citizens Pay API](https://apis.io/apis/citizens-financial-group/citizens-pay-api/)

## Tags

ACH, Banking, ISO 20022, Payments, Real Time Payments

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/citizens-financial-group/citizens-payments-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/citizens-financial-group/.