# Accrue Merchant API

**Canonical:** https://apis.io/apis/accrue-savings/accrue-savings-merchant-api/  
**Provider:** Accrue Savings — https://apis.io/providers/accrue-savings/  
**Base URL:** https://merchant-api.accruesavings.com  
**Documentation:** https://docs.byaccrue.com/api/

Accrue Merchant API is published by [Accrue Savings](https://apis.io/providers/accrue-savings/) on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Payments, Wallets, Rewards, Banking, and Webhooks. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, an API reference, and a getting-started guide.

The Accrue Merchant API is a JSON:API-based REST API for embedding Accrue's stored-value wallet into a merchant experience — creating and funding wallets, running payment intents and payments (authorize, capture, cancel, complete, refund, increase authorization), onboarding users through KYC and identity verification, managing counterparties and payouts, issuing rewards and gifts, and subscribing to twenty webhook topics. Published as OpenAPI 3.1 with 82 operations across production and sandbox environments.

## Machine-readable artifacts (8)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/openapi/accrue-savings-merchant-api-openapi.yaml
- **Documentation** — https://docs.byaccrue.com/
- **APIReference** — https://docs.byaccrue.com/api/
- **GettingStarted** — https://docs.byaccrue.com/getting-started-api
- **Overlay** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/overlays/accrue-savings-merchant-api-overlay.yaml
- **Sandbox** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/sandbox/accrue-savings-sandbox.yml
- **Webhooks** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/asyncapi/accrue-savings-merchant-api-webhooks.yml
- **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/apis.yml

## Tags

Payments, Wallets, Rewards, Banking, Webhooks

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/accrue-savings/accrue-savings-merchant-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/accrue-savings/.