Account-to-Account
Money Movement
Cross River’s multi-rail, API-based bank core connects companies to payment options that work best for their customers.
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API-based payment solutions
From near real-time rails to interoperable, instant payout solutions, Cross River’s products provide businesses the opportunity to build custom banking experiences.
“Real-time payments can help businesses build amazing experiences for consumers by delivering money when they need it. We are excited to expand our relationship with Cross River for innovative payment solutions on top of an API-based processing core.”
Settle funds with Cross River’s APIs
Key features
Build a stronger payment tech stack for a wide range of use cases and customers.
A single integration across rails
One unifying onboarding process
Interoperable instant payments with RTP & FedNow
Unlimited subledgers for optimal efficiency
Seamless experience for future growth
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, will strengthen real-time payment capabilities to include instant pay-ins.
Good funds, instantly
Instant settlement
Always-on processing
Push payment model

“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.”