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.
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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.

Credit Cards

Debit Cards

Accounts

Issuing

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.

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Andrew Lambert

Senior Product Director, Cards Strategy Cross River

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Our partnership with Cross River is a testament to our commitment to providing merchants with a comprehensive payment solution. With their regulatory infrastructure and expertise in embedded finance, we can offer merchants the latest payment technologies.

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Assaf Cohen

CEO Pay.com

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Merchant Acquiring Services
Efficient solutions for payment processors

Operationalize multiple disbursement flows, including real-time merchant settlements, to scale your business.

Merchant Payouts

Acquiring BIN Sponsorship

Built for Developers

Technology is at the core of what we do

  • { "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",, `
    Explore API Documentation
  • Deploy
  • Scale
  • 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.
Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.
Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.
Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

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.

Cross River’s technology unlocks opportunities for partners across the entirety of the fintech ecosystem, and fosters financial inclusion and access to responsible credit.

Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

Gilles Gade

CEO Cross River

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.

We collaborated with a forward-thinking financial institution to make real-time payments easily accessible to businesses of all sizes. The immediacy of real-time payments will fundamentally change how businesses operate.

Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

Brady Harris

CEO DWOLLA

Use Cases
Card solutions for trucking and transportation

Debit and credit card programs drive efficiency in operations and supply chain management. Streamline entire fleets through greater cost visibility.

Cross River is an ideal partner as they view the transformation of banking as a catalyst for offering breakthrough products, allowing businesses to optimize customer experiences and minimize the time and costs associated with managing payment practices.

Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

Daniela Mielke

CEO RS2