One platform. Multiple card solutions.
From virtual cards to enterprise compliance and fraud prevention, Cross River simplifies card processing through a single platform, so you can launch faster and simpler card programs.
Out-of-the-box infrastructure for seamless card launches
Security & compliance
PCI DSS 4.0 Level 1 certified, with real-time fraud monitoring and built-in 3D Secure (3DS) for safer online transactions. Add customizable fraud rules and dynamic spend controls for enhanced protection.
API & integration
RESTful APIs for instant virtual card creation, freeze/unfreeze controls, and full lifecycle management. Real-time webhooks stream authorization and settlement data directly to your system. Built for developers who value clean code and fast implementation.
Regulatory management
Direct regulatory oversight—no third-party dependencies. AML reporting and risk controls are built in, helping you stay compliant while reducing operational overhead.
Data & analytics
Real-time transaction monitoring with global mapping and currency conversion. Customizable spend analytics reveal user behavior while failure analysis helps resolve issues quickly. Raw data becomes actionable intelligence that grows your business.
"Cross River's card processing engine enables Aion to deliver rich, dynamic card programs for businesses on our platform, giving them greater control over corporate spending while simplifying management and tracking. This enhancement will significantly streamline their day-to-day workflows."
More than a processor. The infrastructure behind your card program.
We are the bank
We are a regulated bank with our own BIN sponsorship. This means faster decisions, direct regulatory oversight, and institutional trust your customers expect.
Full-stack integration
Our unified platform means you work with one team that understands both your business needs and regulatory requirements. From fraud protection to customer support, everything is managed internally for seamless coordination and faster implementation.
Built to scale
Whether you're launching your first card program or scaling to millions of transactions, our platform grows with you. Access real-time data, instant controls, and seamless integrations that adapt to your business, not the other way around.
Behind the Build: Processing
Expand Beyond Processing
Fintechs
Built for scale
Issue virtual and physical cards for neobanks, expense management platforms, and embedded finance apps.
Platforms & marketplaces
Payments that feel native
Enabling seamless buyer-seller transactions for marketplaces, gig platforms, and vertical SaaS tools.
Enterprise
Operational oversight
Managing corporate spend, fleet operations, and procurement with real-time visibility and customizable controls for finance teams at scale.
Gaming & entertainment
Instant gratification
Instant card issuance and low-latency processing for high-volume gaming and entertainment platforms.
Tax
Built for sensitive transactions
Powering tax refunds, government benefits, and payroll cards with compliant, secure card processing for sensitive financial transactions.
Frequently Asked Questions
What kind of support do you provide during integration?
How do your APIs work with existing systems?
What card types can you issue?
What is included in your compliance management?
Can we customize fraud rules and spending controls?
What reporting and analytics are available?
