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Cross River Alternatives

Compare 10 alternatives to Cross River for banking-as-a-service and payments solutions

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Cross River is a leading embedded finance platform offering banking-as-a-service, payments, card issuing, accounts, lending, crypto services, payment acquiring solutions. FDIC-insured technology bank providing API-driven infrastructure for fintechs and enterprises. Cross River’s proprietary core (COS) supports accounts,...

Below we've compiled the top 10 alternatives to Cross River, ranked by feature similarity and market focus. Whether you're looking for different pricing, geographic coverage, or specific API capabilities, this comparison will help you find the right embedded finance partner for your platform.

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Alternatives Found
7
Categories Compared
5
Target Markets
6
API Products

Top Cross River Alternatives

1
Ratoon
Ratoon
United States
Est. 2022

FinTech banking division of Focus Bank (Member FDIC) offering BIN sponsorship, debit and credit card programs, Visa and Mastercard rails, ACH, and loa...

Banking-as-a-ServicePaymentsCard IssuingAccountsLending
2
Unit
Unit
United States
Est. 2019

All-in-one embedded finance platform providing banking, lending, and payments infrastructure. Unit partners with banks to offer white-label checking a...

Banking-as-a-ServiceCard IssuingAccountsLending
3
Column
Column
United States
Est. 2021

Nationally chartered bank built for developers. Column provides direct bank access via API for ACH, wire, card issuing, and lending without BaaS middl...

Banking-as-a-ServicePaymentsCard IssuingLendingledger-as-a-service
4
Increase
Increase
United States
Est. 2020

Developer-first banking infrastructure providing direct access to payment rails. Increase offers ACH, wire, check, and card issuing APIs with transpar...

Banking-as-a-ServicePaymentsCard IssuingAccounts
5
Stripe Treasury
Stripe Treasury
United States
Est. 2010

Banking-as-a-Service API from Stripe enabling platforms to embed financial services. Treasury provides FDIC-insured accounts, card issuing, and money ...

Banking-as-a-ServicePaymentsCard IssuingAccountsledger-as-a-service
6
Treasury Prime
Treasury Prime
United States
Est. 2017

Banking-as-a-Service platform connecting fintechs with a network of partner banks. Provides unified APIs for deposits, payments, card issuing, and len...

Banking-as-a-ServicePaymentsCard IssuingAccounts
7
Galileo Financial Technologies
Galileo Financial Technologies
United States
Est. 2000

API-based payments platform acquired by SoFi in 2020. Powers leading fintechs and financial institutions with card issuing, account management, and pa...

Banking-as-a-ServicePaymentsCard IssuingAccounts
8
Solarisbank (Solaris)
Solarisbank (Solaris)
Germany
Est. 2016

European Banking-as-a-Service platform with full banking license. Solaris enables brands to embed compliant financial products across the EU including...

Banking-as-a-ServiceCard IssuingAccountsLendingCrypto Services
9
Green Dot
Green Dot
United States
Est. 1999

Banking-as-a-Service and embedded finance APIs for partners to offer branded accounts, cards, ACH, instant transfers, and related money-movement servi...

Banking-as-a-ServicePaymentsCard IssuingAccountsKYC/KYBCompliance
10
Helix by Q2
Helix by Q2
United States
Est. 2004

Q2's embedded banking platform for brands and fintechs. Helix provides API-first accounts, virtual and physical cards, payments, fraud and card contro...

Banking-as-a-ServicePaymentsCard IssuingAccountsCompliance

Feature Comparison

FeatureCross River
Current
RatoonUnitColumnIncreaseStripe Treasury
Headquarters
United States
United States
United States
United States
United States
United States
Founded200820222019202120202010
Clients200+100+100+1000+
API Products644445
DeploymentCloud, SaaSCloud, SaaSCloud, SaaSCloud, SaaSCloud, SaaSCloud, SaaS
Developer Docs
Public CompanyPrivatePrivatePrivatePrivatePrivatePrivate

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