FedNowTransaction

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/narmi/main/json-schema/narmi-fed-now-transaction-schema.json",
  "title": "FedNowTransaction",
  "x-generated": "2026-10-12",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/narmi-instant-transfers-api-openapi.yml#/components/schemas/FedNowTransaction",
  "type": "object",
  "properties": {
    "id": {
      "type": "string",
      "format": "uuid"
    },
    "amount_cents": {
      "type": "integer",
      "maximum": 2147483647,
      "minimum": -2147483648
    },
    "memo": {
      "type": "string",
      "maxLength": 140
    },
    "state": {
      "$ref": "#/$defs/FedNowTransactionStateEnum"
    },
    "payment_identification": {
      "type": "string",
      "maxLength": 35
    },
    "source_account": {
      "type": "string",
      "format": "uuid"
    },
    "external_account": {
      "type": [
        "string",
        "null"
      ],
      "format": "uuid"
    },
    "created_at": {
      "type": "string",
      "format": "date-time",
      "readOnly": true
    },
    "updated_at": {
      "type": "string",
      "format": "date-time",
      "readOnly": true
    },
    "unverified_recipient": {
      "type": [
        "string",
        "null"
      ],
      "format": "uuid"
    },
    "bulk_payment": {
      "type": [
        "string",
        "null"
      ],
      "format": "uuid"
    }
  },
  "required": [
    "amount_cents",
    "bulk_payment",
    "external_account",
    "id",
    "source_account",
    "unverified_recipient"
  ],
  "x-stoplight": {
    "id": "7qinjdob3wcd1"
  },
  "$defs": {
    "FedNowTransactionStateEnum": {
      "enum": [
        "pending",
        "accepted",
        "declined",
        "failed",
        "processed",
        "overridden",
        "processed_settled",
        "processed_reversed",
        "overridden_settled",
        "awaiting_approval",
        "rejected_approval",
        "canceled",
        "approval_expired",
        "awaiting_bulk_approval",
        "rejected_bulk_approval"
      ],
      "type": "string",
      "description": "* `pending` - Pending fraud evaluation\n* `accepted` - Fraud evaluation passed\n* `declined` - Fraud evaluation failed\n* `failed` - Failed before FedNow processing was initiated\n* `processed` - Payment initiated in FedNow service\n* `overridden` - Decline manually overridden and payment initiated in FedNow service\n* `processed_settled` - Payment settlement has been confirmed by FedNow service\n* `processed_reversed` - Payment was returned by FedNow service\n* `overridden_settled` - Payment settlement confirmed after override\n* `awaiting_approval` - Awaiting dual approval\n* `rejected_approval` - Dual approval rejected\n* `canceled` - Canceled\n* `approval_expired` - Dual approval expired\n* `awaiting_bulk_approval` - Awaiting bulk approval\n* `rejected_bulk_approval` - Rejected bulk approval",
      "x-stoplight": {
        "id": "otlhozfwfxeds"
      }
    }
  }
}