Integrated issuing

cross river integrated issuing solution integrated issuing lets partners use cross river's infrastructure to launch and manage card programs \[1] this model is perfect for partners who want a convenient way to offer cards without dealing with complex operations cross river acts as the issuing bank, keeps the records, and authorizes transactions cross river handles core banking, compliance, and network operations partners focus on customer experience and developing their applications \[1] this is subject to due diligence review and at in the sole discretion of cross river what we offer as with the partner managed framework, cross river acts as the issuing bank, providing bin sponsorship, banking oversight, guidance to maintain best practices, compliance support, and network settlement cross river also provides regulatory expertise and operational support in addition, cross river provides the technology infrastructure for card processing, relieving the partner of the need to find and integrate with a separate third party for this purpose cross river's role banking and program oversight as the issuing bank, cross river provides bin sponsorship as a {{principal member}} , cross river sponsors the use of its bank identification numbers (bins), enabling partners to issue cards without needing direct membership with visa or mastercard cross river has been assigned bins that can be used to sponsor our partners’ card programs that they extend to their customers oversight cross river ensures that card programs comply with visa, mastercard, and federal/state banking regulations through initial program evaluation and ongoing oversight network settlement and reporting cross river monitors program activity through review of daily files, transaction monitoring reporting and compliance , and exception handling processes to maintain operational integrity cross river manages network settlement with visa and mastercard technical infrastructure cross river powers the technical foundation for card programs processor integration cross river integrates with supported processors to relay authorization requests and transaction messages between card networks and cross river operating system (cos) ledger management cos maintains ledgers for customer accounts, card balances, and transaction history transaction authorization cross river offer two authorization models advanced authorization flow cos applies real time decisioning based on card status, available balance, program rules, and fraud controls advanced authorization 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 this opens up opportunities to reduce declines, improve user experience, and support alternative funding models while cross river retains regulatory and network compliance oversight card network connectivity cross river connects with visa and mastercard via supported processors to ensure authorized transactions are processed and settled correctly card lifecycle management cos support full card lifecycle management, enabling partners to control operations via cos apis and web based ui cos explorer webhook events integrations enable real time event driven updates for card lifecycle events, transaction activity, and status changes partner's role in the integrated issuing model, the partner’s role is streamlined cross river manages the majority of operational, compliance, and technical infrastructure, including ledgering, transaction authorization, processor integration, and network settlement this allows the partner to focus primarily on building the customer experience customer experience and application development the partner is responsible for designing and maintaining the end user interface, customer onboarding flows, and any custom logic for delivering card features within their application partners integrate with cos apis to create and manage card accounts, monitor status, and trigger lifecycle actions (e g , replace, suspend) \[1] find out more partner managed card transactions advanced authorization card lifecycle reporting and compliance see our tutorials to learn how to create a card activate a card simulate card management