Build a credit card program designed around your business
Launch and scale consumer and commercial credit card programs with one end-to-end partner, from the card your customer uses to the capital that funds it.
Consumer | Commercial | Secured | Unsecured
One partner across your entire credit card program
Card issuing
Build the card experience you want. BIN sponsorship and support for consumer and commercial, secured and unsecured programs.
Card processing
Own more of the transaction experience. Use Cross River's processing capabilities or bring your preferred processor, giving you flexibility in how your program is built.
Control
Make the program more programmable. Use APIs, real-time data and authorization controls to create differentiated card experiences based on you and your customers' needs.
Fund
Support the credit behind the card. Bring together the banking and capital capabilities needed to support a scalable credit program.
"Cross River's card processing engine enables Aion to deliver rich, dynamic card programs for businesses on our platform, giving them greater control over corporate spending while simplifying management and tracking. This enhancement will significantly streamline their day-to-day workflows."
Build, fund and scale the credit card program your customers actually need
Programmable by design
Configure authorization rules, spending controls, rewards logic, and product parameters around your business model, not ours.
Balance sheet support
Launch credit products with our captive financing. Access our balance sheet to fund assets while you build your funding strategy.
Built for scale
Cloud-native infrastructure designed for high-volume programs and international expansion. Start regional. Scale global.
Issuer & processor, integrated
Reduce handoffs and integration complexity. Issuing, processing, and banking infrastructure under one roof means faster builds and fewer vendor dependencies.
Flexible program structures
Support consumer and commercial, secured and unsecured credit card programs under a single issuer relationship.
Risk & compliance embedded
Build differentiated programs within a regulated issuer framework. Innovation with bank-grade controls built in.
