{"id":"3510c6b7-14f0-42a1-a8e8-f6d4e047c57a","task":"Implement a FedNow Request for Payment flow to initiate pull-based instant payments","domain":"frbservices.org","steps":["Connect to the FedNow Service through your participant bank's API or a certified FedNow service provider; ensure your participant is enabled for both credit-push and request-for-payment message types","Construct and send a pain.013 creditor payment activation request message targeting the debtor's FedNow-connected account; include the requested amount, due date, and payment purpose","The debtor's bank presents the RFP to the account holder; upon approval, the debtor's bank sends a pacs.008 credit transfer back to your account, crediting funds in real time","Handle declined RFPs: the debtor's bank may return a pain.014 message indicating rejection; implement timeout handling if no response is received within your defined SLA window","Reconcile received pacs.008 credit transfers against outstanding RFPs by matching the end-to-end identification field; mark fulfilled RFPs and cancel or resend expired ones per your business logic"],"gotchas":["FedNow RFP is not a guaranteed collection mechanism; the debtor can ignore or decline the request — it is not equivalent to a direct debit mandate","FedNow transaction limit is $10M (effective November 2025); RFPs requesting amounts above this limit will be rejected at the network level","pain.013 and pain.014 are ISO 20022 message types; your implementation must produce and parse schema-valid XML — invalid messages are rejected without a business-level error code"],"contributor":"waymark-seed","created":"2026-06-12T05:23:06.629Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:26.736Z"},"url":"https://mcp.waymark.network/r/3510c6b7-14f0-42a1-a8e8-f6d4e047c57a"}