Card Issuing & Deposit Accounts

Scaling card & deposit programs

Take your card and deposit strategies from idea to implementation with the cutting-edge infrastructure of a technology-first, established bank.

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Together, we're building the future of payment programs

Enabling our partners to deliver financial technology for all.

Our Offerings

BIN sponsorships for card issuance

Cross River is a member of the major card networks - Visa, Mastercard and American Express. Leverage our BINs for a range of card programs including debit, credit and prepaid.

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Debit card

Credit card

Prepaid card

“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

“At Cross River, our aim is simple, to meet the diverse needs of businesses large or small by providing our partners with the infrastructure they need to succeed in the ever-evolving financial environment.”

Anthony Peculic

Head of BaaS & Cards

Cross River

Our Offerings

Deposit accounts

Cross River offers a diverse suite of deposit accounts, from checking and savings to specialized accounts like FBOs and digital wallets. Our solutions enable partners to effortlessly manage customer accounts and money flow.

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Savings account

Checking account

Demand deposit account (DDA)

Digital wallets & more

Our Offerings

Multi-rail, API-based money movement

From RTP® and FedNow® to Same-Day ACH, our faster payment solutions perfectly complement your card or deposit account programs.

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FedNow®

RTP®

Same-Day ACH

Push-to-Card

“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

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.



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"
}



curl -X POST
--header 'Content-Type: application/json'
--header 'Accept: application/json'
--header 'Authorization: Bearer <token>'
-d '{ \
{
  "partnerId": "ad475a30-5c89-406d-9a3e-103aa38c3ba0",
  "name": {
    "prefix": "Mr.",
    "firstName": "John",
    "middleName": "Robert",
    "lastName": "Smith",
    "suffix": "Jr.",
    "preferredName": "Jim"
  },
  "classification": "Personal",
  "profile": {
    "regO": false,
    "citizenshipCountryCode": "US",
    "politicallyExposedPerson": false,
    "enableBackupWithholding": false,
    "backupWithholdingPercent": 0,
    "taxIdType": "Ssn",
    "taxId": "123456789",
    "birthDate": "1965-09-15",
    "riskRating": "Low",
    "privacyOptOut": true
  }
}' 'https://sandbox.crbcos.com/Core/v1/cm/customers'



curl --location
-X POST
-H 'Content-Type: application/json' \
-H 'Authorization: {Bearer token}' \
-d '{
  "accountNumber": "2608927303",
  "customerId": "2b15a695-13dc-4b10-b4e5-af5b0138873c",
  "configurationId": "a6b5a94c-f8f9-462b-8ce8-afa400f5b640",
  "firstName": "John",
  "middleName": "Jacob",
  "lastName": "Smith",
  "suffix": "Jr",
  "phone": {
    "phoneType": "Home",
    "phoneNumber": "2015551234"
  "emailAddress": "john@abccompany.com"
  "shippingAddress": {
    "street1": "123 Maple Lane",
    "street2": "Apt. 1",
    "city": "New York",
    "state": "NY",
    "postalCode": "10025",
    "countryCode": "US"
  },
  "billingAddress": {
    "street1": "123 Maple Lane",
    "street2": "Apt. 1",
    "city": "New York",
    "state": "NY",
    "postalCode": "10025",
    "countryCode": "US"
  },
  "nameOnCard": "John J. Smith, Jr.",
  "shippingType": "Normal",
} 'https://sandbox.crbcos.com/cardmanagement/v1/cards'

View API references for RTP

Access our sandbox

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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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

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.

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FAQs

What is an issuing bank?

An issuing bank is a bank that provides a credit line or a debit card to a customer or business. Cross River works with partners that wish to increase financial access to customers by enabling credit or debit card services. Cross River can also provide merchant acquiring services and act as an acquiring bank.

Does Cross River provide credit and debit processors?

Yes, Cross River works and integrates with major credit card and debit card processors. Partners can select from existing processors or request to work with a new processor altogether.

Can I bring my own processor?

Yes, partners can bring their own processor for debit or credit processing. If preferred, however, Cross River can choose and integrate a processor on the client’s behalf.

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We bridge the best of both worlds - merging advanced tech innovation with the expertise of a bank. Craft the perfect banking program no matter what your business needs may be.