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 18 API contracts indexed on the APIs.io network, including Banking API, Counterparties API, Counterparty Transfers API, and 15 more. Tagged areas include Company, Payments, Loyalty, Wallets, and Stored Value.

The Accrue Savings catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Accrue Savings’ developer surface includes documentation, API reference, getting-started guide, support, authentication, sandbox, changelog, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

55.3/100 strong ▬ flat Agent 39/100 agent ready Front door AI 2/6 trace Heartbeat 57/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 5 Agent Skills

Company Payments Loyalty Wallets Stored Value Rewards Banking Fintech Webhook Loyalty & Incentives

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Developer Platform & API Ecosystem Management

BC-4270

Webhook EventsWebhooks

Consumer Commerce

AE-140

Payment IntentsPayments

POST /api/v1/payments POST /api/v1/payments/{paymentId}/capture POST /api/v1/payments/{paymentId}/refund POST /api/v1/payment-intents

Customer Relationship Management

BC-420

RewardsUsers

POST /api/v1/rewards

Application Identity & Verification

AE-160

Banking

POST /api/v1/users/:userId/kyc/application POST /api/v1/users/:userId/kyc/document-verification-link

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 55.3/100 · strong

Contract Quality 10.0 / 19

Developer Ergonomics 10.6 / 15

Access Clarity 4.3 / 15

Operational Transparency 5.4 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.6 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 39/100 · agent ready

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

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs

4 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 28.9 — up to +14.2 composite points
Contract Quality scores 53.2 — up to +11.7 composite points
Contract Governance scores 31.8 — up to +8.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/accrue-savings/apis.yml: open an issue on github.com/api-evangelist/accrue-savings to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 18

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

Accrue Savings Banking API

Banking APIs provide KYC (Know Your Customer) verification functionality to enable users to comply with financial regulations when using banking features. These endpoints manage...

Accrue Savings Counterparties API

Counterparties define bank accounts where funds are settled for captured payments. Settlement details live on `externalBankAccount`. There can be multiple counterparties.

Accrue Savings Counterparty Transfers API

Counterparty Transfers represent movements of funds between two counterparties owned by the same partner. Use these endpoints to initiate, list, and retrieve counterparty-to-cou...

Accrue Savings External Transactions API

External transactions are records of transfers that happened outside the Accrue system. E.g. purchases in an online shop using a non-Accrue payment method.

Accrue Savings Gifts API

Gifts expose remaining spendable balance for a scanned lookUpId. Point-of-sale remaining lookup is GET /api/v1/gifts/{lookUpId}. Spend still uses payment intents with the same s...

Accrue Savings Identity Verification API

Identity Verification provides knowledge-based authentication for sensitive account changes. Use these endpoints to challenge a user with profile and wallet questions, then appl...

Accrue Savings Payments API

Payments are the realization of payment intents, representing the actual transfer or authorization of funds. This resource encapsulates the details of completed transactions, in...

Accrue Savings Rewards API

Partner-issued rewards let trusted integrations credit customer wallets or create pre-issued rewards for recipients identified by phone number. When a recipient has an active wa...

Accrue Savings Simulations API

Simulations are used to simulate payments authorizations and captures for Card Rails (Virtual Debit Cards).

Accrue Savings Sweepstakes API

Sweepstakes campaigns give users the chance to win prizes by participating in merchant-sponsored promotions. Each campaign is linked to a specific merchant and tracks user entri...

Accrue Savings Users API

Users represent the end users and are the parent container of Wallets. A user is automatically created when the end-user signs into the Accrue product through various different ...

Accrue Savings Wallets API

Wallets are where users save money and collect rewards for future payments to merchants. Each wallet is linked to a specific merchant and tracks the balance of deposits and rewa...

Accrue Savings Webhook Topics API

Webhook Topics

Accrue Savings Webhooks API

Webhook management APIs

Accrue Savings Widgets API

Widgets are components that are embedded into applications to enrich the user experience. Some of those require additional data loaded through API endpoints.Learn more about the...

Accrue Savings Linked Accounts API

Linked Accounts represent payment methods that users have connected to their Accrue account. These accounts can be used for funding payments or topping up the wallet.

Accrue Savings Payment Intents API

Payment Intents represent a commitment to pay a specified amount, allowing for a structured process to handle payments from initiation to completion.

Accrue Savings Webhook Events API

Webhook Event management APIs

Scroll for all 18

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

accrue-savings-counterparty-payouts

AGENT SKILL

accrue-savings-onboard-user-kyc

AGENT SKILL

accrue-savings-refund-payment

AGENT SKILL

accrue-savings-wallet-checkout

AGENT SKILL

accrue-savings-webhooks

AGENT SKILL

Accrue Savings API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Accrue Savings Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Accrue Savings Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Accrue Savings

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Accrue Savings Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Accrue Savings Merchant Api Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Accrue Savings API Rules

50 rules · 39 errors 10 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Accrue Savings Merchant Api Overlay

4 actions · security · accrue-savings-merchant-api-openapi.yaml

GENERATED

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Accrue Savings Authentication

2 schemes

SECURITY

Accrue Savings Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Accrue Savings Trust Center

trust center published

SECURITY

Resources

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

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

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.
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
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'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-17
x-docs-hosting: vercel
tags:
- Company
- Payments
- Loyalty
- Wallets
- Stored Value
- Rewards
- Banking
- Fintech
- Webhook
- Loyalty & Incentives
tags_raw:
- Company
- Payments
- Loyalty
- Wallets
- Stored Value
- Rewards
- Banking
- Fintech
- Webhooks
- Loyalty & Incentives
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: accrue-savings:accrue-savings-banking-api
  name: Accrue Savings Banking API
  description: Banking APIs provide KYC (Know Your Customer) verification functionality to enable users to comply with financial
    regulations when using banking features. These endpoints manage identity verification through document submission, status
    tracking, and automated compliance checks.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-banking-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-counterparties-api
  name: Accrue Savings Counterparties API
  description: Counterparties define bank accounts where funds are settled for captured payments. Settlement details live
    on `externalBankAccount`. There can be multiple counterparties.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Counterparties
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-counterparties-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-counterpartytransfers-api
  name: Accrue Savings Counterparty Transfers API
  description: Counterparty Transfers represent movements of funds between two counterparties owned by the same partner. Use
    these endpoints to initiate, list, and retrieve counterparty-to-counterparty transfers.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - CounterpartyTransfers
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-counterpartytransfers-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-externaltransactions-api
  name: Accrue Savings External Transactions API
  description: External transactions are records of transfers that happened outside the Accrue system. E.g. purchases in an
    online shop using a non-Accrue payment method.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - ExternalTransactions
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-externaltransactions-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-gifts-api
  name: Accrue Savings Gifts API
  description: Gifts expose remaining spendable balance for a scanned lookUpId. Point-of-sale remaining lookup is GET /api/v1/gifts/{lookUpId}.
    Spend still uses payment intents with the same scanned string as lookUpId — never send Gift.id as walletId. Amounts are
    integer cents.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Gifts
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-gifts-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-identity-verification-api
  name: Accrue Savings Identity Verification API
  description: Identity Verification provides knowledge-based authentication for sensitive account changes. Use these endpoints
    to challenge a user with profile and wallet questions, then apply verified phone or email updates with a single-use verification
    token.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Identity Verification
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-identity-verification-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-payments-api
  name: Accrue Savings Payments API
  description: Payments are the realization of payment intents, representing the actual transfer or authorization of funds.
    This resource encapsulates the details of completed transactions, including the payment status, amount, and any adjustments
    or refunds that have occurred post-initial authorization. Payments can have various statuses reflecting their current
    state, from pending to refunded, providing a comprehensive view of the transaction lifecycle.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-payments-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-rewards-api
  name: Accrue Savings Rewards API
  description: Partner-issued rewards let trusted integrations credit customer wallets or create pre-issued rewards for recipients
    identified by phone number. When a recipient has an active wallet, rewards are deposited immediately. When no active wallet
    exists, a pre-issued reward is created for the user to claim when they sign up. All issue requests require an idempotency
    key.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Rewards
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-rewards-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-simulations-api
  name: Accrue Savings Simulations API
  description: Simulations are used to simulate payments authorizations and captures for Card Rails (Virtual Debit Cards).
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Simulation
  tags_raw:
  - Simulations
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-simulations-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-sweepstakes-api
  name: Accrue Savings Sweepstakes API
  description: Sweepstakes campaigns give users the chance to win prizes by participating in merchant-sponsored promotions.
    Each campaign is linked to a specific merchant and tracks user entries. Users can earn entries through actions like purchases,
    and winners are selected based on campaign rules. Sweepstakes add an engaging layer of excitement and reward to the user
    experience.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Sweepstakes
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-sweepstakes-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-users-api
  name: Accrue Savings Users API
  description: Users represent the end users and are the parent container of Wallets. A user is automatically created when
    the end-user signs into the Accrue product through various different methods using their phone number.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-users-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-wallets-api
  name: Accrue Savings Wallets API
  description: Wallets are where users save money and collect rewards for future payments to merchants. Each wallet is linked
    to a specific merchant and tracks the balance of deposits and rewards. Users can contribute to their wallet's balance
    as part of their payment planning, while also accruing rewards.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Wallets
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-wallets-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-webhook-topics-api
  name: Accrue Savings Webhook Topics API
  description: Webhook Topics
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Webhook Topics
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-webhook-topics-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-webhooks-api
  name: Accrue Savings Webhooks API
  description: Webhook management APIs
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-webhooks-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-widgets-api
  name: Accrue Savings Widgets API
  description: <p>Widgets are components that are embedded into applications to enrich the user experience. Some of those
    require additional data loaded through API endpoints.</p><p>Learn more about the different widget types <a href='/docs/payments/web/widgets'>here</a>.</p>
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Widgets
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-widgets-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-linked-accounts-api
  name: Accrue Savings Linked Accounts API
  description: Linked Accounts represent payment methods that users have connected to their Accrue account. These accounts
    can be used for funding payments or topping up the wallet.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Linked Accounts
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-linked-accounts-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-payment-intents-api
  name: Accrue Savings Payment Intents API
  description: Payment Intents represent a commitment to pay a specified amount, allowing for a structured process to handle
    payments from initiation to completion.
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Payment Intents
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-payment-intents-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- aid: accrue-savings:accrue-savings-webhook-events-api
  name: Accrue Savings Webhook Events API
  description: Webhook Event management APIs
  humanURL: https://docs.byaccrue.com/api/
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Webhook Events
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-webhook-events-api-openapi.yml
  - 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: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
common:
- type: CapabilityMap
  url: capabilities/accrue-savings-capability-edges.yml
  name: Accrue Savings Business Capability Map
- type: Overlay
  url: overlays/accrue-savings-merchant-api-overlay.yaml
- 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

Accrue Savings API — frequently asked questions

Does Accrue Savings have an API?

Yes. APIs.io lists 18 APIs from Accrue Savings, including Accrue Savings Banking API, Accrue Savings Counterparties API and Accrue Savings Counterparty Transfers API, and 15 more.

Is there an OpenAPI specification for the Accrue Savings API?

Yes. APIs.io indexes 18 OpenAPI specifications for Accrue Savings, each linked for download from this page.

How do I authenticate with the Accrue Savings API?

Accrue Savings uses bearer-token authentication (2 schemes). The details are profiled on APIs.io as Accrue Savings Authentication.

Is the Accrue Savings API ready for AI agents?

Accrue Savings has a Kin Score of 55.3 out of 100 (strong) and an Agent Readiness score of 39.2 (agent-ready), scored by API Evangelist on 2026-11-06.

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