Merchant Acquirers, Payfacs & ISVs

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

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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

Cross River is the trusted financial services organization that merges the established expertise of a bank, with the innovation and product offering of a technology company.

Tech-forward BIN sponsorship

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

Instant merchant payouts

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

Think beyond acquiring

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