ACH Payments

More speed. Less friction.

Secure account-to-account money transfers at the speed your customers demand, and built for your needs. Choose from domestic, international, same-day and additional options.

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Cross River APIs in action

Open accounts via API in seconds

Cross River provides several different account types and solutions through a suite of products. COS supports transactional and non-transactional accounts, including demand deposit accounts that can be operational in seconds.

{ "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",
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.

Subledgers

COS offers the ability to create subledgers instantly and on-demand. A subledger can be linked to any existing deposit account, also known as the master account, and enables effective reconciliation of sub accounts.

POST /core/v1/dda/subaccounts { "masterAccountNumber": "2001231234", "title": "Acme Co", "beneficiary": { "referenceId": "ABC789", "entityName": "Acme Co", "streetAddress1": "400 Business Street", "streetAddress2": "Suite 123", "city": "New York", "state": "NY", "postalCode": "10025", "countryCode": "US", "phoneNumber": "2015551234", "emailAddress": "acme@test.com", "notes": "Testing 123" } }
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.

Update a Webhook Registration

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“ProcessedRails”: [ { “Id”: 167938, “RailId”: “34a65c5e-2e28-498d-bef1-ad6201338e26”, “LoadId”: “87a65c5e-306a-47ff-b3e7-ad6201338e26”, “RailType”: “COCXPay”, “AmountFunded”: 8000.000000, } ],
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.