Prepaid

Simplify, integrate, scale with Cross River Prepaid

Build impactful prepaid solutions through our card network partnerships.

Debit card zoom
The opportunity

The prepaid card market is booming, and for good reason

Reach the unbanked

Provide financial access to a vast, underserved population.

Gen Z favorite

Future-proof solutions for the fastest growing group of decision makers.

Mobile-first integration

Seamless integration with mobile wallets for on-the-go convenience.

Massive market opportunity

Prepaid is expected to reach $14 trillion in the next decade, reflecting a 19% CAGR*.

Together, we can build a smarter prepaid future

Partnering with Cross River lets you leverage our membership and BIN sponsorship with major card networks. This allows you to issue your own prepaid card without the lengthy onboarding process, allowing you to focus on what you do best – building financial solutions to address evolving customer requirements.

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Why Cross River

Simple, hassle-free & developer friendly

Our prepaid debit card programs offer consumers instant access to funds, while businesses benefit from streamlined payment distribution. Prepaid cards are a more efficient alternative to checks or cash, reducing administrative burdens and ensuring quicker access to funds. As a member of major card networks, we provide flexible, customized card solutions tailored to your business’s needs.

Fund Availability

Immediate access to funds preloaded by your business or individual.

Global Reach:

Accepted domestically and internationally wherever Visa or Mastercard are accepted.

Enhanced credibility

Showcase your brand prominently alongside trusted card networks, building trust and recognition.

Zero liability

Benefit from protection against unauthorized card usage, in accordance with major payment network policies.

Person working on laptopBlank cardPerson paying with card in a storeOffice hall
Consumer
Commercial
Payroll
Healthcare
Use Cases

The convenient way to manage money: consumer reloadable cards

Prepaid cards offer a convenient and budget-friendly way to manage everyday spending. They allow users to load funds electronically or with cash, promoting responsible spending habits and providing access to financial services for those who may not qualify for traditional bank accounts.

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Use Cases

Simplify expenses, empower businesses: commercial prepaid cards

Businesses use prepaid programs for various purposes, including employee incentives, travel allowances, and corporate spending control. These cards offer a secure and trackable way to manage company funds while simplifying expense reporting.

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Use Cases

Earned it? spend it: prepaid cards for early paydays

Prepaid cards are transforming payroll by offering workers faster access to earned wages. This helps address financial shortfalls between paychecks and reduces reliance on expensive predatory loans.

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Use Cases

Convenient FSAs & HSAs with prepaid cards

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) use prepaid cards to manage healthcare expenses. These cards allow tax-advantaged contributions for qualified medical costs, promoting responsible saving and healthcare budgeting.

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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.

post a credit transfer
onboard a customer
add a card


curl -X POST
--header 'Content-Type: application/json'
--header 'Accept: application/json'
--header 'Authorization: Bearer <token>'
-d '{ \
  "accountNumber": "2553179843",
  "amount": 15000,
  "creditor": {
    "routingNumber": "011000138",
    "accountNumber": "456789000",
    "name": "Corey Hendly",
    "addressStreetName": "Spooner St",
    "addressBuildingNumber": "34",
    "addressCity": "Quahog",
    "addressState": "RI",
    "addressPostalCode": "00093",
    "addressCountry": "US"
  },
  "purpose": "gift money"
}




curl -X POST
--header 'Content-Type: application/json'
--header 'Accept: application/json'
--header 'Authorization: Bearer <token>'
-d '{ \
{
  "partnerId": "ad475a30-5c89-406d-9a3e-103aa38c3ba0",
  "name": {
    "prefix": "Mr.",
    "firstName": "John",
    "middleName": "Robert",
    "lastName": "Smith",
    "suffix": "Jr.",
    "preferredName": "Jim"
  },
  "classification": "Personal",
  "profile": {
    "regO": false,
    "citizenshipCountryCode": "US",
    "politicallyExposedPerson": false,
    "enableBackupWithholding": false,
    "backupWithholdingPercent": 0,
    "taxIdType": "Ssn",
    "taxId": "123456789",
    "birthDate": "1965-09-15",
    "riskRating": "Low",
    "privacyOptOut": true
  }
}' 'https://sandbox.crbcos.com/Core/v1/cm/customers'
    


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"
  },
  "billingAddress": {
    "street1": "123 Maple Lane",
    "street2": "Apt. 1",
    "city": "New York",
    "state": "NY",
    "postalCode": "10025",
    "countryCode": "US"
  },
  "nameOnCard": "John J. Smith, Jr.",
  "shippingType": "Normal",
} 'https://sandbox.crbcos.com/cardmanagement/v1/cards'
View API references for RTPView API references for Customer ManagementExplore API Documentation
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Ready to get started?

Our card network relationships and API platform means your prepaid program integration with Cross River is simple and seamless.

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References

* https://www.alliedmarketresearch.com/press-release/prepaid-card-market.html