{"id":"036c7ed9-4139-4423-a00f-fdc3301c4065","task":"Initiate a FedNow Request for Payment using pain.013 and handle the debtor's pain.014 response","domain":"fednow","steps":["Build a pain.013 CreditorPaymentActivationRequest with CdtTrfTxInf including ReqdExctnDt, InstrAmt, Cdtr details, and a structured remittance reference (Ustrd or Strd/CdtrRefInf)","Send the pain.013 to the debtor's bank via the FedNow network; the creditor's participant bank routes it using the debtor's routing number in DbtrAgt","Await the pain.014 CreditorPaymentActivationRequestStatusReport from the debtor's bank indicating whether the debtor accepted (ACTC) or rejected (RJCT) the request","If accepted (ACTC), wait for the subsequent pacs.008 credit transfer from the debtor's bank which actually moves funds","Match the arriving pacs.008 to the originating pain.013 using the EndToEndId or the pain.013's PmtInfId carried in the pacs.008 PurpCd or RltdRmtInf","Expire unfulfilled pain.013 requests after the ReqdExctnDt and notify the creditor that no payment was received"],"gotchas":["A pain.014 acceptance does not move money — it is only the debtor's intent; the pacs.008 is the settlement event and may still fail or be delayed","FedNow RfP has a network cap on the request amount; verify current limits with your participant bank as they may differ from the standard pacs.008 per-transaction cap","The debtor's bank must be a FedNow participant and have RfP receive capability enabled; not all FedNow members support RfP at launch"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:40:37.260Z"},"url":"https://mcp.waymark.network/r/036c7ed9-4139-4423-a00f-fdc3301c4065"}