Cardless

aid: cardless
name: Cardless
description: Cardless, Inc. is a San Francisco fintech that operates an embedded co-branded credit card platform, letting
  consumer brands launch and run their own credit card programs natively inside their own apps and websites. The platform
  pairs a partner API surface with pre-built components covering the full credit journey — application and identity verification,
  real-time decisioning, checkout with instant virtual cards, card management and transaction disputes — while Cardless handles
  issuing-bank relationships, card production, underwriting, fraud, KYC/AML compliance, servicing and support behind the scenes.
  It is network-agnostic across Visa, Mastercard and American Express. Named partners include Coinbase (Coinbase One Card),
  Bilt, Qatar Airways Privilege Club, Alibaba.com, LATAM Airlines, Avianca LifeMiles, TAP Air Portugal and Avelo Airlines.
  Developer documentation at docs.cardless.com is gated behind a partner login, so no public OpenAPI, SDKs or sandbox credentials
  are published.
url: https://raw.githubusercontent.com/api-evangelist/cardless/refs/heads/main/apis.yml
image: https://framerusercontent.com/images/hm4RTByVdin3oyQTHY2rMm9doQ.jpg
x-type: company
x-source: harvest:secondary-market
x-secondary-market-listing: https://forgeglobal.com/cardless_stock/
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.20'
created: '2026-08-01'
modified: '2026-08-01'
x-enrichment:
  date: '2026-08-01'
  status: enriched
  artifacts_added: 13
  pass: local-v1
tags:
- Company
- Financial Services
- Fintech
- Credit Cards
- Card Issuing
- Embedded Finance
- Payments
- Banking as a Service
- Lending
- Co-Branded Cards
- Loyalty
apis:
- aid: cardless:partner-api
  name: Cardless Partner API
  description: 'The Cardless partner API surface used by brands to embed a co-branded credit card program: partner authentication
    (Basic-auth exchange of a partner-signed JWT for a bearer access token), application submission and decisioning, account
    servicing, payments, transactions and disputes. Documentation and the OpenAPI fragments that back it are gated behind
    a partner login at docs.cardless.com; the production API host answers unauthenticated requests with HTTP 401.'
  humanURL: https://docs.cardless.com/
  baseURL: https://api.cardless.com/
  tags:
  - Credit Cards
  - Card Issuing
  - Embedded Finance
  - Payments
  properties:
  - type: Documentation
    url: https://docs.cardless.com/
  - type: Authentication
    url: authentication/cardless-authentication.yml
  - type: Conventions
    url: conventions/cardless-conventions.yml
- aid: cardless:docs-mcp
  name: Cardless Docs MCP Server
  description: A remote Model Context Protocol server published by Cardless at docs.cardless.com/mcp (Mintlify-hosted). It
    answers tools/list anonymously and exposes three read-oriented tools over the Cardless documentation corpus — documentation
    search, a read-only virtualized documentation filesystem, and docs feedback submission. It also advertises OAuth 2.0 authorization-server
    and protected-resource metadata with a single mcp:search scope. This is a documentation-search MCP server, not an MCP
    projection of the Cardless partner API.
  humanURL: https://docs.cardless.com/
  baseURL: https://docs.cardless.com/mcp
  tags:
  - MCP
  - Documentation
  - Agents
  properties:
  - type: MCPServer
    url: mcp/cardless-mcp.yml
  - type: OAuthScopes
    url: scopes/cardless-scopes.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.cardless.com/
- type: DeveloperPortal
  url: https://docs.cardless.com/
- type: Documentation
  url: https://docs.cardless.com/
- type: Blog
  url: https://www.cardless.com/blog
- type: Support
  url: https://www.cardless.com/help
- type: SignUp
  url: https://app.cardless.com/login
- type: TermsOfService
  url: https://legal.cardless.com/terms_of_service/default/terms_of_service.pdf
- type: PrivacyPolicy
  url: https://legal.cardless.com/privacy_policy/default/privacy_policy.pdf
- type: Customers
  url: https://www.cardless.com/customers
- type: Careers
  url: https://www.cardless.com/careers
- type: MCPServer
  url: mcp/cardless-mcp.yml
- type: WellKnown
  url: well-known/cardless-well-known.yml
- type: OAuthScopes
  url: scopes/cardless-scopes.yml
- type: Authentication
  url: authentication/cardless-authentication.yml
- type: Conventions
  url: conventions/cardless-conventions.yml
- type: Conformance
  url: conformance/cardless-conformance.yml
- type: Lifecycle
  url: lifecycle/cardless-lifecycle.yml
- type: Components
  url: components/cardless-components.yml
- type: DomainSecurity
  url: security/cardless-domain-security.yml
- type: LLMsTxt
  url: llms/cardless-llms.txt