# Accrue Savings

**Canonical:** https://apis.io/providers/accrue-savings/  
**Website:** https://www.byaccrue.com/  
**APIs profiled:** 1

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.

## Kin Score — 55.5 / 100 (strong)

Scored 2026-09-06 under rubric 0.19.0.

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 57.8 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 63.2 |
| Developer Ergonomics | 70.8 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 53.1 (matched via tags).

## Agent readiness — 42.6 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (1)

- **Accrue Merchant API** — 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 intent...

## Security (3)

- **Accrue Savings Authentication** — 2 schemes
- **Accrue Savings Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Accrue Savings Trust Center** — trust center published

## Plans (1)

- **Accrue Savings Plans Pricing**

## Tags

Company, Payments, Loyalty, Wallets, Stored Value, Rewards, Banking, Fintech, Webhooks

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/accrue-savings/). Scores are computed from the provider's own public artifacts under a published rubric.