> ## 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.

# The Instant Payment Object

> Send and receive Instant Payments via FedNow and RTP (in Q4 2026)

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

```json theme={null}
{
"id": "instant_payment_xyz123",
"account_id": "account_xyz123",
"account_number_id": "account_number_xyz123",
"created_at": "ISO-8601",
"updated_at": "ISO-8601",
"direction": "enum(incoming|outgoing)",
"status": "enum(created|under_review|canceled|rejected|posted)",
"counterparty_status": "enum(under_review|rejected|posted)",
"amount": 5000,
"currency_code": "USD",
"description": "Payment for invoice 12345",
"debtor": {
	"name": "Alex Smith",
	"account number": "1234567890"
},
"debtor_agent": {
	"routing_number": "987654321"
},
"creditor_agent": {
	"routing_number": "987654321"
},
"creditor": {
	"name": "Alex Smith",
	"account_number": "0987654321"
},
"payment_identifiers": {
	"end_to_end_id": "string",
	"uetr": "string",
	"transaction_id": "string"
},
"return": {
	"reason": "enum",
	"details": "string"
},
"rejection": {
	"rejected_by": "enum(lead|network|counterparty)",
	"reason": "enum",
	"details": "string"
},
```

## Related Objects

```json theme={null}
"related_objects": {
	"original_payment_id": "instant_payment_xyz123",
	"return_payment_ids": ["instant_payment_xyz123"]
},
```

## Return Requests

```json theme={null}
"return_requests": [{
	"created_at": "ISO-8601",
	"deadline": "ISO-8601",
	"status": "enum(response_needed|pending|rejected|accepted)",
	"reason": "enum",
	"details": "string",
	"resolution": {
		"resolved_at": "ISO-8601",
		"resolved_by": "enum(client|lead|network|counterparty)",
		"rejection_reason": "enum",
		"rejection_details": "string"
}
}]
```