Issuing models

Cross River (CR) offers two flexible operating models for card issuing. Partners can select the approach that best matches their technical capabilities, operational preferences, and program goals.

In an integrated issuing model, Cross River provides BIN sponsorship, acts as the ledger, manages transaction authorization, integrates directly with supported processors, and provides network and regulatory compliance oversight. This model simplifies setup, reduces technical burden, and enables faster time to market for our partners. It is designed for partners who want to focus primarily on delivering customer experience without managing banking infrastructure or complex back-office processes.

In a partner-managed model, Cross River partners maintain control over ledgering, authorization, and customer experience by working with a processor of their choosing. Cross River provides BIN sponsorship, regulatory oversight, and manages settlement with card networks. This model is ideal for partners who already have established processor relationships and operational capabilities. It enables greater customization of authorization rules, ledger management, and customer-facing experiences while leveraging Cross River's banking infrastructure and compliance oversight.