Cross River Plans Pricing
Cross River does not publish public, self-service pricing or tiers for the Cross River Operating System (COS). As a regulated bank offering embedded finance / Banking-as-a-Service, Cross River prices each program through a negotiated partner/enterprise agreement handled by sales and a relationship manager. Commercials are typically driven by the products used (accounts, ACH, wires, RTP/FedNow, card issuing and processing, lending) and their transaction economics - per-transaction fees, card interchange sharing, deposit arrangements, and program/platform fees. Exact rates are not public and are not reconciled here.
Cross River Plans Pricing is the machine-readable pricing-plan profile for Cross River on the APIs.io network, conforming to the API Commons Plans specification.
It defines 2 plans, covering free and enterprise tiers, with named plans including Sandbox (Onboarded Partners), Enterprise / Partner Program.
Tagged areas include Embedded Finance, Banking as a Service, BaaS, Payments, and Lending.
Plans
Isolated sandbox environment (https://sandbox.crbcos.com) for building and testing COS integrations. Access requires partner-provisioned OAuth2 credentials issued by a Cross River relationship manager. No public self-service signup.
- Full COS Module Sandbox
- OAuth2 Credentials
- Documentation and Postman Collection
Production COS access under a negotiated partner/enterprise agreement. Pricing is program-specific and driven by the products enabled and their transaction economics (per-transaction fees, card interchange, deposit and program fees). Contact Cross River sales.
- Production COS Access
- Custom Transaction Pricing
- Interchange Economics
- Compliance and Program Support
- SLAs and Relationship Manager
Sources
- https://www.crossriver.com/
- https://www.crossriver.com/developers/cos
- https://docs.crossriver.com/
- https://www.crossriver.com/contact
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Every plan here is available over the APIs.io API and to AI agents over MCP.
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