Clara

Clara is a Latin American spend management fintech offering corporate cards, vendor payments, travel pay, and AI‑driven expense automation. Backed by Coatue, it serves Brazil, Colombia, Mexico and other markets, helping finance teams reduce manual work, increase tax savings, and gain real‑time spend insights.

Clara is listed with 1 API on the APIs.io network. Tagged areas include Fintech, Spend Management, Corporate Cards, Latin America, and AI.

The Clara catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Clara’s developer surface includes documentation, sandbox, authentication, API reference, support, engineering blog, pricing, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

46.9/100 developing Agent 25/100 agent aware Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API 1 MCP Servers

Fintech Spend Management Corporate Cards Latin AmericaAI

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 46.9/100 · developing

Contract Quality 5.6 / 21

Developer Ergonomics 8.9 / 17

Access Clarity 11.6 / 17

Operational Transparency 2.9 / 11

Contract Governance 3.6 / 10

Discoverability 5.7 / 9

Regulatory Posture 4.8 / 15

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 8 / 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 5 / 5

Distinct Operations 3 / 3

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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<a href="https://apis.io/providers/clara-cc/"><img src="https://apis.io/badge/clara-cc/card.svg" alt="Clara on APIs.io — Kin Score by API Evangelist"></a>

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

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
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)

9 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 26.3 — up to +18.4 composite points
Operational Transparency scores 26.3 — up to +9.6 composite points
Developer Ergonomics scores 52.4 — up to +9.5 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/clara-cc/apis.yml: open an issue on github.com/api-evangelist/clara-cc 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 →

APIs 1

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

Clara API

Clara API as documented publicly: 28 operations. Contract generated from the documentation by API Evangelist (2026-10-22); not the provider's own document.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Clara MCP Server

Remote MCP server at developers.clara.team.

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Clara Cc Plans Pricing

2 plans

PLANS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Clara Cc Context

35 classes · 64 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Clara API Rules

14 rules · 10 errors 1 warnings 3 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

GetApiV3AccountsPayableResponse

5 properties

JSON SCHEMA

PostApiTestV3WebhooksEventsRequest

4 properties

JSON SCHEMA

PostApiTestV3WebhooksEventsResponse

5 properties

JSON SCHEMA

PostApiV1VcnCardRequest

6 properties

JSON SCHEMA

PostApiV2CardsUuidConfigurationsRequest

4 properties

JSON SCHEMA

PostApiV3CardsRequest

6 properties

JSON SCHEMA

Security Posture 3

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

Clara Cc Authentication

2 schemes

SECURITY

Clara Cc Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Clara Cc Trust Center

ISO 27001, PCI DSS

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Sandbox

Sandbox

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

WellKnown

WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Conformance

Access & Security 5

Authentication, authorization, and security posture

Compliance

Authentication

Security

TrustCenter

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Plans

Pricing

Company 3

The organization behind the API

Newsroom

Newsroom

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

AgentCard

AgentCard

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: clara-cc
name: Clara
image: https://cdn.prod.website-files.com/68ffa900bd486e7d9f3183da/6a29c454934463f06d822c93_Share_Clara%20Global%201200.png
description: Clara is a Latin American spend management fintech offering corporate cards, vendor payments, travel pay, and
  AI‑driven expense automation. Backed by Coatue, it serves Brazil, Colombia, Mexico and other markets, helping finance teams
  reduce manual work, increase tax savings, and gain real‑time spend insights.
url: https://raw.githubusercontent.com/api-evangelist/clara-cc/refs/heads/main/apis.yml
x-type: company
x-source: harvest:vc-portfolio
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-22 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-22'
modified: '2026-10-22'
tags:
- Fintech
- Spend Management
- Corporate Cards
- Latin America
- AI
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TermsOfService
  url: https://www.clara.com/global/terms
- type: PrivacyPolicy
  url: https://www.clara.com/global/privacy
- type: Documentation
  url: https://www.clara.com/global/guides
- type: Plans
  url: plans/clara-cc-plans-pricing.yml
- type: Spectral
  url: rules/clara-cc-rules.yml
- type: JSONLD
  url: json-ld/clara-cc-context.jsonld
- type: Vocabulary
  url: vocabulary/clara-cc-vocabulary.yml
- type: DataModel
  url: data-model/clara-cc-data-model.yml
- type: Sandbox
  url: sandbox/clara-cc-sandbox.yml
- type: Compliance
  url: https://trust.clara.com/
- type: Authentication
  url: authentication/clara-cc-authentication.yml
- type: Conformance
  url: conformance/clara-cc-conformance.yml
- type: LLMsTxt
  url: llms/clara-cc-llms.txt
- type: AgentCard
  url: a2a/clara-cc-a2a.yml
- type: MCPServer
  url: mcp/clara-cc-mcp.yml
- type: WellKnown
  url: well-known/clara-cc-well-known.yml
- type: Hosts
  url: hosts/clara-cc-hosts.yml
- type: Vendors
  url: vendors/clara-cc-vendors.yml
- type: StatusPage
  url: https://status.clara.com/
- type: Security
  url: https://www.clara.com/platform/security
- type: Newsroom
  url: https://www.clara.com/resources/newsroom
- type: TrustCenter
  url: security/clara-cc-trust-center.yml
- type: DomainSecurity
  url: security/clara-cc-domain-security.yml
- type: Website
  url: https://www.clara.com
- type: DeveloperPortal
  url: https://developers.clara.team
- type: APIReference
  url: https://developers.clara.team/introduction
- type: Support
  url: https://ayuda.clara.com.mx/hc/
- type: Blog
  url: https://www.clara.com/blog
- type: Pricing
  url: https://www.clara.com/pricing
apis:
- aid: clara-cc:clara-cc-api
  name: Clara API
  description: 'Clara API as documented publicly: 28 operations. Contract generated from the documentation by API Evangelist
    (2026-10-22); not the provider''s own document.'
  humanURL: https://developers.clara.team/v1/webhooks
  baseURL: https://public-api.mx.clara.com
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/clara-cc-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/clara-cc-post-api-v1-vcn-card-request-schema.json
  - type: JSONSchema
    url: json-schema/clara-cc-post-api-v3-cards-request-schema.json
  - type: JSONSchema
    url: json-schema/clara-cc-post-api-test-v3-webhooks-events-response-schema.json
  - type: JSONSchema
    url: json-schema/clara-cc-post-api-v2-cards-uuid-configurations-request-schema.json
  - type: JSONSchema
    url: json-schema/clara-cc-post-api-test-v3-webhooks-events-request-schema.json
  - type: JSONSchema
    url: json-schema/clara-cc-get-api-v3-accounts-payable-response-schema.json
x-backed-by:
- coatue
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-10-22'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://developers.clara.team/openapi.json
    status: null
  - url: https://developers.clara.team/mcp
    status: null
  - url: https://api.clara.team/mcp
    status: 401
  - url: https://www.clara.com
    status: 200
x-enrichment:
  date: '2026-10-22'
  status: enriched
  artifacts_added: 29
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Clara API — frequently asked questions

Does Clara have an API?

Yes. APIs.io lists 1 API from Clara, including Clara API.

Is there an OpenAPI specification for the Clara API?

Yes. APIs.io indexes 1 OpenAPI specification for Clara, each linked for download from this page.

How do I authenticate with the Clara API?

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

How much does the Clara API cost?

APIs.io lists 2 pricing plans for Clara, with each plan's price, limits and inclusions under Pricing Plans on this page.

Does Clara have an MCP server?

Yes. APIs.io lists 1 MCP server for Clara: Remote MCP server at developers.clara.team.

Is the Clara API ready for AI agents?

Clara has a Kin Score of 46.9 out of 100 (developing) and an Agent Readiness score of 24.7 (agent-aware), scored by API Evangelist on 2026-10-31.

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