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Introduction

Welcome to COS
Authentication
Idempotency
Response Codes
Pagination
Versioning
Partners
Status Page
Swagger Links

Quick Start

Originating ACH Payments
Depositing Checks
Originating RTP Credit Transfers
Using the RTP Directory
Onboarding Customers
Opening a Master Account
Originating Wire Payments
First-Time Login Instructions for Partners
Enabling early direct deposits

Card and Account Programs

Card and Account Programs
Products
Customer Management
Deposit Accounts
Subledgers
Transactions
Book Transfers
Statements
Restrictions
Interest rate cards
Reference
Checks
Card Management

Payment Rails

Payment Rails
ACH Overview
RTP Overview
Wires Overview
XPay Overview
- Originations
- Reference

Webhook API

Overview
Registrations
Events
Signature Verification
Reference

Frequently Asked Questions (FAQs)

Core
ACH
Wires
Checks
Webhooks
RTP
Reports, Statements, and Disclosures
General

ACH Payment Process Flows

Inbound ACH

1524

Outbound ACH

1260

Updated over 1 year ago

Table of Contents
- Inbound ACH
- Outbound ACH