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Card Issuing

Launch an Issuing Program

Build and scale debit and credit card programs on Cross River’s flexible, processor-agnostic issuing platform.

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Product Overview

BIN sponsorships for card issuance

Cross River is a member of the major card networks - Visa & Mastercard. Leverage our BINs for a range of card programs.

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Debit

Credit

Prepaid

Upgrade customers are paying almost seven times less interest on an Upgrade Card balance paid down over two years than they would by making the monthly minimum payment on a traditional credit card

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Renaud Laplanche

CEO & Co-founder Upgrade

Benefits

Differentiated card issuing solutions

Key features

Flexible, multi-processor card issuance from BIN sponsorship to full-stack program management.

Issuing BIN sponsorship

Bring your own processor / integrated processor

Build with major card networks

Virtual cards

Unlimited subledgers

curl --location -X POST -H 'Content-Type: application/json' \ -H 'Authorization: {Bearer token}' \ -d '{ "accountNumber": "2608927303", "customerId": "2b15a695-13dc-4b10-b4e5-af5b0138873c", "configurationId": "a6b5a94c-f8f9-462b-8ce8-afa400f5b640", "firstName": "John", "middleName": "Jacob", "lastName": "Smith", "suffix": "Jr", "phone": { "phoneType": "Home", "phoneNumber": "2015551234" "emailAddress": "john@abccompany.com" "shippingAddress": { "street1": "123 Maple Lane", "street2": "Apt. 1", "city": "New York", "state": "NY", "postalCode": "10025", "countryCode": "US" }
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Expand beyond card issuing
Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.
Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.
Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

Fast, compliant & nationwide origination

From application to securitization, launch and scale innovative lending solutions with Cross River’s end-to-end digital lending suite.

Multi-rail payments capabilities

Leverage near real-time rails and instant payout solutions to build account funding and payments offerings.

Tech-forward BIN sponsorship

Integrated acquiring BIN solutions via API – purpose-built for ISOs, Payfacs, Marketplaces, ISVs, and mobile wallet providers.

Uses for card issuing

Consumer cards

Commercial cards

Secured/unsecured

Neobanks

Expense management

Corporate accounts

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.