Assist mode

assist mode allows partners to participate in the authorization flow, specifically for transactions that would otherwise fail due to insufficient funds the partner can apply an alternate funding source, such as a rewards balance or promotional credit, and then reconcile with cross river to make the account whole key characteristics partner creates an api endpoint based on cross river's specifications to be able to receive requests for authorization in real time contact your {{relationshipmanager}} to get the specifiations required cross river's advanced authorization certification testing must be completed before going live cross river runs initial authorization logic, including account balance check partner is notified if a transaction is about to be declined due to insufficient account balance partner can override the decision and avoid the decline at the end of the day, the partner updates the account balance with funds from their operating account at cross river use cases travel or loyalty platforms enabling real time rewards redemption fintechs aiming to reduce nsf declines without owning full auth logic partners offering cashback, auto top up, or other alternate funding logic