FedNow Service

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 · 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