RTP and Wire Payments API | API Documentation

Make a payment immediately and at any time

The RTP and Wire Payments API is a single product with two service capabilities: real-time payments (RTP) and wire transfers (WIRE). Specific permissions are required to access either the RTP Send Payment API or the Wires Transfer API. You can initiate a payment, check on its status, and get information about participating parties.

RTP Payments API Endpoints

What you can do	Endpoint
Health check	get /rtp/v1/payment/healthCheck
Get a list of RTP participants	get /rtp/v1/payment/rtp/participant
Get information about one RTP participant	get /rtp/v1/payment/rtp/participant/{routingNumber}
Get the status with the transaction ID	get /rtp/v1/payment/status/transactionId/{transactionId}
Get the status with the request reference number	get /rtp/v1/payment/status/debitAccount/{debitAccount}/reference/{reference}
Send a real-time payment	post /rtp/v1/payment/initiate
Perform validation checks	post /rtp/v1/payment/validate

Before you begin

All KeyBank APIs require certificates, user credentials, and certain permissions. Check out our Getting Started Guide to learn more.

Two in one

At KeyBank, the RTP and wire payment APIs are a single API product with two service capabilities. You need specific permissions to access either the RTP Send Payment API or the Wire Transfer API.

Overview

You can initiate a real-time payment, check on its status, and get information about participating parties.

RTP stands for Real-Time Payment. It is a modern payment system that enables immediate and real-time fund transfers between financial institution or individuals. RTP transactions use the clearing house’s RTP network, which operates 24/7, allowing for instant payment settlement. RTP payments are often used for person-to person transfers, bill payments, and business-to-business transactions.

The main difference between RTP payments and wire transfers is in their speed and settlement process. RTP payments are designed for real-time transfers, providing immediate availability of funds, while wire transfers may take longer to process and settle.

Payment chain parties

The two calls - initiate a payment and validate a payment - have the party object. This is a reusable object that has details about the person or entity sending a payment and the one receiving the payment. The party object reflects the payment chain of events. Use the request fields to direct the payment transaction from one account to another.

ORDER	PAYMENT CHAIN	REQUEST FIELDS TO USE
1	The individual or organization sends the payment.	Enter the debit account number of the individual or organization in debitParty.
2	The financial institution of the debit account holder transfers the funds.	We assume this is KeyBank. Enter the ABA or routing number for the financial institution in debitPartyBank.
3	The financial institution that services the recipient’s account receives the funds.	Enter the US ABA number for the financial institution in creditPartyBank.
4	The beneficiary party receives the funds.	Enter the account number of the beneficiary in creditParty.

API requirements

KeyClientId: When you initiate or validate a payment, you are required to provide the KeyClientId in the request header. The KeyClientId is a 32-character string provided by KeyBank during the onboarding process. This field is not the same as your client credentials (part of your API keys needed to obtain an access token).

Health check

get /rtp/v1/payment/healthCheck

Verify you can connect to the API service. A bearer token is required.

Responses

Successful response

NAME	TYPE	DESCRIPTION
Statusoptional	string	The status of the health check response.
Sourceoptional	string	The system that produces the health response. The origin of the response can be 'Gateway' or 'Roundtrip.' Roundtrip returns a response from the farthest system involved.
Timestampoptional	string	The date (YYYY-MM-DD) and time (HH:MM:SS) of response from the API service.
ClientIpoptional	string	The client IP address the gateway receives from the request.
X-Forwarded-Foroptional	string	The sequence of the IP addresses for systems between the client and the gateway. Addresses are separated by a comma.

Response example (200)

{
   "Status": "Ok",
   "Source": "Roundtrip",
   "Timestamp": "2022-09-16T02:36:20",
   "ClientIp": "156.77.111.28",
   "X-Forwarded-For": "[156.77.111.28]"
}

Get a list of RTP participants

get /rtp/v1/payment/rtp/participant

Retrieve a list of active, online RTP banks. Use the limit and offset fields to control how many records to return and what records to skip.

Request

query FIELD	TYPE	DESCRIPTION
limitrequired	integer	Pagination parameter that indicates the maximum number of records to return in the response.
offsetrequired	integer	Pagination parameter that indicates the number of records skipped before generating the output.

header FIELD	TYPE	DESCRIPTION
KeyClientIdrequired	string	This value is provided by KeyBank during onboarding and is different from your client credentials. This is required for each call for RTP or Wire transactions.

Request example

curl --location: 'https://partner-api-qv.keybank.com/rtp/v1/payment/rtp/participant?limit=15&offset=0'
--header 'KeyClientId: testwUhSQADUD4DwYyZz2hZkwLqsoFGK'
--header 'Accept: application/json'
--header 'Bearer testZcKJDWnwDWmmf9qah6PJvPy8'

Responses

Successful response

NAME	TYPE	DESCRIPTION
countrequired	string	The count of records that match the initial query.
limitrequired	integer	The maximum number of records returned in the response.
offsetrequired	integer	The number of records skipped before the response is returned.
partiesoptional	Object	party

Response example (200)

{
   "count": "65",
   "limit": 10,
   "offset": 0, 
   "parties": {
                                                                                                            "name": "CITIZENS BANK, NA",
                                                                                                            "accountNumber": "102258001",
                                                                                                            "aba": "100001995",
                                                                                                            "bic": "CITZUSL2XXX",
                                                                                                            "txid": "fa1354bkg3153kj13b4h34",
                                                                                                            "foreignBankSystemId": {
                                                                                                                "type": "USABA"
                                                                                                            },
                                                                                                            "postalAddress": {
                                                                                                                "adrLine": [
                                                                                                                    "BENEFICIARY ADDRESS LINE 1",
                                                                                                                    "BENEFICIARY ADDRESS LINE 2"
                                                                                                                ]
                                                                                                            }
                                                                                                        }
                                                                                                    }

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (400)

{
                                                                                                        "ErrorMessage": "Error received from backend service.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "US21052400000000",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                                                                                                        "ServiceError": {
                                                                                                            "status": "FAILED",
                                                                                                            "transactionId": "rrt-770941720727587-2383364-1",
                                                                                                            "requestReference": "RR-220818-01",
                                                                                                            "sendersReference": "SR-220818-01",
                                                                                                            "valueDate": 1683676800,
                                                                                                            "error": {
                                                                                                                "code": "KEY-1006",
                                                                                                                "title": "Required field missing",
                                                                                                                "description": "The object creditPartyBank is required in the request."
                                                                                                            }
                                                                                                        }
                                                                                                    }

Received request is unauthorized

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (401)

{
                                                                                                        "ErrorMessage": "Error received from backend service.",
                                                                                                        "TransactionId": "rrt-621075741872460927-c-gce-9129-15867185-4",
                                                                                                        "X-CorrelationId": "80457bcb-2c3b-8c55-8cd6-3520c3157e8f",
                                                                                                        "TransactionTime": "2022-04-04T11:41:13.754Z",
                                                                                                        "ServiceError": {
                                                                                                            "status": "ERROR",
                                                                                                            "transactionId": "rrt-621075741872460927",
                                                                                                            "requestReference": "REQUEST-REF-220314.1",
                                                                                                            "sendersReference": "SENDER-REF-220314.1",
                                                                                                            "valueDate": "06-10-2023",
                                                                                                            "error": {
                                                                                                                "code": "KEY-0006",
                                                                                                                "title": "Not authorized for requested service",
                                                                                                                "description": "Check your credentials."
                                                                                                            },
                                                                                                            "doddFrank": "NO"
                                                                                                        }
                                                                                                    }

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (403)

{
                                                                                                        "ErrorMessage": "Access to requested resource is forbidden.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                                                                                                    }

Resource not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (404)

{
                                                                                                        "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                                                                                                    }

Requested method is not allowed.

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (405)

{
                                                                                                        "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                                                                                                    }

Requested unsupported media type

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (415)

{
                                                                                                        "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                                                                                                    }

Too many requests received

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (429)

{
                                                                                                        "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                                                                                                    }

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (500)

{
                                                                                                        "ErrorMessage": "Error received from backend service.",
                                                                                                        "TransactionId": "359681587523_SR-RMC-210729-11081",
                                                                                                        "X-CorrelationId": "7ad7fdfb-2ade-a3ab-b97c-523dc5312688",
                                                                                                        "TransactionTime": "2022-04-05T07:59:15.422Z",
                                                                                                        "ServiceError": {
                                                                                                            "status": "ERROR",
                                                                                                            "transactionId": "rrt-621075741872460927",
                                                                                                            "requestReference": "RR-RMC-210720-0123458981",
                                                                                                            "sendersReference": "SR-RMC-210729-11081",
                                                                                                            "valueDate": "06-10-2023",
                                                                                                            "error": {
                                                                                                                "code": "KEY-9999",
                                                                                                                "title": "Unknown error",
                                                                                                                "description": "Payment Initiation ServiceException: AUTHENTICATION_FAILURE Unable to logon with the supplied credentials.",
                                                                                                                "detail": {
                                                                                                                    "code": "KEY-9999",
                                                                                                                    "title": "Unknown error",
                                                                                                                    "description": "Additional information about error code."
                                                                                                                }
                                                                                                            },
                                                                                                            "doddFrank": "NO"
                                                                                                        }
                                                                                                    }

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (502)

{
                                                                                                        "ErrorMessage": "Error received from backend service.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                                                                                                        "ServiceError": {
                                                                                                            "ConnectError": "Connectivity error occurred with the downstream service (unexpected EOF at target). Please check with application support team before resubmitting the request"
                                                                                                        }
                                                                                                    }

Service Unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (503)

{
                                                                                                        "ErrorMessage": "Error received from backend service.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                                                                                                        "ServiceError": {
                                                                                                            "ConnectError": "Service is currently unavailable (NoActiveTargets), please check with application support before resubmitting the request."
                                                                                                        }
                                                                                                    }

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (504)

{
                                                                                                        "ErrorMessage": "Your request took too long to process. Please try again.",
                                                                                                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                                                                                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                                                                                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                                                                                                        "ServiceError": {
                                                                                                            "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
                                                                                                        }
                                                                                                    }

Get information about one RTP participant

get /rtp/v1/payment/rtp/participant/{routingNumber}

This call returns information about a single RTP participant. Use the routing number of the financial institution to search for the RTP participant.

Request

path FIELD	TYPE	DESCRIPTION
routingNumberrequired	string	Routing number of the participating RTP bank.

header FIELD	TYPE	DESCRIPTION
KeyClientIdrequired	string	This value is provided by KeyBank during onboarding and is different from your client credentials. This is required for each call for RTP or Wire transactions.

Request example

curl --location: 'https://partner-api-qv.keybank.com/rtp/v1/payment/rtp/participant/12345678
                    --header 'KeyClientId: testwUhSQADUD4DwYyZz2hZkwLqsoFGK'
                    --header 'Accept: application/json'
                    --header 'Authorization: Bearer testZcKJDWnwDWmmf9qah6PJvPy8'

Responses

Successful response

NAME	TYPE	DESCRIPTION
namerequired	string	Name of the party. This can be an individual, a financial institution, or a beneficiary. The name cannot exceed 140 characters.
accountNumberoptional	string	Account number of the party.
abaoptional	string	If the party is a financial institution, this is the ABA number or routing number. This cannot exceed 9 numbers.
bicoptional	string	The bank identifier code (BIC) for the party. This is a combination code that identifies the bank, country, location, and possibly the bank branch.
txidoptional	string	The tax identification number for the party.
foreignBankSystemIdoptional	Object	foreignBankSystemType
adrLineoptional	array	An unstructured address line. You can have up to three lines of text that each cannot exceed 70 characters.

Response example (200)

{
                                            "name": "KeyBank National Association",
                                            "accountNumber": "8756654",
                                            "aba": "125200879",
                                            "bic": "KEYUSL2XXX",
                                            "txid": "fa125da513hj135j42b5",
                                            "foreignBankSystemId": {
                                                "type": "USABA"
                                            },
                                            "postalAddress": {
                                                "adrLine": [
                                                    "123 Keybank Street",
                                                    "Cleveland, OH"
                                                ]
                                            }
                                        }

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (400)

{
                                            "ErrorMessage": "Error received from backend service.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "US21052400000000",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z",
                                            "ServiceError": {
                                                "status": "FAILED",
                                                "transactionId": "rrt-770941720727587-2383364-1",
                                                "requestReference": "RR-220818-01",
                                                "sendersReference": "SR-220818-01",
                                                "valueDate": 1683676800,
                                                "error": {
                                                    "code": "KEY-1006",
                                                    "title": "Required field missing",
                                                    "description": "The object creditPartyBank is required in the request."
                                                }
                                            }
                                        }

Received request is unauthorized

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (401)

{
                                            "ErrorMessage": "Error received from backend service.",
                                            "TransactionId": "rrt-621075741872460927-c-gce-9129-15867185-4",
                                            "X-CorrelationId": "80457bcb-2c3b-8c55-8cd6-3520c3157e8f",
                                            "TransactionTime": "2022-04-04T11:41:13.754Z",
                                            "ServiceError": {
                                                "status": "ERROR",
                                                "transactionId": "rrt-621075741872460927",
                                                "requestReference": "REQUEST-REF-220314.1",
                                                "sendersReference": "SENDER-REF-220314.1",
                                                "valueDate": "06-10-2023",
                                                "error": {
                                                    "code": "KEY-0006",
                                                    "title": "Not authorized for requested service",
                                                    "description": "Check your credentials."
                                                },
                                                "doddFrank": "NO"
                                            }
                                        }

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (403)

{
                                            "ErrorMessage": "Access to requested resource is forbidden.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z"
                                        }

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (404)

{
                                            "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z"
                                        }

Requested method is not allowed.

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (405)

{
                                            "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z"
                                        }

Requested unsupported media type

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (415)

{
                                            "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z"
                                        }

Too many requests received

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (429)

{
                                            "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z"
                                        }

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (500)

{
                                            "ErrorMessage": "Error received from backend service",
                                            "TransactionId": "359681587523_SR-RMC-210729-11081",
                                            "X-CorrelationId": "7ad7fdfb-2ade-a3ab-b97c-523dc5312688",
                                            "TransactionTime": "2022-04-05T07:59:15.422Z",
                                            "ServiceError": {
                                                "status": "ERROR",
                                                "transactionId": "rrt-621075741872460927",
                                                "requestReference": "REQUEST-REF-220314.1",
                                                "sendersReference": "SENDER-REF-220314.1",
                                                "valueDate": "06-10-2023",
                                                "error": {
                                                    "code": "KEY-9999",
                                                    "title": "Unknown error",
                                                    "description": "Payment Initiation ServiceException: AUTHENTICATION_FAILURE Unable to logon with the supplied credentials."
                                                },
                                                "doddFrank": "NO"
                                            }
                                        }

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (502)

{
                                            "ErrorMessage": "Error received from backend service.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z",
                                            "ServiceError": {
                                                "ConnectError": "Connectivity error occurred with the downstream service (unexpected EOF at target). Please check with application support team before resubmitting the request"
                                            }
                                        }

Service Unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (503)

{
                                            "ErrorMessage": "Error received from backend service.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z",
                                            "ServiceError": {
                                                "ConnectError": "Service is currently unavailable (NoActiveTargets), please check with application support before resubmitting the request."
                                            }
                                        }

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (504)

{
                                            "ErrorMessage": "Error received from backend service.",
                                            "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                                            "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                                            "TransactionTime": "2021-06-11T16:31:34.041Z",
                                            "ServiceError": {
                                                "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
                                            }
                                        }

Get the status with the transaction ID

get /rtp/v1/payment/status/transactionId/{transactionId}

Get the status of a RTP transaction or a wire transfer.

Request

path FIELD	TYPE	DESCRIPTION
transactionIdrequired	string	The clearing system reference number (the US transaction number).

header FIELD	TYPE	DESCRIPTION
KeyClientIdrequired	string	This value is provided by KeyBank during onboarding and is different from your client credentials. This is required for each call for RTP or Wire transactions.

Request example

curl --location: 'https://partner-api-qv.keybank.com/rtp/v1/payment/status/transactionId/test123321'
--header 'KeyClientId: testwUhSQADUD4DwYyZz2hZkwLqsoFGK'
--header 'Accept: application/json'
--header 'Authorization: Bearer testZcKJDWnwDWmmf9qah6PJvPy8'

Responses

Successful response

NAME	TYPE	DESCRIPTION
statusrequired	Object	paymentStatus
transactionIdoptional	string	The unique ID number associated with the original payment request.
requestReferenceoptional	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 35 characters.
sendersReferenceoptional	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 32 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
debitAccountNumberoptional	string	Debit account number. This cannot exceed 34 digits.
creditAccountNumberoptional	string	Credit account number. This cannot exceed 34 digits.
valueDateoptional	string	The date (YYYY-MM-DD) the transfer occurred.
transferAmountoptional	integer	Amount of money to transfer in the correct currency format.
transferCurrencyoptional	string	Currency code for the transfer amount.
erroroptional	Object	paymentError
doddFrankoptional	Object	noYesType
clearingSystemReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.

Response example (200)

{
                        "status": "COMPLETED",
                        "transactionId": "US21052400000000",
                        "requestReference": "RR-KEY-999999-01",
                        "sendersReference": "SR-KEY-999999-01",
                        "receiversReference": "INVC0054321",
                        "debitAccountNumber": "12345",
                        "creditAccountNumber": "987654321",
                        "valueDate": "2023-05-08",
                        "transferAmount": 10,
                        "transferCurrency": "USD",
                        "doddFrank": "NO"
                    }

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (400)

{
                        "ErrorMessage": "Error received from backend service.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "US21052400000000",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "status": "FAILED",
                            "transactionId": "rrt-770941720727587-2383364-1",
                            "requestReference": "RR-220818-01",
                            "sendersReference": "SR-220818-01",
                            "valueDate": 1683676800,
                            "error": {
                                "code": "KEY-1006",
                                "title": "Required field missing",
                                "description": "The object creditPartyBank is required in the request."
                            }
                        }
                    }

Received request is unauthorized

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (401)

{
                        "ErrorMessage": "Error received from backend service.",
                        "TransactionId": "rrt-621075741872460927-c-gce-9129-15867185-4",
                        "X-CorrelationId": "80457bcb-2c3b-8c55-8cd6-3520c3157e8f",
                        "TransactionTime": "2022-04-04T11:41:13.754Z",
                        "ServiceError": {
                            "status": "ERROR",
                            "transactionId": "rrt-621075741872460927",
                            "requestReference": "REQUEST-REF-220314.1",
                            "sendersReference": "SENDER-REF-220314.1",
                            "valueDate": "06-10-2023",
                            "error": {
                                "code": "KEY-0006",
                                "title": "Not authorized for requested service",
                                "description": "Check your credentials."
                            },
                            "doddFrank": "NO"
                        }
                    }

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (403)

{
                        "ErrorMessage": "Access to requested resource is forbidden.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (404)

{
                        "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested method is not allowed

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (405)

{
                        "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested unsupported media type

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (415)

{
                        "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Too many requests received

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (429)

{
                        "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (500)

{
                        "ErrorMessage": "Error received from backend service.",
                        "TransactionId": "359681587523_SR-RMC-210729-11081",
                        "X-CorrelationId": "7ad7fdfb-2ade-a3ab-b97c-523dc5312688",
                        "TransactionTime": "2022-04-05T07:59:15.422Z",
                        "ServiceError": {
                            "status": "ERROR",
                            "transactionId": "rrt-621075741872460927",
                            "requestReference": "REQUEST-REF-220314.1",
                            "sendersReference": "SENDER-REF-220314.1",
                            "valueDate": "06-10-2023",
                            "error": {
                                "code": "KEY-9999",
                                "title": "Unknown error",
                                "description": "Payment Initiation ServiceException: AUTHENTICATION_FAILURE Unable to logon with the supplied credentials."
                            },
                            "doddFrank": "NO"
                        }
                    }

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (502)

{
                        "ErrorMessage": "Error received from backend service",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Connectivity error occurred with the downstream service (unexpected EOF at target). Please check with application support team before resubmitting the request"
                        }
                    }

Service Unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (503)

{
                        "ErrorMessage": "Error received from backend service.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Service is currently unavailable (NoActiveTargets), please check with application support before resubmitting the request."
                        }
                    }

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (504)

{
                        "ErrorMessage": "Your request took too long to process. Please try again.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
                        }
                    }

Get the status with the request reference number

get /rtp/v1/payment/status/debitAccount/{debitAccount}/reference/{reference}

Get the status of a payment with the debit account number of the payment originator and the request reference number. This call is typically used for troubleshooting an issue with timing or a technical error with a payment transaction. You can assign a request reference number when you initiate or validate a payment. This number is metadata for backend traceability and is not sent with the payment. Use this number with the debit account number for the originating payment. The account number and request reference number must be unique; you cannot use the same request reference number for different transactions.

Request

path FIELD	TYPE	DESCRIPTION
debitAccountrequired	string	The debit account number of the originator.
referencerequired	string	The clearing system reference number (the US transaction number).

header FIELD	TYPE	DESCRIPTION
KeyClientIdrequired	string	This value is provided by KeyBank during onboarding and is different from your client credentials. This is required for each call for RTP or Wire transactions.

Request example

curl --location: 'https://partner-api-qv.keybank.com/rtp/v1/payment/status/debitAccount/12345/reference/RR-KEY-999999-01'
--header 'KeyClientId: testwUhSQADUD4DwYyZz2hZkwLqsoFGK'
--header 'Accept: application/json'
--header 'Authorization: Bearer testZcKJDWnwDWmmf9qah6PJvPy8'

Responses

Successful response

NAME	TYPE	DESCRIPTION
statusrequired	Object	paymentStatus
transactionIdoptional	string	The unique ID number associated with the original payment request.
requestReferenceoptional	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 35 characters.
sendersReferenceoptional	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 32 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
debitAccountNumberoptional	string	Debit account number. This cannot exceed 34 digits.
creditAccountNumberoptional	string	Credit account number. This cannot exceed 34 digits.
valueDateoptional	string	The date (YYYY-MM-DD) the transfer occurred.
transferAmountoptional	integer	Amount of money to transfer in the correct currency format.
transferCurrencyoptional	string	Currency code for the transfer amount.
erroroptional	Object	paymentError
doddFrankoptional	Object	noYesType
clearingSystemReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.

Response example (200)

{
                        "status": "COMPLETED",
                        "transactionId": "US21052400000000",
                        "requestReference": "RR-KEY-999999-01",
                        "sendersReference": "SR-KEY-999999-01",
                        "receiversReference": "INVC0054321",
                        "debitAccountNumber": "12345",
                        "creditAccountNumber": "987654321",
                        "valueDate": "2023-05-08",
                        "transferAmount": 10,
                        "transferCurrency": "USD",
                        "doddFrank": "NO"
                    }

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (400)

{
                        "ErrorMessage": "Error received from backend service.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "US21052400000000",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "status": "FAILED",
                            "transactionId": "rrt-770941720727587-2383364-1",
                            "requestReference": "RR-220818-01",
                            "sendersReference": "SR-220818-01",
                            "valueDate": 1683676800,
                            "error": {
                                "code": "KEY-1006",
                                "title": "Required field missing",
                                "description": "The object creditPartyBank is required in the request."
                            }
                        }
                    }

Received request is unauthorized

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (401)

{
                        "ErrorMessage": "Error received from backend service.",
                        "TransactionId": "rrt-621075741872460927-c-gce-9129-15867185-4",
                        "X-CorrelationId": "80457bcb-2c3b-8c55-8cd6-3520c3157e8f",
                        "TransactionTime": "2022-04-04T11:41:13.754Z",
                        "ServiceError": {
                            "status": "ERROR",
                            "transactionId": "rrt-621075741872460927",
                            "requestReference": "REQUEST-REF-220314.1",
                            "sendersReference": "SENDER-REF-220314.1",
                            "valueDate": "06-10-2023",
                            "error": {
                                "code": "KEY-0006",
                                "title": "Not authorized for requested service",
                                "description": "Check your credentials."
                            },
                            "doddFrank": "NO"
                        }
                    }

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (403)

{
                        "ErrorMessage": "Access to requested resource is forbidden.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (404)

{
                        "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested method is not allowed

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (405)

{
                        "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested unsupported media type

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (415)

{
                        "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Too many requests received

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (429)

{
                        "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (500)

{
                        "ErrorMessage": "Error received from backend service",
                        "TransactionId": "359681587523_SR-RMC-210729-11081",
                        "X-CorrelationId": "7ad7fdfb-2ade-a3ab-b97c-523dc5312688",
                        "TransactionTime": "2022-04-05T07:59:15.422Z",
                        "ServiceError": {
                            "status": "ERROR",
                            "transactionId": "rrt-621075741872460927",
                            "requestReference": "REQUEST-REF-220314.1",
                            "sendersReference": "SENDER-REF-220314.1",
                            "valueDate": "06-10-2023",
                            "error": {
                                "code": "KEY-9999",
                                "title": "Unknown error",
                                "description": "Payment Initiation ServiceException: AUTHENTICATION_FAILURE Unable to logon with the supplied credentials."
                            },
                            "doddFrank": "NO"
                        }
                    }

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (502)

{
                        "ErrorMessage": "Error received from backend service",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Connectivity error occurred with the downstream service (unexpected EOF at target). Please check with application support team before resubmitting the request"
                        }
                    }

Service Unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (503)

{
                        "ErrorMessage": "Error received from backend service.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Service is currently unavailable (NoActiveTargets), please check with application support before resubmitting the request."
                        }
                    }

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (504)

{
                        "ErrorMessage": "Error received from backend service",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
                        }
                    }

Send a real-time payment

post /rtp/v1/payment/initiate

Initiate a RTP payment. Use the requestedService parameter to define the transaction as RTP or Wire. With the party object, you can define the receiver as an individual, corporation, or financial institution in the payment chain.

Request

header FIELD	TYPE	DESCRIPTION
KeyClientIdrequired	string	This value is provided by KeyBank during onboarding and is different from your client credentials. This is required for each call for RTP or Wire transactions.

BODY FIELD	TYPE	DESCRIPTION
requestedServicerequired	string	The type of payment transaction. The transaction request is valid only for the API products with granted access. Valid values: RTP, WIRE
requestReferencerequired	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 32 characters.
typerequired	string	For RTP, the type can show if the transaction is a PAYMENT or a DRAFT. For Wire transfers, the type is always DRAFT.
requestedValueDaterequired	string	Date (YYYY-MM-DD) the transfer will occur.
originatorReferenceoptional	string	An additional reference value that is meaningful to the party originating the payment.
sendersReferencerequired	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 35 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
bankToBankInstructionsoptional	string	Area to share messages or instructions from one bank to another bank. This cannot exceed 140 characters.
ultimateDebitPartyoptional	Object	ultParty
debitPartyrequired	Object	party
debitPartyBankoptional	Object	party
intermediaryBank1optional	Object	party
intermediaryBank2optional	Object	party
intermediaryBank3optional	Object	party
creditPartyBankrequired	Object	party
creditPartyrequired	Object	party
transferAmountrequired	number	Amount of money to transfer in the correct currency format.
transferCurrencyrequired	string	Currency code for the transfer amount.
externalTemplateNameoptional	string	Name of the external template. Text cannot exceed 2048 characters.
customDataoptional	string	The values for custom data is defined by the client. This free-form text field can contain up to 500 alphanumeric characters. Custom information stays with the transaction through its lifecycle.

Request example

{
                        "requestedService": "RTP",
                        "requestReference": "AZX01234567891011",
                        "type": "PAYMENT",
                        "sendersReference": "INVC0012345",
                        "receiversReference": "INVC0054321",
                        "requestedValueDate": 1621814400,
                        "debitParty": {
                            "name": "YOUR COMPANY NAME HERE",
                            "accountNumber": "001122334455"
                        },
                        "creditPartyBank": {
                            "name": "BENEFICIARY BANK NAME",
                            "aba": "000000000"
                        },
                        "creditParty": {
                            "name": "BENEFICIARY NAME",
                            "accountNumber": "987654321",
                            "postalAddress": {
                                "adrLine": [
                                    "BENEFICIARY ADDRESS LINE 1",
                                    "BENEFICIARY ADDRESS LINE 2"
                                ]
                            }
                        },
                        "transferAmount": 10,
                        "transferCurrency": "USD"
                    }

Responses

Successful response

NAME	TYPE	DESCRIPTION
statusrequired	Object	paymentStatus
transactionIdoptional	string	The unique ID number associated with the original payment request.
requestReferenceoptional	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 35 characters.
sendersReferenceoptional	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 32 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
debitAccountNumberoptional	string	Debit account number. This cannot exceed 34 digits.
creditAccountNumberoptional	string	Credit account number. This cannot exceed 34 digits.
valueDateoptional	string	The date (YYYY-MM-DD) the transfer occurred.
transferAmountoptional	integer	Amount of money to transfer in the correct currency format.
transferCurrencyoptional	string	Currency code for the transfer amount.
erroroptional	Object	paymentError
doddFrankoptional	Object	noYesType
clearingSystemReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.

Response example (200)

{
                        "status": "IN_PROCESS",
                        "transactionId": "US23050800214592",
                        "requestReference": "AZX01234567891011",
                        "sendersReference": "INVC0012345",
                        "receiversReference": "INVC0054321",
                        "debitAccountNumber": "001122334455",
                        "creditAccountNumber": "987654321",
                        "valueDate": "2023-05-08",
                        "transferAmount": 10,
                        "transferCurrency": "USD"
                    }

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (400)

{
                        "ErrorMessage": "Error received from backend service.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "US21052400000000",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "status": "FAILED",
                            "transactionId": "rrt-770941720727587-2383364-1",
                            "requestReference": "RR-220818-01",
                            "sendersReference": "SR-220818-01",
                            "valueDate": 1683676800,
                            "error": {
                                "code": "KEY-1006",
                                "title": "Required field missing",
                                "description": "The object creditPartyBank is required in the request."
                            }
                        }
                    }

Received request is unauthorized

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (401)

{
                        "ErrorMessage": "Error received from backend service.",
                        "TransactionId": "rrt-621075741872460927-c-gce-9129-15867185-4",
                        "X-CorrelationId": "80457bcb-2c3b-8c55-8cd6-3520c3157e8f",
                        "TransactionTime": "2022-04-04T11:41:13.754Z",
                        "ServiceError": {
                            "status": "ERROR",
                            "transactionId": "rrt-621075741872460927",
                            "requestReference": "REQUEST-REF-220314.1",
                            "sendersReference": "SENDER-REF-220314.1",
                            "valueDate": "06-10-2023",
                            "error": {
                                "code": "KEY-0006",
                                "title": "Not authorized for requested service",
                                "description": "Check your credentials."
                            },
                            "doddFrank": "NO"
                        }
                    }

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (403)

{
                        "ErrorMessage": "Access to requested resource is forbidden.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (404)

{
                        "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested method is not allowed.

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (405)

{
                        "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Requested unsupported media type

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (415)

{
                        "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Too many requests received

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (429)

{
                        "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z"
                    }

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (500)

{
                        "ErrorMessage": "Error received from backend service.",
                        "TransactionId": "359681587523_SR-RMC-210729-11081",
                        "X-CorrelationId": "7ad7fdfb-2ade-a3ab-b97c-523dc5312688",
                        "TransactionTime": "2022-04-05T07:59:15.422Z",
                        "ServiceError": {
                            "status": "ERROR",
                            "transactionId": "rrt-621075741872460927",
                            "requestReference": "RR-RMC-210720-0123458981",
                            "sendersReference": "SR-RMC-210729-11081",
                            "valueDate": "06-10-2023",
                            "error": {
                                "code": "KEY-9999",
                                "title": "Unknown error",
                                "description": "Payment Initiation ServiceException: AUTHENTICATION_FAILURE Unable to logon with the supplied credentials."
                            },
                            "doddFrank": "NO"
                        }
                    }

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (502)

{
                        "ErrorMessage": "Error received from backend service.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Connectivity error occurred with the downstream service (unexpected EOF at target). Please check with application support team before resubmitting the request"
                        }
                    }

Service Unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (503)

{
                        "ErrorMessage": "Error received from backend service.",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Service is currently unavailable (NoActiveTargets), please check with application support before resubmitting the request."
                        }
                    }

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (504)

{
                        "ErrorMessage": "Error received from backend service",
                        "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
                        "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
                        "TransactionTime": "2021-06-11T16:31:34.041Z",
                        "ServiceError": {
                            "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
                        }
                    }

Perform validation checks

post /rtp/v1/payment/validate

This call performs all the validation checks needed to initiate a payment without creating a payment.

Request

header FIELD	TYPE	DESCRIPTION
KeyClientIdrequired	string	This value is provided by KeyBank during onboarding and is different from your client credentials. This is required for each call for RTP or Wire transactions.

BODY FIELD	TYPE	DESCRIPTION
requestedServicerequired	string	The type of payment transaction. The transaction request is valid only for the API products with granted access. Valid values: RTP, WIRE
requestReferencerequired	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 32 characters.
typerequired	string	For RTP, the type can show if the transaction is a PAYMENT or a DRAFT. For Wire transfers, the type is always DRAFT.
requestedValueDaterequired	string	Date (YYYY-MM-DD) the transfer will occur.
originatorReferenceoptional	string	An additional reference value that is meaningful to the party originating the payment.
sendersReferencerequired	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 35 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
bankToBankInstructionsoptional	string	Area to share messages or instructions from one bank to another bank. This cannot exceed 140 characters.
ultimateDebitPartyoptional	Object	ultParty
debitPartyrequired	Object	party
debitPartyBankoptional	Object	party
intermediaryBank1optional	Object	party
intermediaryBank2optional	Object	party
intermediaryBank3optional	Object	party
creditPartyBankrequired	Object	party
creditPartyrequired	Object	party
transferAmountrequired	number	Amount of money to transfer in the correct currency format.
transferCurrencyrequired	string	Currency code for the transfer amount.
externalTemplateNameoptional	string	Name of the external template. Text cannot exceed 2048 characters.
customDataoptional	string	The values for custom data is defined by the client. This free-form text field can contain up to 500 alphanumeric characters. Custom information stays with the transaction through its lifecycle.

Request example

{
    "requestedService": "RTP",
    "requestReference": "AZX01234567891011",
    "type": "PAYMENT",
    "requestedValueDate": 1621814400,
    "originatorReference": "",
    "sendersReference": "INVC0012345",
    "receiversReference": "INVC0054321",
    "ultimateDebitParty": {
        "name": ""
    },
    "debitParty": {
        "name": "YOUR COMPANY NAME HERE",
        "accountNumber": "001122334455"
    },
    "debitPartyBank": {
        "name": ""
    },
    "creditPartyBank": {
        "name": "BENEFICIARY BANK NAME",
        "aba": "000000000"
    },
    "creditParty": {
        "name": "BENEFICIARY NAME",
        "accountNumber": "987654321",
        "postalAddress": {
            "adrLine": [
                "BENEFICIARY ADDRESS LINE 1",
                "BENEFICIARY ADDRESS LINE 2"
            ]
        }
    },
    "transferAmount": 10,
    "transferCurrency": "USD",
    "customData": ""
}

Responses

Successful response

NAME	TYPE	DESCRIPTION
statusrequired	Object	paymentStatus
transactionIdoptional	string	The unique ID number associated with the original payment request.
requestReferenceoptional	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 35 characters.
sendersReferenceoptional	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 32 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
debitAccountNumberoptional	string	Debit account number. This cannot exceed 34 digits.
creditAccountNumberoptional	string	Credit account number. This cannot exceed 34 digits.
valueDateoptional	string	The date (YYYY-MM-DD) the transfer occurred.
transferAmountoptional	integer	Amount of money to transfer in the correct currency format.
transferCurrencyoptional	string	Currency code for the transfer amount.
erroroptional	Object	paymentError
doddFrankoptional	Object	noYesType
clearingSystemReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.

Response example (200)

{
    "status": "VALID",
    "transactionId": "XZ23050714000000",
    "requestReference": "testWBB25889710252",
    "sendersReference": "INVC0012345",
    "receiversReference": "INVC0054321",
    "debitAccountNumber": "12345",
    "creditAccountNumber": "987654321",
    "transferAmount": 10,
    "transferCurrency": "USD"
}

Missing data in the request

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (400)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "US21052400000000",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "status": "FAILED",
        "transactionId": "rrt-770941720727587-2383364-1",
        "requestReference": "RR-220818-01",
        "sendersReference": "SR-220818-01",
        "valueDate": 1683676800,
        "error": {
            "code": "KEY-1006",
            "title": "Required field missing",
            "description": "The object creditPartyBank is required in the request."
        }
    }
}

Received request is unauthorized

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (401)

{
    "ErrorMessage": "Error received from backend service.",
    "TransactionId": "rrt-621075741872460927-c-gce-9129-15867185-4",
    "X-CorrelationId": "80457bcb-2c3b-8c55-8cd6-3520c3157e8f",
    "TransactionTime": "2022-04-04T11:41:13.754Z",
    "ServiceError": {
        "status": "ERROR",
        "transactionId": "rrt-621075741872460927",
        "requestReference": "REQUEST-REF-220314.1",
        "sendersReference": "SENDER-REF-220314.1",
        "valueDate": "06-10-2023",
        "error": {
            "code": "KEY-0006",
            "title": "Not authorized for requested service",
            "description": "Check your credentials."
        },
        "doddFrank": "NO"
    }
}

Request is forbidden to access the resource

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (403)

{
    "ErrorMessage": "Access to requested resource is forbidden.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested resource is not found

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (404)

{
    "ErrorMessage": "Requested resource is not found, please verify the resource and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested method is not allowed

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (405)

{
    "ErrorMessage": "Requested method is not allowed, please verify the method and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Requested unsupported media type

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (415)

{
    "ErrorMessage": "Requested media type is not allowed, please verify the media type and resubmit the request.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Too many requests received

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (429)

{
    "ErrorMessage": "Number requests threshold reached, please resubmit the request after sometime.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z"
}

Internal server error

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (500)

{
    "ErrorMessage": "Error received from backend service.",
    "TransactionId": "359681587523_SR-RMC-210729-11081",
    "X-CorrelationId": "7ad7fdfb-2ade-a3ab-b97c-523dc5312688",
    "TransactionTime": "2022-04-05T07:59:15.422Z",
    "ServiceError": {
        "status": "ERROR",
        "transactionId": "rrt-621075741872460927",
        "requestReference": "REQUEST-REF-220314.1",
        "sendersReference": "SENDER-REF-220314.1",
        "valueDate": "06-10-2023",
        "error": {
            "code": "KEY-9999",
            "title": "Unknown error",
            "description": "Payment Initiation ServiceException: AUTHENTICATION_FAILURE Unable to logon with the supplied credentials.",
            "detail": {
                "code": "KEY-1005",
                "title": "Error",
                "description": "Additional information about error code."
            }
        },
        "doddFrank": "NO"
    }
}

Bad Gateway

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (502)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Connectivity error occurred with the downstream service (unexpected EOF at target). Please check with application support team before resubmitting the request"
    }
}

Service Unavailable

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (503)

{
    "ErrorMessage": "Error received from backend service.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Service is currently unavailable (NoActiveTargets), please check with application support before resubmitting the request."
    }
}

Gateway timeout

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

Response example (504)

{
    "ErrorMessage": "Your request took too long to process. Please try again.",
    "X-CorrelationId": "2ebd5c24-0e8d-5a70-0e91-ffd2727c1aab",
    "TransactionId": "rrt-7709400285867417207-b-gce-27587-2383364-1",
    "TransactionTime": "2021-06-11T16:31:34.041Z",
    "ServiceError": {
        "ConnectError": "Request could not be processed on time (gateway timeout). Please wait a moment and resubmit the request."
    }
}

Schemas

exception

NAME	TYPE	DESCRIPTION
ErrorMessageoptional	string	A human-readable message that describes the type or source of the error.
TransactionIdoptional	string	A unique transaction ID returned with the response, useful for traceability.
TransactionTimeoptional	string	Date (YYYY-MM-DD) and time (HH:MM:SS) the error occurred.
ServiceErroroptional	oneOf	serviceErrorData connectError

serviceErrorData

NAME	TYPE	DESCRIPTION
statusrequired	Object	paymentStatus
transactionIdoptional	string	The unique ID number associated with the original payment request.
requestReferenceoptional	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 35 characters.
sendersReferenceoptional	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 35 characters.
receiversReferenceoptional	string	The sender reference value from the original request. This is useful for traceability and reporting.
debitAccountNumberoptional	string	The sender reference value from the original request. This is useful for traceability and reporting.
creditAccountNumberoptional	string	The sender reference value from the original request. This is useful for traceability and reporting.
valueDateoptional	string	The date (YYYY-MM-DD) the transferred occurred.
erroroptional	Object	paymentError
doddFrankoptional	Object	noYesType

connectError

NAME	TYPE	DESCRIPTION
ConnectErroroptional	string	API connectivity error information, if available.

paymentTransactionRequestV1

NAME	TYPE	DESCRIPTION
requestedServicerequired	string	The type of payment transaction. The transaction request is valid only for the API products with granted access. Valid values: RTP, WIRE
requestReferencerequired	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 32 characters.
typerequired	string	For RTP, the type can show if the transaction is a PAYMENT or a DRAFT. For Wire transfers, the type is always DRAFT.
requestedValueDaterequired	string	Date (YYYY-MM-DD) the transfer will occur.
originatorReferenceoptional	string	An additional reference value that is meaningful to the party originating the payment.
sendersReferencerequired	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 35 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
bankToBankInstructionsoptional	string	Area to share messages or instructions from one bank to another bank. This cannot exceed 140 characters.
ultimateDebitPartyoptional	Object	ultParty
debitPartyrequired	Object	party
debitPartyBankoptional	Object	party
intermediaryBank1optional	Object	party
intermediaryBank2optional	Object	party
intermediaryBank3optional	Object	party
creditPartyBankrequired	Object	party
creditPartyrequired	Object	party
transferAmountrequired	number	Amount of money to transfer in the correct currency format.
transferCurrencyrequired	string	Currency code for the transfer amount.
externalTemplateNameoptional	string	Name of the external template. Text cannot exceed 2048 characters.
customDataoptional	string	The values for custom data is defined by the client. This free-form text field can contain up to 500 alphanumeric characters. Custom information stays with the transaction through its lifecycle.

party

NAME	TYPE	DESCRIPTION
namerequired	string	Name of the party. This can be an individual, a financial institution, or a beneficiary. The name cannot exceed 140 characters.
accountNumberoptional	string	Account number of the party.
abaoptional	string	If the party is a financial institution, this is the ABA number or routing number. This cannot exceed 9 numbers.
bicoptional	string	The bank identifier code (BIC) for the party. This is a combination code that identifies the bank, country, location, and possibly the bank branch.
txidoptional	string	The tax identification number for the party.
foreignBankSystemIdoptional	Object	foreignBankSystemType
adrLineoptional	array	An unstructured address line. You can have up to three lines of text that each cannot exceed 70 characters.

participantListResponse

NAME	TYPE	DESCRIPTION
countrequired	string	The count of records that match the initial query.
limitrequired	integer	The maximum number of records returned in the response.
offsetrequired	integer	The number of records skipped before the response is returned.
partiesoptional	Object	party

foreignBankSystemType

NAME	TYPE	DESCRIPTION
typeoptional	string	The five-digit global routing code for a foreign financial institution.
idoptional	string	The identification number associated with the foreign financial institution.

paymentTransactionResponse

NAME	TYPE	DESCRIPTION
statusrequired	Object	paymentStatus
transactionIdoptional	string	The unique ID number associated with the original payment request.
requestReferenceoptional	string	A reference value for the original request that is useful for traceability and reporting. The ID cannot exceed 35 characters.
sendersReferenceoptional	string	A reference value provided by the sender. For outbound payments, this value is the same as the transaction ID. The ID cannot exceed 32 characters.
receiversReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.
debitAccountNumberoptional	string	Debit account number. This cannot exceed 34 digits.
creditAccountNumberoptional	string	Credit account number. This cannot exceed 34 digits.
valueDateoptional	string	The date (YYYY-MM-DD) the transfer occurred.
transferAmountoptional	integer	Amount of money to transfer in the correct currency format.
transferCurrencyoptional	string	Currency code for the transfer amount.
erroroptional	Object	paymentError
doddFrankoptional	Object	noYesType
clearingSystemReferenceoptional	string	A reference value for the beneficiary. This value cannot exceed 140 characters.

paymentStatus

NAME	TYPE	DESCRIPTION
paymentStatusoptional	string	The status of the payment transaction. Valid values: IN_PROCESS, IN_REVIEW, COMPLETED, FAILED, RETURNED, ERROR, VALID

paymentError

NAME	TYPE	DESCRIPTION
coderequired	string	Status code assigned to each error type.
titlerequired	string	Brief title about the error associated with the status code.
descriptionoptional	string	Description of the error.
codeoptional	string	A static code assigned by the network or payment system.
titleoptional	string	Brief title about the error associated with the status code.
descriptionoptional	string	Description of the error

noYesType

NAME	TYPE	DESCRIPTION
noYesTypeoptional	string	This field indicates whether the transaction qualifies for Dodd-Frank.

ultParty

NAME	TYPE	DESCRIPTION
nameoptional	string	Typically this is the name of the party that instructed the debit party to initiate a payment. This value cannot exceed 140 characters.

Errors

When an error occurs, the paymentTransactionResponse object returns with the paymentStatus of ERROR or FAILED. Certain violations report with an HTTP 200 response for issues where the API service successfully receives the request, but it encounters errors. KeyBank may include additional information about the error in API-specific error messages.

For more information about errors, see Error handling.

API-specific KeyBank error codes and details are in the error object of the response payload. Issues signify a failed payment that could have been caused by account restrictions, network timeout, or invalid data in the request.

API specific KeyBank codes and messages

CODE	MESSAGE
KEY-0001	Not authorized
KEY-0002	Not authorized for requested action
KEY-0003	Request exceeds authorized limit
KEY-0004	Unauthorized for account
KEY-0005	Internal use only fields
KEY-0006	Not authorized for requested service
KEY-1000	Transformation Error
KEY-1001	Invalid Data
KEY-1002	Invalid Bank Identifier
KEY-1003	Invalid or unknown template
KEY-1004	Invalid account
KEY-1005	Invalid Currency
KEY-1006	Required field missing
KEY-1007	Transaction Not Found
KEY-1008	Insufficient Funds
KEY-1009	Account has restrictions
KEY-1010	Duplicate Request
KEY-1011	Payor Account Restrictions
KEY-1012	Payee Account Restrictions
KEY-3001	Exceeds transaction limit for RTP transactions
KEY-3002	Field not usable for RTP transactions
KEY-3003	Payment network timeout. Please retry.
KEY-3004	Payment rejected by payment network
KEY-9997	Failed payment review
KEY-9998	Payment failed during processing
KEY-9999	Unknown error

API-specific error example

paymentTransactionResponse:
  { 
      "status": "FAILED", 
      "requestReference": "RR-999999-01", 
      "sendersReference": "SR-999999-01", 
      "error": { 
          "code": "KEY-1002", 
          "title": "Invalid Bank Identifier", 
          "description": "Credit Party Bank must be a valid USRTP Participant" 
      } 
  }

Changelog

Release	API version	Change description	Impact
August 2024	1.2.4	Added clarification to `type` parameter. For RTP the type can be PAYMENT or DRAFT. For wire transfers, the type will always be DRAFT.	MID
May 2024	1.2.3	`KeyClientId` is required for all endpoints, including GET calls.	MID
March 2024	1.2.1	Added 'IN_REVIEW' as a valid value for `status` in the `paymentStatus` object. Added new parameters to `paymentTransactionRequestV1`: `bankToBankInstructions` `debitPartyInstructions` `intermediaryBank1` `intermediaryBank2` `intermediaryBank3` `externalTemplateName` Added the `clearingSystemReference` in the `paymentTransactionResponse` object. Added the following parameter to `serviceErrorData`: `receiversReference` `debitAccountNumber` `creditAccountNumber` Changed min/max limits for the following parameters: `requestReference` and `sendersReference` changed from maxLength 35 to 32 with a minLength of 1. Added parameter limits for `originatorReference` with a minLength of 1 and a maxLength of 35. Added parameter limit for `transferAmount` with a maximum of 18 digits (which is like quintillion). Added parameter limit for `accountNumber` in the `party` to a minLength of 1. Added parameter limit for `aba` to a maxLength of 9 digits. Added parameter limit for `debitAccountNumber` to a maxLength 34 characters.	HIGH
September 2023	1.1.5	Parameter description updates. This change is for technical content only. The code and operations of the API remain the same. Clarified the `transactionId` for RTP payments is the clearing system reference number.	LOW
December 2022	1.1.3	Released on the Developer Portal.

Impact levels

LOW: This is a minor change or enhancement that does not alter the operations of the API. Upgrading to the latest specifications is preferable but not required.
MID: The previous API version is valid and operates, but does not contain latest enhancements. You need to update your specifications to get these enhancements.
HIGH: The previous API version is no longer operable. You must upgrade to the latest specifications to access and use this API product.

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