Accrue Savings

Accrue Savings (legally Accrue Money, Inc., now trading as Accrue at byaccrue.com) is a New York fintech that powers customer loyalty at the payment layer with a branded stored-value wallet merchants embed in their own checkout. Its platform lets brands hold customer funds in a wallet, accept payments over wallet and bank rails, run a rules-driven reward engine, return refunds as closed-loop credit, and let shoppers pre-fund or crowdfund a future purchase. The Accrue Merchant API is a public, JSON:API-shaped OpenAPI 3.1 contract covering wallets, payment intents, payments, users, KYC and identity verification, counterparties and payouts, linked accounts, rewards, gifts, sweepstakes, external transactions and webhooks, with a sandbox environment, mobile SDKs for iOS/Android/React Native/Expo, and embeddable web wallet widgets. Banking services are provided by Cross River Bank, Member FDIC.

Accrue Savings publishes 1 API on the APIs.io network: Accrue Merchant API. Tagged areas include Company, Payments, Loyalty, Wallets, and Stored Value.

The Accrue Savings catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Accrue Savings’ developer surface includes documentation, API reference, getting-started guide, support, authentication, sandbox, changelog, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub

55.5/100 strong Agent 43/100 agent native Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

1 APIs

Company Payments Loyalty Wallets Stored Value Rewards Banking FintechWebhooks

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 55.5/100 · strong

Contract Quality 12.3 / 21

Developer Ergonomics 12.0 / 17

Access Clarity 4.9 / 17

Operational Transparency 7.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.0 / 15

Agent readiness — 43/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/accrue-savings: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Rate Limits 1

Documented rate limits and quota policies.

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

Components

DataModel

Webhooks

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Packages

SDKs

DeclineCodes

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

TrustCenter

TrustCenter

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Plans

Plans

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: accrue-savings
name: Accrue Savings
description: Accrue Savings (legally Accrue Money, Inc., now trading as Accrue at byaccrue.com) is a New York fintech that
  powers customer loyalty at the payment layer with a branded stored-value wallet merchants embed in their own checkout. Its
  platform lets brands hold customer funds in a wallet, accept payments over wallet and bank rails, run a rules-driven reward
  engine, return refunds as closed-loop credit, and let shoppers pre-fund or crowdfund a future purchase. The Accrue Merchant
  API is a public, JSON:API-shaped OpenAPI 3.1 contract covering wallets, payment intents, payments, users, KYC and identity
  verification, counterparties and payouts, linked accounts, rewards, gifts, sweepstakes, external transactions and webhooks,
  with a sandbox environment, mobile SDKs for iOS/Android/React Native/Expo, and embeddable web wallet widgets. Banking services
  are provided by Cross River Bank, Member FDIC.
image: https://docs.byaccrue.com/img/accrue-logo.svg
url: https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-06'
modified: '2026-09-06'
tags:
- Company
- Payments
- Loyalty
- Wallets
- Stored Value
- Rewards
- Banking
- Fintech
- Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: accrue-savings-merchant-api
  name: Accrue Merchant API
  description: 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.
  humanURL: https://docs.byaccrue.com/api/
  image: https://docs.byaccrue.com/img/accrue-logo.svg
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Payments
  - Wallets
  - Rewards
  - Banking
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-merchant-api-openapi.yaml
  - type: Documentation
    url: https://docs.byaccrue.com/
  - type: APIReference
    url: https://docs.byaccrue.com/api/
  - type: GettingStarted
    url: https://docs.byaccrue.com/getting-started-api
  - type: Overlay
    url: overlays/accrue-savings-merchant-api-overlay.yaml
  - type: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
common:
- type: DomainSecurity
  url: security/accrue-savings-domain-security.yml
- type: Website
  url: https://www.byaccrue.com/
- type: DeveloperPortal
  url: https://docs.byaccrue.com/
- type: Documentation
  url: https://docs.byaccrue.com/
- type: APIReference
  url: https://docs.byaccrue.com/api/
- type: GettingStarted
  url: https://docs.byaccrue.com/getting-started-api
- type: Support
  url: https://www.byaccrue.com/contact
- type: GitHubOrganization
  url: https://github.com/accrue-savings
- type: TermsOfService
  url: https://files.byaccrue.com/048c1405-0e96-4033-af8f-ad353e48646f.pdf
- type: PrivacyPolicy
  url: https://files.byaccrue.com/61d09791-95f0-4030-8490-d7e7d061592c.pdf
- type: Packages
  url: packages/accrue-savings-packages.yml
- type: SDKs
  url: packages/accrue-savings-packages.yml
- type: X-MCPServerCandidate
  url: mcp/accrue-savings-mcp.yml
- type: LLMsTxt
  url: llms/accrue-savings-llms.txt
- type: Conformance
  url: conformance/accrue-savings-conformance.yml
- type: ErrorCatalog
  url: errors/accrue-savings-problem-types.yml
- type: DeclineCodes
  url: errors/accrue-savings-decline-codes.yml
- type: Lifecycle
  url: lifecycle/accrue-savings-lifecycle.yml
- type: StatusPage
  url: https://status.accruesavings.com/
- type: Authentication
  url: authentication/accrue-savings-authentication.yml
- type: TrustCenter
  url: https://trust.byaccrue.com/
- type: Sandbox
  url: sandbox/accrue-savings-sandbox.yml
- type: Conventions
  url: conventions/accrue-savings-conventions.yml
- type: Idempotency
  url: conventions/accrue-savings-conventions.yml
- type: ChangeLog
  url: https://docs.byaccrue.com/changelog
- type: Components
  url: components/accrue-savings-components.yml
- type: DataModel
  url: data-model/accrue-savings-data-model.yml
- type: Webhooks
  url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/accrue-savings-plans-pricing.yml
- type: RateLimits
  url: rate-limits/accrue-savings-rate-limits.yml
x-enrichment:
  date: '2026-09-06'
  status: enriched
  artifacts_added: 28
  pass: local-v3

Work with this as data

Every provider 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 providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
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.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/accrue-savings"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/accrue-savings/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/accrue-savings/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.

Accrue Savings

Kin Score

APIs 1

Accrue Merchant API

Pricing Plans 1

Accrue Savings Plans Pricing

Rate Limits 1

Accrue Savings Rate Limits

Event Specifications 1

Accrue Savings Merchant Api Webhooks

Security Posture 3

Accrue Savings Authentication

Accrue Savings Domain Security

Accrue Savings Trust Center

Resources