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Welcome to Cross River Docs!

Get information on our products from our APIs and Guides and Tutorials.

Bank Rails

Cross River’s bank rails provide robust money movement for customers.

ACH

Originate standard and same-day ACH credits and debits

Instant Payments

Send and receive instant payments that clear and settle immediately

International Payments

Send cross-border payments via SWIFT or local rails

Wires

Transfer money electronically through Fedwire® to a recipient

XPay

Transfer funds instantly and securely between two Cross River partners

XML ISO20022

Send all your ISO20022 payment instructions

Account Management

Seamless account functionality to create, open, and manage accounts via APIs.

Accounts

Open accounts for your customers

Checks

Check writing (withdrawals) and check deposits using Mobile Deposit Capture (MDC)

Cards Payments

Proprietary infrastructure for card programs and services.

Card Payments

Transfers funds to and from debit cards and wallets, including wallet funding, payouts, and peer-to-peer payments

Cards Issuing

Proprietary infrastructure for card programs and services.

Debit Cards

Offer customers different types of debit card products, including contact-less and virtual cards

Credit BIN Sponsorship

Issue Credit and Debit cards on the processor of your choice under Cross River Sponsorship

Digital Lending

Robust set of API calls to create, update, and manage your loans.

Marketplace Lending

Cross River's automated loan validation solution