FedNow

Rail overview

Use FEDNOW for US instant bank movement when the receiving institution supports the rail.

Instant rails still require provider confirmation; Conomy updates the payment once the rail accepts, completes, or rejects the instruction.

Region United States

Currency USD

Direction Pay-in / Pay-out

Model Instant bank transfer

Use it for time-sensitive payout and funding flows where the bank supports FedNow reachability.

Required fields

Field	Type	Description
type	string	Must be "FEDNOW"
currency	string	Must be "USD"
fedNow.bank.accountNumber	string	Bank account number
fedNow.routingNumber	string	9-digit ABA routing number
fedNow.customer.firstName	string	Account holder’s first name
fedNow.customer.lastName	string	Account holder’s last name
fedNow.customer.email	string	Account holder’s email
fedNow.customer.documentNumber	string	SSN or ITIN
fedNow.customer.documentType	string	Document type

Example

{
  "type": "FEDNOW",
  "currency": "USD",
  "fedNow": {
    "routingNumber": "021000021",
    "bank": {
      "accountNumber": "000123456789"
    },
    "customer": {
      "firstName": "Michael",
      "lastName": "Johnson",
      "email": "michael@example.com",
      "documentType": "SSN",
      "documentNumber": "123456789"
    }
  }
}

Object

routingNumberstringrequired

ABA routing number (9 digits).

accountNumberstringrequired

Bank account number.

accountTypestring

CHECKINGSAVINGS

customerobjectrequired

Information on who pays the transaction

idstring

Unique identifier for the internal service.

firstNamestringrequired

Payer's name

emailstring

Payer's email

lastNamestring

Payer's last name

phoneNumberstring

Payer's phone number without prefix

phoneNumberPrefixstring

Phone number prefix (e.g., +57)

documentTypestring

Documeny type of the entity (e.g., RUT, CURP, CURL). Go to the Supported Identity document types page for the complete list of supported values.

documentNumberstring

The document number associated with the documentType

addressobjectshow 8 properties

The entity’s address information.