---
title: Advanced authorization
slug: concepts/cards/issuing-models/integrated-issuing/advanced-authorization
description: Cross River’s advanced authorization lets Integrated Issuing partners shape real-time card approvals, reduce declines, improve user experience, while keeping network compliance oversight.
docTags: 
createdAt: 2025-08-25T05:03:44.706Z
---

## Cross River advanced authorization solution

Cross River’s advanced authorization capability allows partners using the [Integrated Issuing](docId\:fziT-TwcIdJLJprbecwed) 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 one of two modes:

- [Direct mode](docId\:fTR4CLg4XBVgw9KqrpZuy): 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.
- [Assist mode](docId\:fMOS52Hkn6siNvg16ah4h): Cross River makes the decision for all card transactions, provided there is enough balance in the account. Cross River will only reach out to the partner to request approval for transactions that would have otherwise been declined due to insufficient funds. 

:::hint{type="warning"}
These capabilities are available only to partners who meet Cross River’s operational, technical, and compliance standards.
:::

# Read more

- [Direct mode](docId\:fTR4CLg4XBVgw9KqrpZuy) 
- [Assist mode](docId\:fMOS52Hkn6siNvg16ah4h) 
- [Program requirements](docId\:x-LGCHmpqNjq--3q9DKx8) 
- [Advanced authorization flow](docId\:f0t-EXsw0j8b3imdECq1C) 
- [Reconciliation](docId:01dCqwxq22LUp2Dl3HP1_)