Orum

Orum Eligibility API

The Eligibility API from Orum — 1 operation(s) for eligibility.

Documentation GitHub OpenAPI

Operations 2

POST /deliver/eligibility Check if a routing number is eligible for RTP or FedNow #

GET /deliver/eligibility A list of RTP and FedNow Eligible Routing Numbers #

Specifications

⚙

OpenAPI

https://raw.githubusercontent.com/api-evangelist/orum/refs/heads/main/openapi/orum-eligibility-api-openapi.yml

Work with this as data

Every API here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for apis

7 MCP tools reach this

find_apisBrowse and filter every API in the catalog.
get_api_artifactsOne API's artifacts, grouped by type.
get_openapiThe primary OpenAPI for this API.
find_similar_apisAPIs that look like this one.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This API

curl "https://apis.io/api/v1/apis/orum-eligibility-api"

All apis

curl "https://apis.io/api/v1/apis?limit=25"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.

OpenAPI Specification

openapi: 3.2.0
info:
  title: Orum Authentication Eligibility API
  description: Orum API.
  version: v2022-09-21
  license:
    name: Apache 2.0
    url: https://www.apache.org/licenses/LICENSE-2.0
servers:
- url: https://api-sandbox.orum.io
- url: https://vault.api-sandbox.orum.io
tags:
- name: Eligibility
paths:
  /deliver/eligibility:
    post:
      tags:
      - Eligibility
      operationId: post-eligibility
      summary: Check if a routing number is eligible for RTP or FedNow
      description: Returns routing number eligibility
      parameters:
      - name: Orum-Version
        in: header
        required: true
        schema:
          $ref: '#/components/schemas/OrumVersion'
        x-orum-error-invalid:
          known-error: version_invalid
        x-orum-error-missing:
          known-error: version_missing
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/EligibilityRequest'
        required: true
      responses:
        '200':
          description: 200 response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/EligibilityResponse'
        '400':
          description: invalid request.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        default:
          description: unexpected error.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      security:
      - oauth2:
        - read:routing-number-eligibility
    get:
      tags:
      - Eligibility
      operationId: get-eligibility
      summary: A list of RTP and FedNow Eligible Routing Numbers
      description: Returns all routing numbers that are eligible for RTP and FedNow
      parameters:
      - name: Orum-Version
        in: header
        required: true
        schema:
          $ref: '#/components/schemas/OrumVersion'
        x-orum-error-invalid:
          known-error: version_invalid
        x-orum-error-missing:
          known-error: version_missing
      responses:
        '200':
          description: 200 response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/GetEligibilityResponse'
        '401':
          description: unauthorized.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        default:
          description: unexpected error.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
      security:
      - oauth2:
        - read:routing-number-eligibility
components:
  schemas:
    GetEligibilityResponse:
      type: object
      additionalProperties:
        $ref: '#/components/schemas/RtpAndFedNow'
      example:
        011000138:
          rtp: true
          fednow: true
    EligibilityResponse:
      title: EligibilityResponse
      type: object
      required:
      - routing_numbers
      properties:
        routing_numbers:
          type: array
          items:
            $ref: '#/components/schemas/EligibilityRoutingNumber'
    EligibilityRoutingNumber:
      title: EligibilityRoutingNumber
      type: object
      required:
      - routing_number
      - eligible
      - rtp
      - fednow
      properties:
        routing_number:
          $ref: '#/components/schemas/AbaRoutingNumber'
        eligible:
          $ref: '#/components/schemas/Eligible'
        rtp:
          $ref: '#/components/schemas/RTPEligible'
        fednow:
          $ref: '#/components/schemas/FednowEligible'
    PostEligibilityAbaRoutingNumber:
      title: PostEligibilityAbaRoutingNumber
      type: string
      pattern: ^\d{9}$
      description: 9-digit American Bankers Association (ABA) routing number.
      x-orum-error-invalid:
        known-error: invalid_routing_numbers
    EligibilityRequest:
      title: EligibilityRequest
      type: object
      required:
      - routing_numbers
      properties:
        routing_numbers:
          type: array
          x-orum-error-missing:
            message: Routing numbers is required
            code: missing_routing_numbers
          x-orum-error-invalid:
            known-error: invalid_routing_numbers
          items:
            $ref: '#/components/schemas/PostEligibilityAbaRoutingNumber'
    OrumVersion:
      type: string
      description: Version of Deliver and Verify APIs. Use v2022-09-21.
      enum:
      - v2022-09-21
    Eligible:
      type: boolean
      description: Describes if the routing number is RTP or Fednow eligible or not
    AbaRoutingNumber:
      title: AbaRoutingNumber
      type: string
      pattern: ^\d{9}$
      description: 9-digit American Bankers Association (ABA) routing number.
    RtpAndFedNow:
      type: object
      required:
      - rtp
      - fednow
      properties:
        rtp:
          type: boolean
        fednow:
          type: boolean
    RTPEligible:
      type: boolean
      description: Describes if the routing number is RTP eligible or not
    FednowEligible:
      type: boolean
      description: Describes if the routing number is Fednow eligible or not
    ErrorResponse:
      type: object
      properties:
        error_code:
          type: string
        message:
          type: string
        details:
          type:
          - object
          - 'null'
          description: additional details about the error.
      required:
      - error_code
      - message
  securitySchemes:
    oauth2:
      type: oauth2
      flows:
        clientCredentials:
          tokenUrl: https://api-sandbox.orum.io/oauth/token
          scopes:
            read:persons: Read persons
            write:persons: Write persons
            read:businesses: Read businesses
            write:businesses: Write businesses
            read:external-accounts: Read external accounts
            write:external-accounts: Write external accounts
            read:cards: Read cards
            write:cards: Write cards
            read:transfers: Read transfers
            write:transfers: Write transfers
            read:transfer-groups: Read transfer groups
            write:transfer-groups: Write transfer groups
            read:schedules: Read schedules
            write:schedules: Write schedules
            read:routing-number-eligibility: Read routing number eligibility
            read:balances: Read balances
            read:reports: Read reports
            write:reports: Write reports
            read:booktransfers: Read book transfers
            write:booktransfers: Write book transfers
            read:subledgers: Read subledgers
            write:subledgers: Write subledgers
            read:verify-accounts: Read verify accounts
            write:verify-accounts: Write verify accounts
            read:webhook-configurations: Read webhook configurations
            write:webhook-configurations: Write webhook configurations
            read:webhook-secret: Read webhook secret
            write:webhook-secret: Write webhook secret
            invoke:webhook: Invoke webhook