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 network compliance oversight.

Partners can participate through Direct mode where the partner makes the real-time authorization decision for every transaction. Cross River will send to the partner all authorization requests and the partner must respond within the required time window with an approval or a decline, which Cross River will communicate to the card network. If the partner does not reply in under 1 second, Cross River will decline the transaction.