Merchant Acquirers, Payfacs & ISVs

Leverage Cross River’s cutting-edge payments infrastructure to enable seamless merchant acquiring and payments experiences.

Get In Touch

Explore API Documentation

Join partners already connected to Cross River's APIs

Benefits of partnering with Cross River

Faster merchant payouts

Enhance merchant experiences with faster payouts via push-to-card and same-day ACH – offer instant payments with RTP® and FedNow®.

Subledgers for efficiency & scale

Move and track customer funds with discrete subledgers – instead of individual deposit accounts.

Data transparency

Live access to transaction data, enabling clearing and settlement transparency across the flow of funds.

Products used by merchant acquirers and payfacs

Tech-forward BIN sponsorship

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

Explore API Documentation

Instant merchant payouts

Give merchants instant access to funds. Integrate instant RTP® and FedNow® payouts via Cross River’s interoperable endpoint architecture.

Learn More

Think beyond acquiring

Deepen your merchant relationships with issuing capabilities – offer co-branded cards, expense management solutions, and full-stack program management.

Explore API Documentation

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.

Get In Touch

Explore API Documentation