FIS Global Credit API
The Credit API from FIS Global — 2 operation(s) for credit.
Work with this as data
Every API here is available over the APIs.io API and to AI agents over MCP.
MCP server
One button, every client — Claude, Cursor, VS Code and the rest.
https://apis.io/mcp
Tools for apis
7 MCP tools reach this
find_apisBrowse and filter every API in the catalog.get_api_artifactsOne API's artifacts, grouped by type.get_openapiThe primary OpenAPI for this API.find_similar_apisAPIs that look like this one.apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.resolveTurn a domain, URL or GitHub org into the provider it belongs to.find_cohortsEvery scored population of providers in the catalog.
Call it yourself
curl for this page
This API
curl "https://apis.io/api/v1/apis/fis-credit-api"
All apis
curl "https://apis.io/api/v1/apis?limit=25"Discovery needs no key. Ratings and market analysis are Pro.
Get an API key
Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.
A second provider on the same verified email joins the account you already have.
OpenAPI Specification
openapi: 3.2.0
info:
title: FIS® Accounting Data as a Service™ Credit API
description: What's changed in our API
version: v2
contact: {}
servers:
- url: https://api.railz.ai
description: Main (production) API server
tags:
- name: Credit
paths:
/creditScores:
get:
description: Gets a point in time credit score based on a 1-year probability of default and 3 scores based on financial forecast and probability of default projections for a business.
operationId: creditScores
parameters:
- name: businessName
required: true
in: query
description: Unique business name identifier.
schema:
example: Railz
type: string
- name: serviceName
required: true
in: query
schema:
type: string
enum:
- freshbooks
- quickbooks
- quickbooksDesktop
- xero
- oracleNetsuite
- sageBusinessCloud
- sageIntacct
- dynamicsBusinessCentral
- zohoBooks
- byod
- name: endDate
required: false
in: query
description: 'The end date of the Transaction report frequency in the format: YYYY-MM-DD.'
schema:
type: string
responses:
'200':
description: ''
content:
application/json:
schema:
$ref: '#/components/schemas/CreditScoresResponseDto'
'202':
description: Data in pending state
content:
application/json:
schema:
$ref: '#/components/schemas/CreditScoresResponseDto'
'204':
description: No data available
'400':
description: Bad Request Error - Thrown if fields sent via query does not follow specifications
content:
application/json:
schema:
$ref: '#/components/schemas/Error400ResponseDto'
'401':
description: Unauthorized - Not logged in or log in expired
content:
application/json:
schema:
$ref: '#/components/schemas/Error401ResponseDto'
'403':
description: Forbidden - Not enough permission
content:
application/json:
schema:
$ref: '#/components/schemas/Error403ResponseDto'
'500':
description: Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/Error500ResponseDto'
security:
- bearer: []
summary: Credit scores
tags:
- Credit
x-summary-source: derived
/creditRatings:
get:
description: Gets the big 4 US credit agencies and the Railz credit rating for a business.
operationId: creditRatings
parameters:
- name: businessName
required: true
in: query
description: Unique business name identifier.
schema:
example: Railz
type: string
- name: serviceName
required: true
in: query
schema:
type: string
enum:
- freshbooks
- quickbooks
- quickbooksDesktop
- xero
- oracleNetsuite
- sageBusinessCloud
- sageIntacct
- dynamicsBusinessCentral
- zohoBooks
- byod
- name: endDate
required: false
in: query
description: 'The end date of the Transaction report frequency in the format: YYYY-MM-DD.'
schema:
type: string
responses:
'200':
description: ''
content:
application/json:
schema:
$ref: '#/components/schemas/CreditRatingsResponseDto'
'202':
description: Data in pending state
content:
application/json:
schema:
$ref: '#/components/schemas/CreditRatingsResponseDto'
'204':
description: No data available
'400':
description: Bad Request Error - Thrown if fields sent via query does not follow specifications
content:
application/json:
schema:
$ref: '#/components/schemas/Error400ResponseDto'
'401':
description: Unauthorized - Not logged in or log in expired
content:
application/json:
schema:
$ref: '#/components/schemas/Error401ResponseDto'
'403':
description: Forbidden - Not enough permission
content:
application/json:
schema:
$ref: '#/components/schemas/Error403ResponseDto'
'500':
description: Server Error
content:
application/json:
schema:
$ref: '#/components/schemas/Error500ResponseDto'
security:
- bearer: []
summary: Credit ratings
tags:
- Credit
x-summary-source: derived
components:
schemas:
Error400Dto:
type: object
properties:
statusCode:
type: number
readOnly: true
example: 400
message:
readOnly: true
example:
- businessName cannot be null
type: array
items:
type: string
error:
type: string
readOnly: true
example: Bad Request
required:
- statusCode
- message
- error
CreditRatingsReport:
type: object
properties:
meta:
$ref: '#/components/schemas/CreditRatingsReportMetaData'
data:
$ref: '#/components/schemas/CreditRatingsData'
required:
- meta
- data
Error401Dto:
type: object
properties:
statusCode:
type: number
readOnly: true
example: 401
message:
readOnly: true
example:
- Unauthorized
type: array
items:
type: string
error:
type: string
readOnly: true
example: Unauthorized
required:
- statusCode
- message
- error
CreditScoresData:
type: object
properties:
scorePit:
type: number
minimum: 300
maximum: 850
example: 800
format: integer
readOnly: false
score12m:
type: number
minimum: 300
maximum: 850
example: 800
format: integer
readOnly: false
score24m:
type: number
minimum: 300
maximum: 850
example: 800
format: integer
readOnly: false
score36m:
type: number
minimum: 300
maximum: 850
example: 800
format: integer
readOnly: false
required:
- scorePit
- score12m
- score24m
- score36m
Error400ResponseDto:
type: object
properties:
error:
readOnly: true
allOf:
- $ref: '#/components/schemas/Error400Dto'
payload:
type: object
readOnly: true
required:
- error
- payload
Error403ResponseDto:
type: object
properties:
error:
readOnly: true
allOf:
- $ref: '#/components/schemas/Error403Dto'
payload:
type: object
readOnly: true
example: {}
required:
- error
- payload
CreditScoresReport:
type: object
properties:
meta:
$ref: '#/components/schemas/CreditScoresReportMetaData'
data:
$ref: '#/components/schemas/CreditScoresData'
required:
- meta
- data
CreditRatingsResponseDto:
type: object
properties:
count:
type: number
readOnly: true
format: integer
example: 1
reports:
readOnly: false
type: array
items:
$ref: '#/components/schemas/CreditRatingsReport'
required:
- count
- reports
CreditScoresReportMetaData:
type: object
properties:
reportId:
type: string
readOnly: true
example: 5fad8a342a88364234392fb5
serviceName:
type: string
readOnly: true
example: xero
enum:
- quickbooks
- xero
- freshbooks
- quickbooksDesktop
- sageIntacct
- sageBusinessCloud
- oracleNetsuite
- dynamicsBusinessCentral
- dynamics365Finance
- wave
- zohoBooks
- myob
businessName:
type: string
readOnly: true
example: Railz
startDate:
type: string
readOnly: true
example: '2020-11-25T01:02:03Z'
format: date-time
endDate:
type: string
readOnly: true
example: '2020-11-25T01:02:03Z'
format: date-time
createdAt:
type: string
readOnly: true
example: '2020-12-25T01:02:03Z'
format: date-time
updatedAt:
type: string
readOnly: false
example: '2020-12-25T01:02:03Z'
format: date-time
required:
- reportId
- serviceName
- businessName
- startDate
- endDate
- createdAt
- updatedAt
Error401ResponseDto:
type: object
properties:
error:
readOnly: true
allOf:
- $ref: '#/components/schemas/Error401Dto'
payload:
type: object
readOnly: true
example: {}
required:
- error
- payload
CreditRatingsReportMetaData:
type: object
properties:
reportId:
type: string
readOnly: true
example: 5fad8a342a88364234392fb5
serviceName:
type: string
readOnly: true
example: xero
enum:
- quickbooks
- xero
- freshbooks
- quickbooksDesktop
- sageIntacct
- sageBusinessCloud
- oracleNetsuite
- dynamicsBusinessCentral
- dynamics365Finance
- wave
- zohoBooks
- myob
businessName:
type: string
readOnly: true
example: Railz
startDate:
type: string
readOnly: true
example: '2020-11-25T01:02:03Z'
format: date-time
endDate:
type: string
readOnly: true
example: '2020-11-25T01:02:03Z'
format: date-time
createdAt:
type: string
readOnly: true
example: '2020-12-25T01:02:03Z'
format: date-time
updatedAt:
type: string
readOnly: false
example: '2020-11-30T01:02:03Z'
format: date-time
required:
- reportId
- serviceName
- businessName
- startDate
- endDate
- createdAt
- updatedAt
CreditScoresResponseDto:
type: object
properties:
count:
type: number
readOnly: true
format: integer
example: 1
reports:
readOnly: false
type: array
items:
$ref: '#/components/schemas/CreditScoresReport'
required:
- count
- reports
Error500ResponseDto:
type: object
properties:
error:
readOnly: true
allOf:
- $ref: '#/components/schemas/Error500Dto'
payload:
type: object
readOnly: true
required:
- error
- payload
Error500Dto:
type: object
properties:
error:
type: string
readOnly: true
example: Internal Server Error
message:
readOnly: true
example:
- INTERNAL_ERROR
type: array
items:
type: string
statusCode:
type: number
readOnly: true
example: 500
required:
- error
- message
- statusCode
CreditRatingsData:
type: object
properties:
spRating:
type: string
enum:
- AAA
- AA+
- AA
- AA-
- A+
- A
- A-
- BBB+
- BBB
- BBB-
- BB+
- BB
- BB-
- B+
- B
- B-
- CCC+
- CCC
- CCC-
- CC
- C
- D
example: AA+
moodysRating:
type: string
enum:
- Aaa
- Aa1
- Aa2
- Aa3
- A1
- A2
- A3
- Baa1
- Baa2
- Baa3
- Ba1
- Ba2
- Ba3
- B1
- B2
- B3
- Caa1
- Caa2
- Ca
- C
example: Aaa
fitchRating:
type: string
enum:
- AAA
- AA+
- AA
- AA-
- A+
- A
- A-
- BBB+
- BBB
- BBB-
- BB+
- BB
- BB-
- B+
- B
- B-
- CCC
- DDD
- DD
- D
example: AA+
dbrsRating:
type: string
enum:
- AAA
- AA (high)
- AA
- AA (low)
- A (high)
- A
- A (low)
- BBB (high)
- BBB
- BBB (low)
- BB (high)
- BB
- BB (low)
- CCC (high)
- CCC
- CCC (low)
- CC
- C
- D
example: AAA
railzRating:
type: string
enum:
- A+
- A
- A-
- B+
- B
- B-
- C+
- C
- C-
- D
example: A
railzGrade:
type: string
enum:
- Very Poor
- Poor
- Fair
- Good
- Very Good
- Excellent
example: Excellent
description:
type: string
example: Highest quality borrower, minimal credit risk.
required:
- spRating
- moodysRating
- fitchRating
- dbrsRating
- railzRating
- railzGrade
- description
Error403Dto:
type: object
properties:
statusCode:
type: number
readOnly: true
example: 403
message:
readOnly: true
example:
- Forbidden resource
type: array
items:
type: string
error:
type: string
readOnly: true
example: Forbidden
required:
- statusCode
- message
- error
securitySchemes:
bearer:
scheme: bearer
bearerFormat: JWT
type: http