Accelerating your business with our partner network
Imagine a world where instant payments have no transaction limits, integrations are effortless, and operations are streamlined. Introducing CRNow, Cross River's partner network. CRNow leverages the Instant Payments API to 24/7/365 instant, secure and seamless payments with no inherent transaction limits between Cross River's partners.
Say goodbye to limits
No transaction limits
CRNow imposes no inherent limits on transactions, giving you the flexibility to move funds without restrictions.*
Real-time payments, 24/7/365
Send and receive funds instantly, anytime and any day. Enjoy fast payment processing in seconds, even on weekends and holidays.
Effortless integration
Integrate CRNow into your current Instant Payments setup with minimal code changes for a smooth and efficient transition.
Expanded network access
Experience a smarter payments ecosystem. Seamlessly connect to three networks - FedNow®, TCH (RTP®), and CRNow - via a single API, with CRNow intelligently routing payments for a secure and efficient solution.
Streamlined internal transfers
Transfer funds between Cross River's Operating System (COS) recipients in real-time to eliminate delays and complexities associated with traditional wire transfers and ACH transactions.
.svg){kind=icon}
Confidence in every transaction
Partner with Cross River for controlled and secure transactions with vetted partners, and reliable dispute resolution to ensure every transaction is authorized for a worry-free financial experience.
“CRNow showcases our commitment to innovation and efficiency in payments. By harnessing the power of our Instant Payments API, we enable our partners to exchange funds securely, seamlessly, and in real-time with no transaction limits.”
Instant funds, infinite potential
On/off ramp for digital asset conversion
Fast and secure transfer of funds for businesses facilitates seamless on-ramps and off-ramps for digital assets.
.svg){kind=icon}
Digital banking
Facilitating fund transfers between Cross River account holders significantly boosts the speed and dependability of intra-bank transactions for a seamless and trustworthy banking experience.
.svg){kind=icon}
Corporate treasury management
Optimizing the management of internal funds across various corporate accounts facilitates effective liquidity distribution and treasury activities.
Client sub-account transfers
Direct and reliable transfers between client sub-accounts under a partner's master account simplifies fund movement between end-users to improve internal systems and minimize dependency on external payment networks.
FAQs
What is the per-transaction limit for CRNow?
CRNow has no inherent transaction limits. Limits are set individually for each partner by Cross River.
Who can I send transactions to using CRNow?
Transactions can be sent to approved Cross River partners that you have a business relationship with. Please contact your Relationship Manager to confirm eligibility and for enablement.
Is CRNow available 24/7, including weekends and holidays?
Yes, CRNow is available 24/7/365, allowing you to send and receive funds instantly at any time, including weekends and holidays.
How does Cross River route transactions between RTP®, FedNow®, and CRNow?CRNow intelligently routes transactions based on factors such as the routing number’s eligibility on each network, the receiving account number, and partner configuration settings. This ensures seamless and efficient fund transfers across the appropriate payment rail.
I am not using RTP® or FedNow®. Can I use CRNow and send money to a Cross River Partner?
Yes. You don’t have to be integrated with RTP® or FedNow® to be able to use CRNow. You will still need to integrate with our Instant Payments API to use CRNow.
I am already integrated with RTP® and FedNow®. What do I need to do to use CRNow?
Most of your integration is already done. You will use the same ‘Instant Payments API’ to originate CRNow transactions. Please refer to our API documentation for more information. * Limits are partner-specific and set by Cross River.