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Upcoming ChangeWeโ€™re updating return-related Instant Payments endpoints to align functionality across FedNow and RTP, including changes to supported return reasons and validation requirements. Partners using return request functionality must update their integrations before the changes are enforced in September 2026.๐Ÿ‘‰ View Details
The Federal Reserve developed the FedNow network to enable instant payments between financial institutions in the United States. FedNow operates 24/7/365, requires that funds are transferred from debtors to creditors in 20 seconds or less, and mandates that the receiving financial institution informs creditors of available funds immediately. Lead has a direct connection to the FedNow network and offers a rich experience with the payment rail while abstracting operational complexity.

Instant Payment Object

The instant_payment object describes both incoming and outgoing payments and is organized into three sections: payment details, related messages, and return requests.

Payment Details

Return Request