Processing

One platform. Multiple card solutions.

From virtual cards to enterprise compliance and fraud prevention, Cross River simplifies card processing through a single platform, so you can launch faster and simpler card programs.

Features

Out-of-the-box infrastructure for seamless card launches

Security & compliance

PCI DSS 4.0 Level 1 certified, with real-time fraud monitoring and built-in 3D Secure (3DS) for safer online transactions. Add customizable fraud rules and dynamic spend controls for enhanced protection.

API & integration

RESTful APIs for instant virtual card creation, freeze/unfreeze controls, and full lifecycle management. Real-time webhooks stream authorization and settlement data directly to your system. Built for developers who value clean code and fast implementation.

Regulatory management

Direct regulatory oversight—no third-party dependencies. AML reporting and risk controls are built in, helping you stay compliant while reducing operational overhead.

Data & analytics

Real-time transaction monitoring with global mapping and currency conversion. Customizable spend analytics reveal user behavior while failure analysis helps resolve issues quickly. Raw data becomes actionable intelligence that grows your business.

“The best compliment we get is when our clients say they never have to think about card processing anymore. When infrastructure becomes invisible, that’s when our clients can pour all their energy into what really matters, building great customer experiences.”
Hasan Nawaz
SVP, Card Processing
Cross River
Why Cross River?

More than a processor. The infrastructure behind your card program.

We are the bank

We are a regulated bank with our own BIN sponsorship. This means faster decisions, direct regulatory oversight, and institutional trust your customers expect.

Full-stack integration

Our unified platform means you work with one team that understands both your business needs and regulatory requirements. From fraud protection to customer support, everything is managed internally for seamless coordination and faster implementation.

Built to scale

Whether you're launching your first card program or scaling to millions of transactions, our platform grows with you. Access real-time data, instant controls, and seamless integrations that adapt to your business, not the other way around.

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Use Cases

Built for scale

Issue virtual and physical cards for neobanks, expense management platforms, and embedded finance apps.

Use Cases

Payments that feel native

Enabling seamless buyer-seller transactions for marketplaces, gig platforms, and vertical SaaS tools.

Use Cases

Operational oversight

Managing corporate spend, fleet operations, and procurement with real-time visibility and customizable controls for finance teams at scale.

Use Cases

Instant gratification

Instant card issuance and low-latency processing for high-volume gaming and entertainment platforms.

Use Cases

Built for sensitive transactions

Powering tax refunds, government benefits, and payroll cards with compliant, secure card processing for sensitive financial transactions.

FAQs

What kind of support do you provide during integration?
Our technical team works directly with your developers throughout the integration process. We provide comprehensive API documentation, sandbox environments for testing, and dedicated support to ensure smooth implementation from start to finish.

How do your APIs work with existing systems?
Our RESTful APIs are designed for easy integration with modern tech stacks. We provide comprehensive documentation, real-time webhooks for transaction feeds, and detailed analytics through our dashboard. Most integrations are straightforward for experienced development teams.

What card types can you issue?
We support virtual cards (single or multi-use), physical cards (fully branded), debit, credit, prepaid, and authorized user cards. We also provide full mobile wallet integration including Apple Pay, Google Pay, and Samsung Pay.

What is included in your compliance management?
We handle PCI DSS compliance, AML reporting, regulatory oversight, and fraud monitoring as part of our core platform. Since we're a regulated bank with our own BIN sponsorship, we manage regulatory relationships and requirements.

Can we customize fraud rules and spending controls?
Yes, you can set customizable fraud rules at the product and cardholder level, plus dynamic spending controls at program, user, and individual card levels. All controls can be adjusted in real-time through our dashboard or APIs.

What reporting and analytics are available?Our platform provides real-time transaction tracking, customizable spend analytics, global transaction mapping with currency breakdowns, and detailed cardholder analysis. All data is accessible through our dashboard or can be pulled via API for your own reporting systems.

Ready to get started?

Connect with our team to explore how Cross River’s full-stack platform can streamline your card processing and accelerate your roadmap.

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