> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lead.bank/llms.txt
> Use this file to discover all available pages before exploring further.

# Check Instant Payment Availability

> Check if a given routing number is eligible to receive an instant payment.



## OpenAPI

````yaml POST /v1/instant_payments/check_availability
openapi: 3.0.1
info:
  title: Lead Bank
  description: Lead Bank's APIs
  version: v1.0
servers:
  - url: https://api.sandbox.lead.bank
  - url: https://api.lead.bank
security:
  - bearerAuth: []
tags:
  - name: ACH
  - name: Account Number
  - name: OAuth
  - name: Events
  - name: Instant Payments
  - name: Lending
  - name: Simulation
  - name: Internal Transfer
  - name: Disbursement
  - name: Entity
  - name: Wire
  - name: Originator
  - name: Funding
  - name: Balances
  - name: Compliance
  - name: UserAccount
  - name: Blockchain Payment
paths:
  /v1/instant_payments/check_availability:
    post:
      tags:
        - Instant Payments
      summary: Check instant payment availability
      description: >-
        Check if a given routing number is eligible to receive an instant
        payment.
      operationId: check-instant-payment-availability
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - routing_number
              properties:
                routing_number:
                  type: string
                  description: >-
                    The routing number of the financial institution where the
                    creditor (payee) holds their account.
                  minLength: 9
                  maxLength: 9
                  pattern: ^[0-9]+$
                  example: '111000111'
      responses:
        '200':
          description: Availability check result.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InstantPaymentAvailability'
        '400':
          description: Your request parameters did not validate.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIError'
        '422':
          description: The routing number is invalid.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIError'
        '500':
          description: Server error. Please try your request again.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/APIError'
components:
  schemas:
    InstantPaymentAvailability:
      type: object
      description: Result of an instant payment availability check.
      required:
        - available
        - routing_number
      properties:
        available:
          type: boolean
          description: >-
            Whether the financial institution is available to receive instant
            payments.
          example: true
        routing_number:
          type: string
          description: The routing number that was checked.
          minLength: 9
          maxLength: 9
          example: '111000111'
    APIError:
      type: object
      properties:
        code:
          type: string
          description: The error code.
        title:
          type: string
          description: The error title.
        detail:
          type: string
          description: A detailed error description.
        status:
          type: string
          description: The HTTP status code.
        invalid_parameters:
          type: array
          description: Invalid request parameters with reasons, if applicable.
          items:
            $ref: '#/components/schemas/InvalidParameterDetail'
        instance:
          type: string
          description: >-
            The object causing this specific occurrence of the error, if
            applicable.
    InvalidParameterDetail:
      type: object
      properties:
        parameter:
          type: string
          description: Which parameter is invalid.
          example: transaction_type
        reason:
          type: string
          description: Why the parameter is invalid.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT

````