Instant payouts, now matched by instant pay-ins.

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Bank Rails

Account-to-Account
Money Movement

Cross River’s multi-rail, API-based bank core connects companies to payment options that work best for their customers.

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Product Overview

API-based payment solutions

From near real-time rails to interoperable, instant payout solutions, Cross River’s products provide businesses the opportunity to build custom banking experiences.

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RTP®

FedNow®

Wires

ACH

ACH

“Real-time payments can help businesses build amazing experiences for consumers by delivering money when they need it. We are excited to expand our relationship with Cross River for innovative payment solutions on top of an API-based processing core.”

Plaid logo
John Anderson
Head of Payments
Plaid
Benefits

Settle funds with Cross River’s APIs

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Key features

Build a stronger payment tech stack for a wide range of use cases and customers.

A single integration across rails

One unifying onboarding process

Interoperable instant payments with RTP & FedNow

Unlimited subledgers for optimal efficiency

Seamless experience for future growth

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curl -X POST
--header 'Content-Type: application/json'
--header 'Accept: application/json'
--header 'Authorization: Bearer <token>'
-d '{ \
  "accountNumber": "2553179843",
  "amount": 15000,
  "creditor": {
    "routingNumber": "011000138",
    "accountNumber": "456789000",
    "name": "Corey Hendly",
    "addressStreetName": "Spooner St",
    "addressBuildingNumber": "34",
    "addressCity": "Quahog",
    "addressState": "RI",
    "addressPostalCode": "00093",
    "addressCountry": "US"
  },
  "purpose": "gift money"
}
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RfP

Instant pay-ins to fuel instant payouts

Turn payment requests into instant cash flow with Request for Payment (RfP) functionality – powered by the RTP® network. Cross River, known for enabling fast payouts, will strengthen real-time payment capabilities to include instant pay-ins.

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Good funds, instantly

Instant settlement

Always-on processing

Push payment model

“Cross River has always excelled at moving money out fast. Now we're bringing that same speed and reliability to moving money in. Consumers deserve better than waiting days for payments. It’s simple – your customers approve, money moves instantly, and you focus on growth instead of chasing funds. That’s the future of payments, happening right now.”

Cross River Logo
Luca Consetino
SVP, Head of Product
Cross river

Uses for bank rails

Account verification

Merchant settlements

Disbursements

Peer-to-peer transfers

B2B commercial payments

Payroll

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