Banked

aid: banked
name: Banked
description: Banked is a global account-to-account (A2A) payments network built on open banking that enables real-time pay-by-bank
  payments for consumers, businesses, and banks. Its API-first platform provides hosted Checkout, Payment Links and QR codes,
  Payouts, Refunds, Reporting, loyalty (Incentivize), and fraud protection, using bank-native biometric authentication and
  Strong Customer Authentication (SCA) to move money securely with minimal chargebacks. A single Payments API and Partner
  API integration gives merchants and platforms access across multiple markets, and Banked ships an official hosted MCP server
  so agents can create, search, and refund payments over OAuth 2.0.
url: https://raw.githubusercontent.com/api-evangelist/banked/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  - url: https://banked.com/
    status: 301
    note: declared website redirects to https://paybyb.com/ — a different registrable domain (banked.com -> paybyb.com), possible
      rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://images.prismic.io/banked/dc1e104e-b397-4f26-ba16-0b64aee7daea_page-og-2.png?auto=compress,format&w=1200&h=627
tags:
- Company
- Payments
- Open Banking
- Account-to-Account
- Pay by Bank
- Fintech
- Payment Processing
- Payouts
apis:
- name: Banked Payments API
  description: Account-to-account payments over open banking — create payment sessions (checkout), payouts, refunds, and webhooks.
    The Partner API onboards businesses on behalf of platforms. OAuth 2.0 client-credentials auth against api.banked.com.
  humanURL: https://developer.banked.com/reference
  baseURL: https://api.banked.com
  properties:
  - type: Documentation
    url: https://developer.banked.com/
  - type: APIReference
    url: https://developer.banked.com/reference
  - type: Authentication
    url: authentication/banked-authentication.yml
  - type: MCPServer
    url: mcp/banked-mcp.yml
  - type: Webhooks
    url: asyncapi/banked-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/banked-vulnerability-disclosure.yml
- type: Security
  url: security/banked-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/banked-domain-security.yml
- type: Website
  url: https://banked.com/
- type: DeveloperPortal
  url: https://developer.banked.com/
- type: Documentation
  url: https://developer.banked.com/
- type: APIReference
  url: https://developer.banked.com/reference
- type: GettingStarted
  url: https://developer.banked.com/docs
- type: Support
  url: https://support.paybybank.com
- type: Login
  url: https://console.banked.com/
- type: Blog
  url: https://medium.com/@banked
- type: PrivacyPolicy
  url: https://banked.com/privacy
- type: GitHubOrganization
  url: https://github.com/banked
- type: Postman
  url: https://github.com/banked/postman-collections-public
- type: StatusPage
  url: https://status.banked.com/
- type: Packages
  url: packages/banked-packages.yml
- type: SDKs
  url: packages/banked-packages.yml
- type: WellKnown
  url: well-known/banked-well-known.yml
- type: SecurityTxt
  url: well-known/banked-security.txt
- type: MCPServer
  url: mcp/banked-mcp.yml
- type: LLMsTxt
  url: llms/banked-llms.txt
- type: Authentication
  url: authentication/banked-authentication.yml
- type: Conventions
  url: conventions/banked-conventions.yml
- type: Conformance
  url: conformance/banked-conformance.yml
- type: Lifecycle
  url: lifecycle/banked-lifecycle.yml
- type: Deprecation
  url: lifecycle/banked-lifecycle.yml
- type: Webhooks
  url: asyncapi/banked-webhooks.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence