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Cross River | API-Based Financial Solutions for Business

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# Enable finance for *infinite* possibilities

Cross River's API-driven banking infrastructure embeds financial services across industries and provides the foundation for regulatory compliance upon which our partners grow.

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## Together, we're *redefining* financial services

Built on putting our partners first to provide financial technology for everyone, everywhere.

Merchant Payouts

## Enable *immediate* access to funds

Leverage multi-rail merchant payouts with RTP®, FedNow®, push-to-card and same-day-ACH.

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Faster and *on-demand* payouts

Settle 24/7/365

No third-party dependences

Real-time status updates

“As leaders in faster payments, we continue to offer solutions for instant & secure money movement. By providing FedNow we hope to extend faster payments reach to more US DDAs, support partner growth, and be part of this milestone in financial technology. ”

Adam Goller

evp, head of fintech banking

cross river

“Through our partnership with Cross River, Plaid Transfer now offers instant pay-ins, instant payouts and Same Day ACH, as part of a full solution with best-in-class account linking and optimized conversion, so customers can tailor bank payments across their business.”

Brian Dammeir

Global Head of Payments and Financial Management

Plaid

RfP

# Instant *pay-ins* to fuel instant payouts

Turn payment requests into instant cash flow with Request for Payment (RfP) functionality – powered by the RTP® network. Cross River, known for enabling fast payouts, now strengthens real-time payment capabilities to include instant pay-ins.

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Good funds, instantly

Instant settlement

Always-on processing

Push payment model

Built for Developers

## Technology is at the core of what we do

Build.

Deploy.

Scale.

Access our sandbox environment and explore our APIs. Cross River's solutions are ready to power the banking, payments and lending services you need to scale.

Partner with Cross River's compliance, risk management and implementation teams to bring your products to market.

Once connected, always connected. Cross River's proprietary API-driven banking core seamlessly propels your growth. Expand your customer base and meet growing demands through additional product integrations.

Platform Lending

Payments

Push to Card



{
"Loan": {
"LoanNumber": {{loanNumber}},
"IssuingBankId": "CRB",
"Platform": "string",
"LoanType": 1,
"NoteDate": "2019-12-31",
"BorrowerLastName": {{$randomLastName}},
"BorrowerFirstName": {{$randomFirstName}},
"BorrowerDOB": "1986-12-31",
"BorrowerSSN": {{borrowerSSN}},
"BorrowerAddress": {{borrowerAddress}},
"BorrowerCity": {{$randomCity}},
"BorrowerState": {{borrowerState}},
"BorrowerZip": {{borrowerZip}},
"LoanAmount": 1500,
"NetFunding": 1300,
"Rate": 0.2,
"APR": "10",
"BatchId": "string",
"BorrowerPhone": {{$randomPhoneNumber}},
"BorrowerEmail": {{$randomEmail}},
"Amortization": 0,
"Term": 36,
"RateType": 0,
"PriorLoanFlag": "string",
"FICO": 10,
"FICODate": "2017-12-31",,
`

Explore API Documentation



{
"accountNumber": "1234567890",
"receiver": {
"routingNumber": "021000021",
"accountNumber": "456789000",
"accountType": "Checking",
"name": "Bob Smith",
"identification": "XYZ123",
},
"secCode": "IAT",
"description": "Payment",
"transactionType": "Push",
"amount": 10000,
"serviceType": "Standard",
"iatDetails": {
"receiver": {
"address": "123 Maple St",
"city": "New York",
"state": "NY",
"postalCode": "10025",
"countryCode": "US"
},
"receivingBank": {
"name": "First Bank of Business",
"identification": "021214862",
"idQualifier": "01",
"countryCode": "US"
}

Explore API Documentation



{
"sourceSenderId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
"sourceSenderName": "Smiths",
"sourceMcc": "5434",
"requestId": "298fa967-97dp-vvy6-afag-11sghvk6nx12",
"cardToken": "12975twtr423hbs34bn670103",
"amount": 10
}


Explore API Documentation

Explore API Documentation

Faster Payments

Expense Management

Merchant Settlement

Earned Wage Access

Credit Building

Use Cases

## Plaid *scales* its business with faster payments

From their start, Plaid built API technology that could be easily integrated into apps and services for account verification and open banking -- necessary tools for secure money movement.

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Use Cases

## Credit *building* through credit cards for SMBs

Create opportunities for small businesses to access credit and integrate budgeting tools by leveraging Cross River's issuing BIN sponsorship and processor options.

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Use Cases

## Enabling *merchant* fund settlement

Connect consumers with the financial portals they need to complete purchases through an acquiring BIN sponsorship program and payment rails like push-to-card.

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Use Cases

## *Fast payments* for the gig economy

On demand services call for on demand payments. Faster payment rails like Real-Time Payments and push-to-card help companies meet the needs of customers.

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Use Cases

## The path to financial inclusion with innovative *credit building* tools

Current and Cross River partner to address a pressing challenge in the U.S. financial system: the plight of 26MM underbanked and credit invisible population with innovative credit-building tools.

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## Ready to *get started?*

We bridge the best of both worlds. The technology support you want, combined with the banking expertise you need to create a customized banking solution no matter what your business needs may be.

Get In Touch

Explore API Documentation

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