Signs up a new consumer payment card to the merchant's account.When you call this endpoint, the card payments API stores the card number and returns a token. The API uses the token to identify the card, in place of the actual card number. Tokens provide a security measure to help prevent criminals from accessing card numbers.

Endpoint: /api/Card

The GUID is a unique identifier that enables the application to link request with response

requestId

firstName

lastName

The GUID that identifies the merchant partner

sourceSenderId

A 4-digit code, assigned by the merchant, to identify the cardholder

ownerExternalId

Primary location details of cardholder. For instance, street name, house or building number, and PO box. Maximum 100 characters.

address1

Secondary location details of cardholder. For instance, number of apartment or floor. Maximum 100 characters.

address2

city

countryCode

state

- US: 5 digits, A ZIP+4 code with optional space or dash separator (12345, 12345-6789, 12345 6789, 123456789).
- Canada: A valid canadian zip code
- Other: up to 9 chars , letters, numbers, spaces, dashes. Do not contain double spaces or dashes

zipCode

Optional + at the start, 7-15 characters made of: digits, spaces, dashes, brackets

phoneNumber

A valid cardholder email address, for example, me@mailprovider.com

email

The 15- or 16-digit number found on the front or back of a credit card

creditCardNumber

expirationMonth

expirationYear

The personal customer code on the card. Add the CVV to a function call only when you add a card (POST /api/Card). The API never returns the CVV when you perform a GET or PUT call.

Created when intially signing up a card. A randomly generated string of characters that relates to the consumer's payment card (15 to 38 alphanumeric characters). Matches the creditCardToken.

cardToken

A unique identifier for this card derived from internal card information. It can be used to detect multiple occurrences of attempts for the same card being authorized from multiple users.

cardFingerprint

True if the card was authorized successfully, otherwise false

isAuthorizationSucceeded

last4Digits

Name of the payment card network:

- Visa
- Mastercard

cardCompany

True if the card is active, otherwise false

isActive

Date and time card was deactivated, if relevant, in date-time format

deactivatedAt

The date and time the card was added to the merchant's account

addedOn

The JSON authorization response received for this card from the card payments API

authorizationJson

The first 6-to-8 digits on the card. This identification number indicates the card-issuing bank.

binNumber

Cardholder card type:

- Consumer
- Commercial
- Government
- Business
- Unknown

productType

Add card

Setup iFrame

Generate iFrame

Card list

Card details

Deactivate/reactivate

Card mgmt APIs

Send funds

Request funds

Push transactions

Pull transactions

Push transaction by ID

Pull transaction by ID

Transaction management

Exchange rates

Foreign exchange

OFAC compliance

OFAC status

OFAC scan ID

OFAC

Dynamic descriptor

iFrames

Webhook events

Request and response codes

Error codes

Card payments

The automated lending platform from Cross River that includes services such as Preapproval, Oversight, Arix Origination and Funding, Selling, and Hooks.

Lending

Information that can be used to distinguish or trace an individual’s identity, either alone or when combined with other information that is linked or linkable to a specific individual. Also known as PII.

Personally_Identifiable_Information

These are contracts for monetary assets that can be purchased, traded, created, modified, or settled for. In terms of contracts, there is a contractual obligation between involved parties during a financial instrument transaction.

financial_instrument

Interest Rate Cards are pre-configured interest rate profiles that can be assigned to specific accounts on demand.

rate_card

A financial institution holding a principal license with a Card Network has the right to issue cards itself and sponsor other institutions (fintechs) to issue on its behalf (BIN sponsorship). Affiliate/Associate members cannot offer BIN sponsorship.

Principal_member

A 6 or 8 digit number assigned by the card networks for card issuing and functions as the first 6 or 8 digits on the card itself. The BIN identifies the bank that is responsible for issuing the program and handling daily settlement with the Network.

Card_BIN

A solution that allows partners to offer card solutions without requiring a direct relationship with the card networks. The bank acts as an intermediary while allowing partners to use its bank identification numbers (BIN). 

BIN_sponsorship

Politically Exposed Person is an individual who holds a prominent public position, or has done so in the recent past and is subject to a higher level of scrutiny due to an increased risk of involvement in bribery, corruption, and money laundering.

Office of Foreign Assets Control. Part of the US Department of the Treasury that administers and enforces economic and trade sanctions based on US foreign policy and national security goals.

Move funds internally between accounts. The transfer requires both a debit and credit account and can be either a master account or sub-ledger, or any combination of the two.  Can be made via API calls or for non-API Partners on the COS Explorer.

book_transfer

This is where the financial institution verifies the member has the funds needed before they are transferred to the receiver.

Good_Funds_Model

An instant payment service developed and operated by the Federal Reserve for financial institutions in the United States, which allows individuals and businesses to send and receive money.

FedNow

A payment processing network used to send money electronically between banks in the US. Available year round, it transfers funds between 2 banks account instantaneously. Processes on bank holidays and weekend and after business hours.

A merchant category code (MCC) is a four-digit number used for retail financial services to classify a business by the types of goods or services it provides. Codes are specified by the ISO 18245 standard.

Card Acceptor ID. An internal identifier assigned to your business by your Acquirer when creating the merchant account used for financial processing.

CAID

Business Application Identifier, used by merchants in card payments

The automated loan validation and funding software from Cross River

Arix

Mobile Deposit Capture is the process of submitting a check electronically using a smartphone

Input Message Accountability Data. A unique number given to each FedWire payment when using the Federal Reserver Bank Service and can be used to investigate and track wire transfers.

IMAD

Notification of Change.  The purpose of an NOC is to identify and communicate incorrect information within an ACH entry, such as account numbers or transit and routing number. Sent by a RDFI to the ODFI and the Originator via their ACH Operator.

A global financial messaging standard for electronic payments. It enhances interoperability across financial systems, improves payment processing efficiency and supports compliance by providing detailed transaction information.

ISO20022

A SWIFT Code is a standard format of Bank Identifier Code (BIC) used to specify a particular bank or branch. These codes are used when transferring money between banks, particularly for international wire transfers.

SWIFT

Receiving Depository Financial Institution. All ODFIs must also agree to act as an RDFI to receive ACH payments. An RDFI receives entries directly or indirectly from its ACH Operator for debit or credit to the accounts of its customers.

RDFI

Originating Depository Financial Institution. It has the authority to initiate ACH transactions on behalf of its customers. ODFIs ensure compliance with regulatory standards and securely transmit payment instructions to the ACH network

ODFI

 National Automated Clearing House Association. Nacha governs the ACH Network, the payment system that drives Direct Deposits and Direct Payments with the capability to reach all U.S. bank and credit union accounts

Nacha

International ACH Transaction. A Nacha SEC code.

A uniquely configured financial product you offer your customers. For example, a debit card or a savings account, configured according to your needs and specifications, are product types.

product_type

Bank Identification Number. A unique identifier used in payment card transactions.

COS_Explorer

relationshipmanager

Cross River guides provide details about our products

guide

var_miha

new_var_2

new_mih_var

mih_var

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testheight

available

testulet

testvar

altscenario

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