--- title: Changelog slug: changelog description: Discover key product updates and new features, including enhancements. docTags: createdAt: 2025-11-10T05:55:45.903Z --- ## 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](docId\:ILwmF5qnTMLo30D2H3rCH) | | Lending | **API updated**
"Investor" field added to the draw json. | [Pav2 to Arix integrations: Draws or line-of-credit](docId:8OUMz0bxLz8zmF0WojSUm) | | Lending | **Page updated**
Postage fees table added | [Check rail](docId\:DbSSCTmmsCExM9uObFa4n) | | Lending | **Updated page**
The maximum filename length is 255 characters. | [Add loan documents](docId\:uRkNIHuM7qYLQdCEE7tU-) | ## September 2026 | Product | Change | More information | | | ---------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | - | | ACH | **Updated page**
Update to improve ACH return timeframe validation for reversal payments. | [Returns and reversals](docId\:Jb5sWmyqlTTdp8VQvsuIp) | | | International Payments | **Updated page**
Chile, Georgia, Kyrgyzstan, Latvia, Slovakia and Thailand added to the list of supported countries. | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | | International Payments | **Updated page**
Croatia and Switzerland added to the list of supported countries. | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | | 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](docId\:lpw0d_xptsXYsiEloHovv) | | | Onchain payments | **Updated webhook**
The `Crypto.Payment.OnchainTransactionReceived` webhook is now called `Crypto.Payment.OnchainTransactionDetected` | [Webhook events: onchain payments](docId\:l2nT0ZP-yk-ZWesb7d-pt) | | | International Payments | **Updated page**
Cyprus, Poland, Taiwan and Uzbekistan added to the list of supported countries. | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | | 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](docId:2w_y2m0a0W0ol8Y05TGIG)
[Webhook events: Checks](docId\:cWUBvaS0BDIfokyxu5LhQ)
[Request and response codes: Checks](docId:1KTHA2s34VRJpI7vStvOi) | | | 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](docId\:o9fUc2dKPczcl1h4yIChr)
| | ## 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](docId\:eqf1PFq31_W9BcmfO73z3) | | COS Reports | **Updated pages**
Added sample reports to the description pages of COS daily reports | [Accounts and payments](docId:_Y-8nEbvhN9E43-PV3YWj) | | Onchain payments | **Updated API**
In the Send a Payment API request, removed the `amountNative` attribute. | [Send stablecoin payment](docId:97ecBPkLpcwxVCxKeo_la) | | International Payments | **Updated page**
Hong Kong added to the list of supported countries. | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | Accounts | **New page**
Added a page showing different endpoints that can be used to fund a sandbox account. | [Fund a sandbox account](docId\:Oyv9yrdvId0o_EJ0nVSLU) | | 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](docId\:TI-amH-UXoGEVj20KA6_N) | | Lending | **New pages**
9 purchasing a loan APIs added.
Summarized: [Purchasing a loan](docId\:Nind2cXz8d2shN6KvBZ57) | 1. [Loan information](docId\:AHb0AJpxgcw4kmr-aRBmG) 2. [Loan purchase details](docId:6zdZZ_wBF0jUldlUAfIXv) 3. [Calculate loan total](docId:6Ee5TCHad98vi2v8Pholk) 4. [Loan aggregation summary](docId\:gW-q12__5Et5mupyZAHh8) 5. [Purchase receipt](docId\:c6HyxlpTQsvA1ffOp_Msz) 6. [Purchase account balance](docId:1KsF6yXedMp6mpzQCSXvJ) 7. [Purchase accounts and balances](docId\:niFW54Ln-G7hSf2V9zaUV) 8. [List available purchase accounts](docId\:Q3vC3-8hVXxHkOioJ0G3m) 9. [Check if purchase allowed](docId\:KEI4AcLgwId0kt9dtMEta) | | 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](docId\:oMTl1EcFpXJNGHlbTdUgy) | | 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](docId:8OUMz0bxLz8zmF0WojSUm)

Newer flow to the now deprecated [Create a Line-of-Credit (LOC)/ Draws](docId\:hOomD8XEF20gPGaLbQbeo) | ## 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](docId\:meJbS8NftALSrqnL-FQDz) * [Get payment details](docId:0GPRqBRHjRJNrDeukTbb9) * [Get extended check data](docId\:uebUHmGEw7GdicOKzMsqC) * [Initiate check return](docId\:H2Io-Tc5hUS-m4kz-X7Uv) * [Simulate inbound payment](docId\:RI6dUmr8d8aQ-mle7tdzy) * [Simulate inbound check return](docId\:RTk-hNjDYEP4Uma9yv1vq) | | International Payments | **Updated pages**
Added China as a supported country and to Payment Purpose Codes. | - [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) - [Payment purpose codes](docId\:kmgW82p6BkYZJX-aojTae) | | 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](docId\:BN5XtgkJogBe-CtwomCbS) | | Accounts/ Subledgers | **New page**
Added change subaccount/subledger title API | [Change subledger customer](docId\:wfjZEWfzQXnkXCWxsVcm5) | | 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](docId\:r_Cxcl0l2UoyWkuuJpaJ1) * [Get card controls](docId\:AT16WGXZGoV5cqFuFNPTP) | | Cards | **New pages**
Explanation of integrated issuing's Cross River Issuer Processor solution. Including authorization and velocity controls. | - [Issuer processor](docId:16hY0ioQvenMtYewHQyW1) - [Cross River issuer processor](docId\:Ps0bTkW5UIf7ZZH2GK0CN) - [Authorization controls](docId\:pmDUxJIkft5WPyPho9t3I) - [Velocity controls](docId\:sLdQPjEm_I6aGZEjEGkLi) | | Cards | **New pages**
Explanation of integrated issuing's 3DS online authentication solution | * [Online authentication](docId:4mMfedFxFt7M-ujpJrtXd) * [3DS in P1](docId\:RsoP_wzDVV8CX5rYXmpJl) | | Cards | **New pages**
Explanation of integrated issuing's digital wallet tokenization solution | - [Digital wallet tokenization](docId\:lczTu67dlLumQgAYpMHA_) - [Merchant tokenization](docId:0GY38ZVqIKGiMwDgLUG3p) - [Implementation steps](docId\:u9xI2bZ9wBD4Ib9FSk74y) | | Cards | **Updated page**
Added additional error codes | [Error codes: Cards](docId\:vofiURcg2TMteqOAwVl74) | | Accounts/ subledgers | **New page**
Added change subaccount/subledger title API | [Change subledger title](docId\:vF6EET959sod8TW1orGD8) | | ACH | **New page**
Added simulation API for inbound ACH origination | [Simulate inbound ACH origination](docId\:rABd6qMClRqKEWOCp3QnQ) | | Cards | **New pages**
Added new pages for partner -> Cross River reports including sample files, templates, and explanation of fields. | * [Transaction master file](docId\:PVjJRzxx5Ut2Km9q2lyt_) * [Daily balance file](docId\:TqfXbaVGD8UdqwlgL7bLH) * [Monthly dispute and chargeback reporting](docId\:qPdMDs9mO8lOySCIxKh4_) * [Quarterly report templates](docId\:wXzBeKn3HV0pQbK0C6UQA) | | Customer management | **New page**
Added the Update due diligence info API to the docs | [Update due diligence info](docId\:E6pfz1-BGdTt1VFDx_prh) | | International Payments | **Updated page**
Added Israel to list of supported countries | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | Customer management | **New page**
Added the Deactivate customer API to the docs | [Deactivate customer](docId\:TRaekwV-r6EIhodKucu0z) | ## June 2026 | Product | Change | More information | | ----------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------ | | International Payments | **Updated page**
Added currency limit. Updated the Countries supported table. Added Costa Rica. | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | Wires | **Updated pages and new page**
Updates wiress APIs pages related to new postalAddress block.
Also added new page describing the new change | [Wires](docId\:Mm_yqgvcWNtsGDLnNX-og)
[Wires postal address update (November 2027)](docId\:f_ySFp9kRRgywHcekgDD9) | | Wires, Instant Payments and Card Payments | **Updated page**
Enhanced and arranged by category | [Error codes](docId\:QHfoIlk5A4CUlj1_b_eUz) | | Cards | **Updated page**
Enhanced and arranged by category | [Error codes: Cards](docId\:vofiURcg2TMteqOAwVl74) | | International Payments | **Updated page**
Enhanced and arranged by category | [Error codes: International payments](docId\:fSileGUuETELL525B5Xtu) | | XML Batch Payments | **Updated page**
Added SFTP folder structure | [File transfer](docId:6-zq8c8-CWNZG8BXLhILx) | | COS Explorer | **Updated page**
Updated first-time access information | [COS Explorer first-time access](docId\:JwSEUG3ELF_gXLhy6T9KI) | | COS Explorer | **New page**
Created a dedicated page to explain how partners get COS Explorer access for their organizations | [COS Explorer organization access](docId\:pd0J5p2HwghkS-Jt9JrLy) | | 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](docId:439iYERDzE2H4Am7G6jv6) | | Lending | **Updated page**
All hook registration functionality available via the API can also be performed through the Hooks UI. | [Hook notifications](docId\:jXGfRbtNHOshrZJYHYKTo) | | Lending | **Updated page**
Added section: Integrations in PAV2 | [Application decisioning](docId\:VwjhFeFwgjKJ9lggqLVW9) | | Cards | **New APIs**
Card controls. Velocity and authorization controls. | [Set card controls](docId\:r_Cxcl0l2UoyWkuuJpaJ1) | | Cards | **New APIs/webhooks**
Digital wallet tokenization | [Retrieve wallet tokens](docId\:XkoW0XYhCILYqvZGbtuRS) | | Cards | **New APIs/webhooks**
3DS Authentication. 3D Secure is a protocol that verifies cardholder identity online. | [3DS authentication details](docId\:Su5NVsUfruWN28v1O7gM8) | | Cards | **Updated page**
Added webhook samples for wallet tokenization and 3DS authentication | [Webhook events: Cards](docId\:paDKAtuyIo5w0YsAexxwl) | | Cards | **Updated page**
Added **servicing tapes** (data) for servicing events monitoring and reconciliation | [Reporting and compliance](docId\:i4b_iqAVcQFp9m1611twC) | | 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](docId:2imBAozOUuzQ-cUrNX7th) | ## May 2026 | Product | Change | More information | Effective Date | | ---------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------- | | International Payments | **Updated page**
Added Singapore to list of supported countries | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | | Onchain payments | **New API**
Add PII for a sender or originator to an incoming payment | [Send PII](docId\:A9MDJ5F6zIXzYX4IskuCv) | | | Onchain payments | **New API**
Delete or disable a blockchain receiving address associated with an account | [Delete wallet](docId\:F7rpN0GO__a-8fWjDSbDA) | | | Onchain payments | **New pages**
Added a new section describing onchain payment concepts | [Onchain payments](docId\:Mc7jArWvyeJs8xoLfGqH5) | | | Org Management | **Updated pages**
Org management portal pages improved and updated to reflect UI improvements. Content made clearer and more comprehensive. | [Org management portal](docId\:C90JfVUQ2MwiRVdsAwxgr) | | | 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](docId\:UqbUGIJ4pdNHXSiPO-tdL) | | | Lending | **Updated page**
Updated page and created sub-pages for each API endpoint. | [Purchasing a loan](docId\:Nind2cXz8d2shN6KvBZ57) | | | Reports | **New page**
Added a page describing daily account balance report content | [Daily account balance](docId\:iP_VT9ImwcK4gQryLpGC1) | 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](docId\:u22kF_UIlTq9l1Y5PxE69) | 12/May/2026 | | Accounts | **Updated pages**
Improved the main accounts pages | [Accounts](docId\:ZQyAf4oeI1rEzpBOI78MJ)
[Deposit accounts (DDA)](docId\:CH79CVvK5RKYdFluIvp-D)
[For benefit of (FBO) accounts](docId\:TbRKOj7ConnpBGQUkLe_t)
[Subledgers](docId\:OdZF-4AInebu2YUz5GRCs) | 12/May/2026 | | Accounts | **New page**
Describes reconciliation and balance sync | [Reconciliation and balance sync](docId:5VfBbxzrv2M50laMRO_kJ) | 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](docId:2OOlsywMLwZlqaGtssPcd) | | | Lending | **Updated page**
Check delivery section updated | [Check rail](docId\:DbSSCTmmsCExM9uObFa4n) | 6/May/2026 | | International Payments | **New API**
Cancel Payment (Remittance) | [Cancel payment](docId\:SwyRh0F0e40q1DOFZmuNr) | | | Card Payments | **New page**
Added Card Payments testing card numbers page | [Sample cards for testing: COS Card Payments](docId\:OJKIN15EzzTokXdlwB3Dn) | 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](docId\:Z5zkbYq_txaz_1bVhxbYG) | 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](docId:3nPVK0JfOSqRv4rbIaasf) | 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](docId\:N4v5rMveHGzR3IxHCEKOW) | 5/May/2026 | | Card Issuing | **Updated page**
Added section about Balance visibility and FDIC insurance detailing the three partner-managed variations. | [Partner-managed](docId\:n-sV1g5OiDbnWae2xWnSj) | 5/May/2026 | | Card Issuing | **Updated page**
Added information about FDIC compliance | [Reporting and compliance](docId\:i4b_iqAVcQFp9m1611twC) | 5/May/2026 | ## April 2026 | Product | Change | More information | Effective Date | | ---------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------- | -------------- | | International Payments | **Updated page**
Added local currency for Mexico | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | 29 Apr 2026 | | Lending | **Updated page**
Added fields to servicing tape | [Servicing reports](docId\:TwtdRN1QeSyjeTBmoegpI) | 29 Apr 2026 | | Lending | **Updated page**
`RailResultType` enums updated | [Enums](docId\:hpq_QWOAKV9JprqwkFR1I) | 28 Apr 2026 | | Lending | **Updated page**
Minor update to rail cutoff times | [Loan funding - payment rails](docId\:GMP-Bavby6sAgCbQlLsJM) | | | Card Payments | **Updated page**
Added new error codes for COS Card Payments | [Error codes: COS Card payments](docId\:i9WcOaYoSIZfkqnhPqQGM) | 23 Apr 2026 | | Card Payments | **Updated page**
Updated webhooks for COS Card Payments to include additional webhooks and updated payload | [Webhook events list](docId\:qF6bTOPBPNcpLPp9SAtWI) | 21 Apr 2026 | | Card Payments | **Updated page**
Changed description of dynamic descriptors | [Statement descriptor](docId:0I53j9w0YkGVwFwzabgZ5) | 20 Apr 2026 | | Card Payments | **New pages**
New release of ALL COS Card Payments API and Concept pages | [Card payments](docId\:g7Y21FC4eEZ5GQY_za6Ly) | 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](docId\:EIckX6Djcuo3cryRIH8mp) | 21 Apr 2026 | | Accounts | **New page**
COS Explorer tutorial: Find an account | [Find an account](docId\:T26_viv_qnTdGFCjD5sNl) | 26 Apr 2026 | | Accounts | **New page**
COS Explorer tutorial: Manage account restrictions | [Manage account restrictions](docId:94wGUSdNfHOWubEqu12ka) | 26 Apr 2026 | | Accounts | **New page**
COS Explorer tutorial: Open a subledger (subaccount) | [Open a subledger](docId\:jD1oERC7t4gig2wsfE-Vt) | 26 Apr 2026 | | Accounts | **New page**
COS Explorer tutorial: Close a subledger (subaccount) | [Close a subledger](docId\:sqil5j4R3JkvHGzpvwA69) | 26 Apr 2026 | | Accounts | **New page**
COS Explorer tutorial: Find a subledger (subaccount) | [Find a subledger](docId\:q1g1E7Sq9z6lUmO-fPDGc) | 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](docId\:K40F8Ih5SnvtbAbcEJ1MR) | 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](docId\:GKGAFhjPQMTXsfHG6xbqs) | 20 Mar 2026 | | Wires | **Feature update**
Wires webhook events | Added new wires webhook events related to rejects
[Webhook events: Wires](docId\:OA3cg-apKn_510VPq2yYe) | 15 Mar 2026 | | Instant Payments | **Updated page**
Added additional error codes | Updated table to include missing error codes
[Error codes: Instant payments - old](docId:4iziPCkNc4MYp0sd_F2h_) | 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](docId\:C90JfVUQ2MwiRVdsAwxgr) | 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 decisioning](docId\:VwjhFeFwgjKJ9lggqLVW9) | 15/1/2026 | ## December 2025 | Product | Change | More information | Effective Date | | -------- | ----------------------------------------------------------------------------------------------------------- | ------------------------------------------------------- | -------------- | | Crypto | **New product**
Onchain payments APIs | [Onchain payments APIs](docId\:lnZ2VwmXVahA4yP7mayED) | | | Lending | **Feature update**
Applications submitted through Preapproval v2, can be seen on the Application UI | [Application decisioning](docId\:VwjhFeFwgjKJ9lggqLVW9) | | | 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](docId\:PTX0F232EfVCVLbsYzT6I) | 19 Nov 2025 | | International Payments | **API update**
Request payment quote API updated to add Originator Information | [Request payment quote API](docId\:OnbkGeBIHVb4ihvB1haKL) | 17 Nov 2025 | | International Payments | **COS Explorer update**
Originate Payment updated to add Originator Information | [International Payments COS Explorer tutorial](docId\:bQKIAw_2bTUCTMdS463Nv) | 17 Nov 2025 | | International Payments | **Feature update**
Added Malaysia and the Philippines. | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | | Lending | **API update**
Submitting supporting documents for an application now uses the partner's *ApplicationId *as the identifier | [Attachments by appID](docId\:IGXXXxmWhG0xi-eKGsVRd) | 1 Nov 2025 | ## October 2025 | Product | Change | More information | | -------- | ------------------------------------------------------------------------------------------------- | -------------------------------------------------------- | | Lending | **New feature**
Application decisioning Pav2. Including 2 new APIs. | [Application decisioning](docId\:VwjhFeFwgjKJ9lggqLVW9) | | ACH | **COS Explorer update**
Manage ACH reversals through the Cross River COS Explorer interface. | [Manage reversal flow](docId:_XTTEhiJZ6z3XFfueIMQ_) | ## 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](docId:88_iQwsRFzVb0Wp1UlwYP) | | International Payments | **Page update**
Increased the number of supported countries and currencies. | [Supported countries](docId\:p_Cb7wXlzG8of31c9xlgj) | | International Payments | **New feature**
**P**ayment **P**urpose **C**odes (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](docId\:kmgW82p6BkYZJX-aojTae) |