Retailers

Take control over your payment ecosystem by turning every transaction into a loyalty opportunity.

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Cross River's APIs

What’s embedded finance for retailers?

Embedded finance at Cross River means that payments, rewards, and financial services live directly inside the customer experience, unlocking new opportunities for retailers to build loyalty and drive growth.

Increased customer lifetime value

Strengthen customer relationships through integrated payment and loyalty experiences that keep customers coming back.

Higher average transaction value

Features like one-click checkouts, BNPL, and personalized rewards encourage customers to spend more per purchase.

Increased conversion rates

Offer flexible checkout options, making it easier to complete purchases and reduce cart abandonment.

Programmable infrastructure for the future of commerce

Cross River expands Stripe issuing partnership to help power agentic commerce

"Scaling agentic commerce requires banking partners who understand both the regulatory requirements and the pace at which we need to move. Cross River delivered on both."

John Piazza

Product Lead ⏐ Stripe

One-time-use virtual cards issued in real time for AI agents, embedded in Stripe's Link wallet
Secure, compliant card payments on behalf of verified users
From concept to production in 4 weeks; built on a 7+ year partnership with Stripe

Cross River Insights

Learn how retailers can improve margin, customer relationships, and readiness for AI-driven commerce.

Retail's Next Margin: Financial Services

Retailers can now embed financial services into their customer experiences without becoming banks. The margin they're paying away could flow back.

Agentic Commerce Built Into the Core

As agentic commerce grows, consumer protection must move into financial infrastructure through embedded controls for liability, fraud prevention, identity, and compliance.

The Financial Relationship Retailers Keep Giving Away

Most retailers invest heavily in customer acquisition, personalized experiences, and loyalty schemes. But they’re overlooking a strategic asset: customer financial relationships.

The banking infrastructure for disruptor platforms

Cross River provides the financial foundation to scale every financial product your platform needs.

End-to-end infrastructure

Whether you begin with cards, in-app wallets, payments, or lending, we provide end-to-end infrastructure.

Always on, just like your users

We operate with 99.99% uptime and 24/7/365 availability — because your customers don’t run on banking hours.

A bank with a tech company’s DNA

Bank‑regulated payment flows, built‑in KYC/AML, and modular APIs let you innovate quickly on a compliant foundation.

Ready to get started?

We bridge the best of both worlds. The technology support you want, combined with the banking expertise you need to scale.