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## Docs

- [Daily account activity](https://docs.crossriver.com/get-started/reports/accounts-and-payments/daily-account-activity.md): The Daily Account Activity report, details financial transactions to reconcile between what you requested from the COS and what COS actually processed.
- [Setup](https://docs.crossriver.com/get-started/build-a-sample-app/setup.md): Get started by consulting the Quickstart guide, utilizing sandbox environments for testing, and leveraging webhooks for real-time updates.
- [API structure](https://docs.crossriver.com/get-started/api-basics/api-structure.md): Use Cross River's RESTful APIs using standard HTTP methods, JSON responses, and a sandbox for easy testing and development.
- [Lending](https://docs.crossriver.com/faq/lending.md): Discover Cross River's lending platform, designed for marketplace lenders, detailing the loan process from application to funding, seasoning, and daily servicing requirements.
- [Customer record](https://docs.crossriver.com/get-started/quickstart/customer-record.md): Create and manage customer records for Cross River services, ensuring compliance with KYC/KYB regulations through effective onboarding and API integration.
- [Build a sample app](https://docs.crossriver.com/get-started/build-a-sample-app.md): Get started with Cross River APIs—grab credentials, get a token, create customer records, manage cards, create a loan, and test with a sample app.
- [Daily wire payments](https://docs.crossriver.com/get-started/reports/accounts-and-payments/daily-wire-payments.md): The daily wire payment file drop by partner report. Use COS for both domestic and international wire transfers through the Fedwire system.
- [Quickstart](https://docs.crossriver.com/get-started/quickstart.md): Get started with Cross River APIs—get credentials, use tokens and webhooks, test in our sandbox or using our public Postman collection.
- [COS Explorer user management](https://docs.crossriver.com/get-started/quickstart/cos-explorer/COSE-user-management.md): Discover how organization admins efficiently manage user access to COS Explorer with tailored roles, approval processes, and essential guidelines for secure permissions.
- [Start with customers and accounts](https://docs.crossriver.com/get-started/build-a-sample-app/start-with-customer-and-accounts.md): Onboard customers using Cross River APIs, including customer record creation, account creation and funding and webhook registration.
- [Webhooks](https://docs.crossriver.com/get-started/quickstart/webhooks.md): Webhooks push real-time updates to your system, reducing latency and polling. Register via API to get instant notifications on account or transaction changes.
- [Sandbox](https://docs.crossriver.com/get-started/quickstart/sandbox.md): Explore the Cross River Sandbox, a secure environment for developers to test integrations, simulate workflows, and ensure seamless transitions to production without risk.
- [Sandbox environments](https://docs.crossriver.com/get-started/quickstart/sandbox-environments.md): Use our sandbox to safely test APIs for customer management, accounts, cards, payments, lending, and webhooks, ensuring a smooth move to production.
- [Daily account balance](https://docs.crossriver.com/get-started/reports/accounts-and-payments/account-balance-report.md): The Daily Account Balance by Partner report provides a snapshot of account balances for all master accounts to reconcile daily balances between partner systems and COS.
- [Webhooks - COS](https://docs.crossriver.com/faq/webhooks-cos.md): Discover essential insights in our comprehensive FAQ document on webhooks, covering event types, delivery statuses, resource limits, and IP addresses for sandbox and production environments.
- [Daily chargeback report](https://docs.crossriver.com/get-started/reports/card-payments/daily-chargeback-report.md): The daily chargeback report lists new and updated cases for review and management, securely delivered via SFTP to your assigned folder.
- [FAQ](https://docs.crossriver.com/faq.md)
- [Checks](https://docs.crossriver.com/faq/checks.md): Discover Cross River's comprehensive check services, from writing checks to image-based deposits via API, ensuring secure transactions and compliance for users.
- [Card payments](https://docs.crossriver.com/faq/card-payments.md): Explore Cross River's push-to-card payment services, covering P2C and AFT transactions, security measures, and integration via secure iFrames for seamless online payments.
- [Configure SSO](https://docs.crossriver.com/get-started/program-setup/org-management-portal/configure-sso.md): Access Cross River applications with your own SSO (Single Sign On) login system, supporting OIDC and SAML easily through our Org Management portal.
- [Daily settlement (summary)](https://docs.crossriver.com/get-started/reports/card-payments/daily-settlement-summary.md): Daily pre-settlement reports match payments to transaction batches and show balances and partner activity, reflecting settlements to be transferred that day.
- [COS reports setup](https://docs.crossriver.com/get-started/reports/accounts-and-payments/onboarding.md): How to onboard to receive COS reports, SFTP setup, report generation, naming conventions, and access configurations.
- [API versioning](https://docs.crossriver.com/get-started/api-basics/api-versioning.md): All API endpoints contain a numbered version in the URL. Whenever breaking changes are made to the API, a new major version will be created.
- [Sandbox and production differences](https://docs.crossriver.com/get-started/quickstart/sandbox-and-production-differences.md): Discover the key differences between the Sandbox and Production environments.
- [COS Explorer user roles](https://docs.crossriver.com/get-started/quickstart/cos-explorer/user-management/user-roles.md): Use COS Explorer to manage user permissions with predefined roles, boosting security and efficiency while tailoring access to your organization’s needs.
- [Initial access registration](https://docs.crossriver.com/get-started/program-setup/org-management-portal/sign-in-and-security.md): Register and set up accounts on Cross River's Identity Server, including MFA setup, password management, IP whitelisting, and troubleshooting.
- [Card payment reports](https://docs.crossriver.com/get-started/reports/card-payment-reports.md): To assist partners with financial settlement and reconciliation, Cross River provides consolidated daily reports of payment transaction and chargeback activity.
- [Daily exceptions](https://docs.crossriver.com/get-started/reports/card-payments/daily-exceptions.md): The daily exceptions report flags irregular, unprocessed, or mismatched transactions and is securely delivered via SFTP to your designated folder.
- [Use access token](https://docs.crossriver.com/get-started/quickstart/use-access-token.md): Learn how to obtain and securely use an API access token, including steps for acquiring credentials, making requests, and examples for cURL and Postman.
- [Welcome](https://docs.crossriver.com.md): Explore Cross River docs for our quick guides, APIs and tutorials. Get started fast and make the most of our banking platform.
- [Webhooks report](https://docs.crossriver.com/get-started/reports/accounts-and-payments/webhooks.md): Report details for the "Webhook Events Export File Drop By Partner" report for detailed insights on webhook events.
- [Lending reports](https://docs.crossriver.com/get-started/reports/lending-reports.md): Servicing and transaction loan reports accessed via SFTP.
- [Daily settlement (detailed)](https://docs.crossriver.com/get-started/reports/card-payments/daily-settlement-detailed.md): Daily pre-settlement reports match payments to their transaction batches, giving a detailed breakdown of all transactions within your chosen date range.
- [International payments](https://docs.crossriver.com/faq/international-payments.md): Discover Cross River's International Payments services, addressing key FAQs
- [Customer onboarding](https://docs.crossriver.com/get-started/program-setup/customer-onboarding.md): Manage your customer information in the Cross River operating system (COS), including creating a customer record, using either APIs or COS Explorer.
- [Accounts and payments](https://docs.crossriver.com/get-started/reports/accounts-and-payments.md): Onboarding resources, including overdrawn accounts, daily activities, and transaction summaries, to enhance partner account management.
- [Set up SFTP](https://docs.crossriver.com/get-started/program-setup/set-up-sftp.md): Securely exchange sensitive information with Cross River using SFTP; follow guidelines for IP access requests, PGP encryption, and file management for PII protection.
- [Idempotency](https://docs.crossriver.com/get-started/api-basics/idempotency.md): Idempotency in API design enhances reliability during request retries, utilizing keys to prevent duplicate transactions and ensure consistent outcomes.
- [Credit risk data reports](https://docs.crossriver.com/get-started/reports/credit-risk-data-reports.md): Monthly credit risk metrics submission guidelines for Cross River partners: CSV format requirements, SFTP access, and key metrics tracking for effective reporting.
- [Pagination](https://docs.crossriver.com/get-started/api-basics/pagination.md): Pagination enhances data accessibility by segmenting large datasets into smaller, manageable sections, complete with parameters for optimized queries and structured responses.
- [HTTP status codes](https://docs.crossriver.com/get-started/api-basics/http-status-codes.md): Discover HTTP status codes with meanings and recovery actions perfect for troubleshooting API-related errors efficiently.
- [Cards](https://docs.crossriver.com/faq/cards.md): Discover Cross River's card-issuing platform, exploring card types, issuing models, advanced authorization features, and how we ensure compliance for partners.
- [ACH](https://docs.crossriver.com/faq/ach.md): Discover Cross River's ACH services, addressing key FAQs on processing, transaction types, and features like Early Direct Deposit for efficient electronic payments.
- [COS Explorer IP whitelist](https://docs.crossriver.com/get-started/quickstart/cos-explorer/ip-whitelist-allowlist.md): Learn how to access COS Explorer with a static IP address, and ensure your firewall permits essential Identity Server IPs and FQDNs for seamless connectivity.
- [Cross River access troubleshooting](https://docs.crossriver.com/get-started/program-setup/org-management-portal/access-troubleshooting.md): Troubleshoot COS Explorer access issues including firewall restrictions, MFA code errors, password resets, and account lockouts.
- [Daily ACH payments](https://docs.crossriver.com/get-started/reports/accounts-and-payments/daily-ach-payments.md): Procedures for managing ACH payment files in the Cross River Operating System (COS), ensuring compliance with SEC codes and NACHA regulations.
- [API Basics](https://docs.crossriver.com/get-started/api-basics.md): Cross River's RESTful APIs, featuring allowlisting, idempotency, pagination, and versioning, ensuring robust access and streamlined data management.
- [Glossary](https://docs.crossriver.com/get-started/glossary.md): Explore essential financial terms and concepts in our glossary covering regulatory frameworks, payment methods, and key roles in transactions.
- [COS Explorer access troubleshooting](https://docs.crossriver.com/get-started/quickstart/cos-explorer/COSE-access-troubleshooting.md): Troubleshoot COS Explorer access issues including firewall restrictions, MFA code errors, password resets, and account lockouts.
- [Get access token](https://docs.crossriver.com/get-started/quickstart/get-access-token.md): Cross River uses OAuth 2.0 for secure API access. Get your credentials, request a token, and use it in your API calls with Postman, cURL, or COS Explorer.
- [Instant payments](https://docs.crossriver.com/faq/instant-payments.md): Discover Cross River's instant payment services, offering 24/7 real-time transactions via RTP®, FedNow®, and CRNow, with efficient processing and tracking features.
- [Admin actions](https://docs.crossriver.com/get-started/program-setup/org-management-portal/admin-actions.md)
- [Wires](https://docs.crossriver.com/faq/wires.md): Discover essential insights on wire transfers at Cross River, including procedures, cutoff times, compliance, and how to track domestic and international payments efficiently.
- [Accounts](https://docs.crossriver.com/faq/accounts.md): Discover the diverse deposit accounts offered by Cross River, including checking, savings, and FBO accounts, designed for flexible fund management and easy transactions.
- [Daily RTP activity](https://docs.crossriver.com/get-started/reports/accounts-and-payments/daily-rtp-activity.md): Daily RTP transactions report for COS partners, detailing outbound and inbound payment requests, Enum values, and payment sources for effective reconciliation.
- [COS Explorer](https://docs.crossriver.com/get-started/quickstart/cos-explorer.md): Discover COS Explorer, a comprehensive web UI tool for managing banking operations in the Cross River operating system.
- [COS Explorer first-time access](https://docs.crossriver.com/get-started/quickstart/cos-explorer/access.md): Simplify your onboarding to COS Explorer with our guide on setting up admin access, account verification, and managing roles for effective task management.
- [Get API credentials](https://docs.crossriver.com/get-started/quickstart/get-api-credentials.md): Register for Cross River APIs, obtain your access token, and ensure your IP is allowlisted to access the sandbox environment successfully.
- [Org management portal](https://docs.crossriver.com/get-started/program-setup/org-management-portal.md): The Organization Management portal, empowers admin users with secure control over clients and users, featuring SSO, role management, and IP whitelisting.
- [Postman collection](https://docs.crossriver.com/get-started/quickstart/postman-collection.md): Use our Postman collection for our APIs, featuring setup instructions, authentication details, and code snippets for seamless integration and testing.
- [Static IPs](https://docs.crossriver.com/get-started/api-basics/static-ips.md): Access Cross River's products by allowlisting your static public IP address during onboarding.
- [Start with cards](https://docs.crossriver.com/get-started/build-a-sample-app/start-with-cards.md): Use Cross River APIs for card management, from issuing and activating physical and virtual cards to essential onboarding and webhook integration.
- [COS product types and IDs](https://docs.crossriver.com/get-started/quickstart/COS-product-types-and-ids.md): Cross River enables the creation of product types like debit cards and savings accounts, as well as a providing a product ID for each product type.
- [Start with lending](https://docs.crossriver.com/get-started/build-a-sample-app/start-with-lending.md): Use the Lending API for loan management, including credential setup, sandbox access, and helpful Swagger documentation links.
- [COS terms](https://docs.crossriver.com/get-started/quickstart/cos-terms.md): Discover the COS (Cross River Operating System), an API framework that streamlines fintech operations with unique identifiers for secure partner interactions and efficient banking tasks.
- [COS Explorer organization access](https://docs.crossriver.com/get-started/quickstart/cos-explorer/COSE-organization-access.md): Partner organizations must request access, complete a form, and supply static IPs and admin details to get access for their organization to COS Explorer
- [Reports](https://docs.crossriver.com/get-started/reports.md): Financial reports and requirements for partnering with Cross River, including onboarding, card payment reports, credit risk metrics for effective settlements and Lending.
- [Disclaimer](https://docs.crossriver.com/get-started/disclaimer.md): All Cross River software, systems, and site materials are provided “as is” and “as available,” without any warranties of any kind.
- [Program setup](https://docs.crossriver.com/get-started/program-setup.md): This section details SFTP setups, customer onboarding management via APIs or COS Explorer, and essential resources for navigation.
- [Connect to Cross River docs via MCP](https://docs.crossriver.com/get-started/quickstart/connect-with-mcp.md): The document explains that an AI assistant can access and interpret your API docs via an MCP server, enabling fast, accurate, read‑only answers to API questions.
- [Overdrawn account](https://docs.crossriver.com/get-started/reports/accounts-and-payments/overdrawn-account.md): The Overdrawn Account Report from COS, details daily account overdrafts, essential customer info, and notifications for partners.