Cross River Bank

Leading the Future of Finance

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. We are experienced leaders working to protect our clients’ business goals, providing streamlined, end-to-end solutions, so they can grow in the ever-evolving market.

We offer creative solutions and support to our third-party partners in all aspects of lending, including credit and underwriting, origination, payments, compliance, balance sheet capacity and capital market capabilities. In turn, our partners facilitate lending across industries, including debt consolidation, point of sale, home improvement, medical and small businesses.


Visa Ready

BNPL FinTech Solutions

Cross River offers a range of solutions to enable and grow BNPL capabilities for our partners. Our robust set of APIs enable you to offer a wide variety of payment solutions to meet your and your customers' goals.

  • Scale Merchant Acceptance: Enable consumers to make purchases using their BNPL provider at their favorite merchants using a virtual card. The consumer can add the virtual card to their preferred Pay app and tap just like a regular card to complete the purchase.
  • Simplify Merchant Settlement: Settle purchases made on BNPL provider using existing Visa rails by leveraging transactions on one-time use virtual cards.
  • Support bespoke lending solutions: We specialize in solving financing needs for early stage fintech lenders. We can assist in providing asset-backed credit facilities (including risk retention financing solutions) and forward flow purchase arrangements that are tailored to empower the growth of early-stage fintechs.


Visa Ready


Buy Now Pay Later (BNPL)