Changelog

October 2026

Product	Change	More information
ACH	Updated API For SEC code CTX, there's a new field for adding multiple addenda. Use the addendas attribute for CTX. For other SEC codes, continue to add a single addendum in the addenda field.	Send ACH transaction
Lending	API updated "Investor" field added to the draw json.	Pav2 to Arix integrations: Draws or line-of-credit
Lending	Page updated Postage fees table added	Check rail
Lending	Updated page The maximum filename length is 255 characters.	Add loan documents

September 2026

Product	Change	More information
ACH	Updated page Update to improve ACH return timeframe validation for reversal payments.	Returns and reversals
International Payments	Updated page Chile, Georgia, Kyrgyzstan, Latvia, Slovakia and Thailand added to the list of supported countries.	Supported countries
International Payments	Updated page Croatia and Switzerland added to the list of supported countries.	Supported countries
Cards	New API This is the single endpoint a partner backend calls to mint the short-lived, opaque embed session that the cardholder's browser then loads as a P1-hosted iframe. It carries no card data.	Create embed session
Onchain payments	Updated webhook The Crypto.Payment.OnchainTransactionReceived webhook is now called Crypto.Payment.OnchainTransactionDetected	Webhook events: onchain payments
International Payments	Updated page Cyprus, Poland, Taiwan and Uzbekistan added to the list of supported countries.	Supported countries
Checks	New API Added a new API for printing and sending physical printed checks. Updated checks webhooks and return and response codes with related webhooks and values	Print check payment Webhook events: Checks Request and response codes: Checks
International Payments	Updated page Unique End-to-End Transaction Reference (uetr) has been added at the bottom of the “details” portion of the International.Payment.Sent webhook event.	Webhook events: International payments

August 2026

Product	Change	More information
Wires	Updated page Added information about requirements for Originator information for wires over $3000. Related to Bank Secrecy Act Travel Rule.	Travel Rule
COS Reports	Updated pages Added sample reports to the description pages of COS daily reports	Accounts and payments
Onchain payments	Updated API In the Send a Payment API request, removed the amountNative attribute.	Send stablecoin payment
International Payments	Updated page Hong Kong added to the list of supported countries.	Supported countries
Accounts	New page Added a page showing different endpoints that can be used to fund a sandbox account.	Fund a sandbox account
Lending	New page Use the Selling UI to upload a list of loans using a CSV file, review the uploaded results, and complete the final action needed to move those loans from InSeasoning status to ReadyForPurchase status.	Upload CSV and end seasoning
Lending	New pages 9 purchasing a loan APIs added. Summarized: Purchasing a loan	Loan information Loan purchase details Calculate loan total Loan aggregation summary Purchase receipt Purchase account balance Purchase accounts and balances List available purchase accounts Check if purchase allowed
Docs Site Reorg	New space Introduced a dedicated Ops & Admin space to logically organize operational and administrative resources, including Org Management, COS Explorer, COS, and Reports.	Ops and admin intro
Lending	New page Learn how the Pav2–Arix integration streamlines loan lifecycle management, automates master loan creation, and supports compliant Line-Of-Credit (LOC) draws and funding.	Pav2 to Arix integration: Draws or line-of-credit Newer flow to the now deprecated Create a Line-of-Credit (LOC)/ Draws

July 2026

Product	Change	More information
Checks	New pages Newly-documented APIs for: Get a list of all check payments by defined query criteria List details of a specific check payment List extended details of a check payment, including X9 metadata Initiate a check return Simulate inbound forward (check withdrawal) Simulate inbound return	List check payments Get payment details Get extended check data Initiate check return Simulate inbound payment Simulate inbound check return
International Payments	Updated pages Added China as a supported country and to Payment Purpose Codes.	Supported countries Payment purpose codes
Webhooks	Updated page Webhooks introduction was updated to clarify that any 2xx response is an acceptable response. Also added specific information the there will be three retries before suspending.	COS webhooks
Accounts/ Subledgers	New page Added change subaccount/subledger title API	Change subledger customer
Cards	Updated APIs In the Set card controls (request) and Get card controls (response) APIs, the attribute name of usageLimit found in the velocityControls list object has been updated (was previously usage_limit).	Set card controls Get card controls
Cards	New pages Explanation of integrated issuing's Cross River Issuer Processor solution. Including authorization and velocity controls.	Issuer processor Cross River issuer processor Authorization controls Velocity controls
Cards	New pages Explanation of integrated issuing's 3DS online authentication solution	Online authentication 3DS in P1
Cards	New pages Explanation of integrated issuing's digital wallet tokenization solution	Digital wallet tokenization Merchant tokenization Implementation steps
Cards	Updated page Added additional error codes	Error codes: Cards
Accounts/ subledgers	New page Added change subaccount/subledger title API	Change subledger title
ACH	New page Added simulation API for inbound ACH origination	Simulate inbound ACH origination
Cards	New pages Added new pages for partner -> Cross River reports including sample files, templates, and explanation of fields.	Transaction master file Daily balance file Monthly dispute and chargeback reporting Quarterly report templates
Customer management	New page Added the Update due diligence info API to the docs	Update due diligence info
International Payments	Updated page Added Israel to list of supported countries	Supported countries
Customer management	New page Added the Deactivate customer API to the docs	Deactivate customer

June 2026

Product	Change	More information
International Payments	Updated page Added currency limit. Updated the Countries supported table. Added Costa Rica.	Supported countries
Wires	Updated pages and new page Updates wiress APIs pages related to new postalAddress block. Also added new page describing the new change	Wires Wires postal address update (November 2027)
Wires, Instant Payments and Card Payments	Updated page Enhanced and arranged by category	Error codes
Cards	Updated page Enhanced and arranged by category	Error codes: Cards
International Payments	Updated page Enhanced and arranged by category	Error codes: International payments
XML Batch Payments	Updated page Added SFTP folder structure	File transfer
COS Explorer	Updated page Updated first-time access information	COS Explorer first-time access
COS Explorer	New page Created a dedicated page to explain how partners get COS Explorer access for their organizations	COS Explorer organization access
Lending	Updated page Where to start: Reach out to your RM for your sandbox API Client Credentials and the Lending Postman collection to get you started. Added Web application details.	Lending
Lending	Updated page All hook registration functionality available via the API can also be performed through the Hooks UI.	Hook notifications
Lending	Updated page Added section: Integrations in PAV2	Application decisioning
Cards	New APIs Card controls. Velocity and authorization controls.	Set card controls
Cards	New APIs/webhooks Digital wallet tokenization	Retrieve wallet tokens
Cards	New APIs/webhooks 3DS Authentication. 3D Secure is a protocol that verifies cardholder identity online.	3DS authentication details
Cards	Updated page Added webhook samples for wallet tokenization and 3DS authentication	Webhook events: Cards
Cards	Updated page Added servicing tapes (data) for servicing events monitoring and reconciliation	Reporting and compliance
Cards	New page This page specifies daily CSV reporting requirements for active credit‑card accounts, detailing strict formats, SFTP delivery, and required data fields.	Servicing data

May 2026

Product	Change	More information	Effective Date
International Payments	Updated page Added Singapore to list of supported countries	Supported countries
Onchain payments	New API Add PII for a sender or originator to an incoming payment	Send PII
Onchain payments	New API Delete or disable a blockchain receiving address associated with an account	Delete wallet
Onchain payments	New pages Added a new section describing onchain payment concepts	Onchain payments
Org Management	Updated pages Org management portal pages improved and updated to reflect UI improvements. Content made clearer and more comprehensive.	Org management portal
MCP server	New page Added page describing how to connect to the MCP server and listing the tools available	Connect to Cross River docs via MCP
Lending	Updated page Updated page and created sub-pages for each API endpoint.	Purchasing a loan
Reports	New page Added a page describing daily account balance report content	Daily account balance	14/May/2026
Cards	New page Application decisioning. Schema-based APIs to validate, submit, and monitor credit card applications, ensuring compliance, data integrity, and fair banking oversight.	Credit card application decisioning API	12/May/2026
Accounts	Updated pages Improved the main accounts pages	Accounts Deposit accounts (DDA) For benefit of (FBO) accounts Subledgers	12/May/2026
Accounts	New page Describes reconciliation and balance sync	Reconciliation and balance sync	12/May/2026
International Payments	New feature Remittance payments are consumer-initiated money transfers that must follow Regulation E while Cross River's partners meet core disclosure and refund rules.	Remittance payments
Lending	Updated page Check delivery section updated	Check rail	6/May/2026
International Payments	New API Cancel Payment (Remittance)	Cancel payment
Card Payments	New page Added Card Payments testing card numbers page	Sample cards for testing: COS Card Payments	5/May/2026
Card Issuing	New page Added pages explaining our three partner-managed models showing how Cross River handles funds and ledgers, detailing BIN sponsorship, FBO subledgers, pooled accounts, and required daily reconciliations.	Balance and ledger models	5/May/2026
Card Issuing	New page Explains why programs using FBO accounts must keep clear customer‑level balance records to ensure each user receives full FDIC pass‑through insurance coverage.	Balance visibility	5/May/2026
Card Issuing	New page Partner-managed card programs using the FBO pooled account model can send and receive ACH payments through Cross River using unique prefixes to route transactions accurately.	Partner-managed ACH processing	5/May/2026
Card Issuing	Updated page Added section about Balance visibility and FDIC insurance detailing the three partner-managed variations.	Partner-managed	5/May/2026
Card Issuing	Updated page Added information about FDIC compliance	Reporting and compliance	5/May/2026

April 2026

Product	Change	More information	Effective Date
International Payments	Updated page Added local currency for Mexico	Supported countries	29 Apr 2026
Lending	Updated page Added fields to servicing tape	Servicing reports	29 Apr 2026
Lending	Updated page RailResultType enums updated	Enums	28 Apr 2026
Lending	Updated page Minor update to rail cutoff times	Loan funding - payment rails
Card Payments	Updated page Added new error codes for COS Card Payments	Error codes: COS Card payments	23 Apr 2026
Card Payments	Updated page Updated webhooks for COS Card Payments to include additional webhooks and updated payload	Webhook events list	21 Apr 2026
Card Payments	Updated page Changed description of dynamic descriptors	Statement descriptor	20 Apr 2026
Card Payments	New pages New release of ALL COS Card Payments API and Concept pages	Card payments	19 Apr 2026
Accounts	Updated page Clarified how to use the API endpoint to restrict all subaccounts under a master account, or restrict the master together will all subaccounts	Restrict account	21 Apr 2026
Accounts	New page COS Explorer tutorial: Find an account	Find an account	26 Apr 2026
Accounts	New page COS Explorer tutorial: Manage account restrictions	Manage account restrictions	26 Apr 2026
Accounts	New page COS Explorer tutorial: Open a subledger (subaccount)	Open a subledger	26 Apr 2026
Accounts	New page COS Explorer tutorial: Close a subledger (subaccount)	Close a subledger	26 Apr 2026
Accounts	New page COS Explorer tutorial: Find a subledger (subaccount)	Find a subledger	26 Apr 2026

March 2026

Product	Change	More information	Effective Date
Accounts	API update Added classification attribute to the Create subledger (subaccount) endpoint to differentiate between a personal or business subaccount beneficiary	Create subledger	25 Mar 2026
Instant Payments	Feature added Added new API to retrieve payment reference information for Original payment IDs	The original payment id is sometimes needed when looking at inbound payment return requests Payment reference	20 Mar 2026
Wires	Feature update Wires webhook events	Added new wires webhook events related to rejects Webhook events: Wires	15 Mar 2026
Instant Payments	Updated page Added additional error codes	Updated table to include missing error codes Error codes: Instant payments - old	5 Mar 2026

January 2026

Product	Change	More information	Effective Date
Org Management	Feature update User list download via the UI	An Admin can now download all organization users and their roles. Org management portal	25/1/2026
Lending UI	Feature update Users can choose which columns they want to see for applications submitted via the Preapproval v2 API.	Application decisioningApplication	15/1/2026

December 2025

Product	Change	More information
Crypto	New product Onchain payments APIs	Onchain payments APIs
Lending	Feature update Applications submitted through Preapproval v2, can be seen on the Application UI	Application decisioningApplication
Lending	Infrastructure update All Sandbox environment infrastructure was upgraded to a new cloud platform.

November 2025

Product	Change	More information	Effective Date
Lending	Feature update Testing Pav2 APIs can now be done directly via the Lending UI. Internal release.	Application	19 Nov 2025
International Payments	API update Request payment quote API updated to add Originator Information	Request payment quote API	17 Nov 2025
International Payments	COS Explorer update Originate Payment updated to add Originator Information	International Payments COS Explorer tutorial	17 Nov 2025
International Payments	Feature update Added Malaysia and the Philippines.	Supported countries
Lending	API update Submitting supporting documents for an application now uses the partner's ApplicationId as the identifier	Attachments by appID	1 Nov 2025

October 2025

Product	Change	More information
Lending	New feature Application decisioning Pav2. Including 2 new APIs.	Application decisioning
ACH	COS Explorer update Manage ACH reversals through the Cross River COS Explorer interface.	Manage reversal flow

September 2025

Product	Change	More information
Cards	New feature Cross River’s advanced authorization capability allows partners using the Integrated Issuing model to actively participate in the real-time decision-making process for card transactions.	Advanced authorization
International Payments	Page update Increased the number of supported countries and currencies.	Supported countries
International Payments	New feature Payment Purpose Codes (PPCs), also known as payment reason codes, are standardized identifiers that provide the reason for a crossborder or international payment. They are considered mandatory or required fields by the Central Banking authority in certain jurisdictions, i.e. India, Malaysia, and the United Arab Emirates.	Payment purpose codes