Card Issuing

Launch an Issuing Program

Build and scale debit and credit card programs on Cross River’s flexible, processor-agnostic issuing platform.

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Product Overview

BIN sponsorships for card issuance

Cross River is a member of the major card networks - Visa & Mastercard. Leverage our BINs for a range of card programs.

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Debit

Credit

Prepaid

Prepaid

“Upgrade customers are paying almost seven times less interest on an Upgrade Card balance paid down over two years than they would by making the monthly minimum payment on a traditional credit card”

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Renaud Laplanche
CEO & Co-founder
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Benefits

Differentiated card issuing solutions

‍

Key features

Flexible, multi-processor card issuance from BIN sponsorship to full-stack program management.

Issuing BIN sponsorship

Bring your own processor / integrated processor

Build with major card networks

Virtual cards

Unlimited subledgers

Explore API Documentation
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"
  }
Explore API Documentation

Expand beyond card issuing

Digital illustrationFuturistic illustration of a credit card
Digital Lending
Bank Rails
Acquiring BIN Sponsorship

Fast, compliant & nationwide origination

From application to securitization, launch and scale innovative lending solutions with Cross River’s end-to-end digital lending suite.

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Multi-rail payments capabilities

Leverage near real-time rails and instant payout solutions to build account funding and payments offerings.

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Tech-forward BIN sponsorship

Integrated acquiring BIN solutions via API – purpose-built for ISOs, Payfacs, Marketplaces, ISVs, and mobile wallet providers.

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Uses for card issuing

Consumer cards

Commercial cards

Secured/unsecured

Neobanks

Expense management

Corporate accounts

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