Enable finance for infinite possibilities

Cross River's API-driven banking infrastructure embeds financial services across industries and provides the foundation for regulatory compliance upon which our partners grow.

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Together, we're redefining financial services

Built on putting our partners first to provide financial technology for everyone, everywhere.

Instant Payments

FedNow®: the newest payment rail

Deliver instant payments for businesses and consumers across the US. Add FedNow® to your list of faster payment solutions powered by Cross River.

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24/7/365 Fund Settlement

ISO20022 Interoperability with RTP®

Direct Line to the Fed

No 3rd Party Dependencies

“As leaders in faster payments, we continue to offer solutions for instant & secure money movement. By providing FedNow we hope to extend faster payments reach to more US DDAs, support partner growth, and be part of this milestone in financial technology. ”

Keith Vander Leest

Head of Payments

Cross River

“Our modern BaaS platform and consultative approach, combined with our relationships with Visa, Mastercard, and American Express for card issuing provide a strong foundation for our partners to build cutting edge card solutions for their users. ”

Andrew Lambert

Senior Product Director, Cards Strategy

Cross River

Card & Account Programs

Build better card solutions

Design your own card program to enable credit building and a streamlined customer experience. Cross River's card rails and APIs provide complete customization.

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Credit Cards

Debit Cards

Accounts

Issuing

Built for Developers

Technology is at the core of what we do

Build.

Deploy.

Scale.

Access our sandbox environment and explore our APIs. Cross River's solutions are ready to power the banking, payments and lending services you need to scale.

Partner with Cross River's compliance, risk management and implementation teams to bring your products to market.

Once connected, always connected. Cross River's proprietary API-driven banking core seamlessly propels your growth. Expand your customer base and meet growing demands through additional product integrations.



{
  "Loan": {
    "LoanNumber": {{loanNumber}},
    "IssuingBankId": "CRB",
    "Platform": "string",
    "LoanType": 1,
    "NoteDate": "2019-12-31",
    "BorrowerLastName": {{$randomLastName}},
    "BorrowerFirstName": {{$randomFirstName}},
    "BorrowerDOB": "1986-12-31",
    "BorrowerSSN": {{borrowerSSN}},
    "BorrowerAddress": {{borrowerAddress}},
    "BorrowerCity": {{$randomCity}},
    "BorrowerState": {{borrowerState}},
    "BorrowerZip": {{borrowerZip}},
    "LoanAmount": 1500,
    "NetFunding": 1300,
    "Rate": 0.2,
    "APR": "10",
    "BatchId": "string",
    "BorrowerPhone": {{$randomPhoneNumber}},
    "BorrowerEmail": {{$randomEmail}},
    "Amortization": 0,
    "Term": 36,
    "RateType": 0,
    "PriorLoanFlag": "string",
    "FICO": 10,
    "FICODate": "2017-12-31",,
`



{
  "accountNumber": "1234567890",
  "receiver": {
    "routingNumber": "021000021",
    "accountNumber": "456789000",
    "accountType": "Checking",
    "name": "Bob Smith",
    "identification": "XYZ123",
  },
  "secCode": "IAT",
  "description": "Payment",
  "transactionType": "Push",
  "amount": 10000,
  "serviceType": "Standard",
  "iatDetails": {
    "receiver": {
      "address": "123 Maple St",
      "city": "New York",
      "state": "NY",
      "postalCode": "10025",
      "countryCode": "US"
    },
    "receivingBank": {
      "name": "First Bank of Business",
      "identification": "021214862",
      "idQualifier": "01",
      "countryCode": "US"
    }



{
  "sourceSenderId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
  "sourceSenderName": "Smiths",
  "sourceMcc": "5434",
  "requestId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
  "cardToken": "12975twtr423hbs34bn670103",
  "amount": 10
}

Explore API Documentation

Use Cases

Plaid scales its business with faster payments

From their start, Plaid built API technology that could be easily integrated into apps and services for account verification and open banking -- necessary tools for secure money movement.

Use Cases

Credit building through credit cards for SMBs

Create opportunities for small businesses to access credit and integrate budgeting tools by leveraging Cross River's issuing BIN sponsorship and processor options.

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Use Cases

Enabling merchant fund settlement

Connect consumers with the financial portals they need to complete purchases through an acquiring BIN sponsorship program and payment rails like push-to-card.

Use Cases

Fast payments for the gig economy

On demand services call for on demand payments. Faster payment rails like Real-Time Payments and push-to-card help companies meet the needs of customers.

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Use Cases

The path to financial inclusion with innovative credit building tools

Current and Cross River partner to address a pressing challenge in the U.S. financial system: the plight of 26MM underbanked and credit invisible population with innovative credit-building tools.

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Ready to get started?

We bridge the best of both worlds. The technology support you want, combined with the banking expertise you need to create a customized banking solution no matter what your business needs may be.

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Explore API Documentation