Convenient, global money movement via card rails

Cross River’s push-to-card technology transfers funds globally, in near real-time, to a recipient’s existing Visa or Mastercard debit cards.

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Leverage cards for frictionless payments.

Scalable solution for fintechs

Enable fund movement, seamlessly to and from your customers via their debit cards. Securely process funds to millions of existing debit cards and scale your solutions with Cross River’s direct connection to Visa Direct and Mastercard Send.

Real time funds disbursement

Funds are disbursed in real time, 24/7/365, to an existing debit or prepaid card through Mastercard, Visa or other regional debit card networks.

Global transactions

Empower customers to cross borders with Cross River’s international push-to-card capabilities. Disburse funds globally using Mastercard Send and Visa Direct connections with Cross River APIs and partner relations.

Convenience and security for customers

Allow frictionless debit card transactions. Cross River’s push-to-card infrastructure initiates transactions through debit card inputs and settles them directly with customer bank accounts. This method of money movement brings convenience as well as an additional layer of security for transactors.

Efficient processing

Cross River processes all push-to-card disbursements via its proprietary APIs, eliminating processing costs and potential errors that are often associated with other payment solutions such as check payments. Through Cross River’s Operating System, COS, the API driven banking core, partners can enact a seamless integration to additional (non-card) payment rails with respective APIs.

Advanced tech for modern day merchant acquiring

Enable merchants to send payments directly to a user’s debit card. Power everyday interactions by streamlining the transactions that drive them. By using Cross River’s push-to-card program, access subledgers within the proprietary system, enhancing your day-to-day insights into merchant payment flows.

Uses for push-to-card

Peer-to-peer (P2P) Payments


Loan disbursements

Merchant payouts

Insurance payouts

Payroll/ Earned wage access

Loyalty programs

Digital wallet loads

Explore P2C for faster payroll

  • We can leverage the experience of Cross River and combine it with our work in risk mitigation and automation to make fast transfers on the debit network more streamlined and efficient than ever before.

    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.

    Sam Morgan

    COO Astra


Which card networks are eligible for push-to-card services? 
Visa and Mastercard networks are accessible with Cross River’s push-to-card API calls. 

Are there currently any limitations for international push-to-card solutions? 
Funds can be transferred to international Mastercard or Visa debit or prepaid cards only from a Cross River owned domestic (U.S) account.*  

Does use of push-to-card require partners to prefund an account?  
Yes. Cross River’s Operating System (COS) and Cross River’s reserve accounts can be used for new customers to prefund their P2C transactions.  

Does the push-to-card program work with credit cards? 
Push to card programs are generally used with debit cards. Cross River partners most often use the P2C program to push funds from a bank account to an eligible debit or prepaid card number.  

Is there a transaction amount limit for push-to-card? 
While each card network adheres to established limits for transactions, Cross River collaborates with partners to help establish the recommended program framework and limits at the time of implementation.**

Does push-to-card support purchase transactions for merchants? 
No. Push to card network gateways like Visa Direct were created with the purpose of modernizing money transmissions. Their primary goal remains to empower consumers to send money globally, not for the purchase of goods and services.    

How large is the demand for push-to-card? 
The transaction volume for near real time disbursements rose over 45% from 2014 and 2018. Fund disbursements are expected to be an $80 trillion (about $250,000 per person in the US) opportunity. 

* subject to card network availability 

** subject to card network velocity limits  

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