Commerce Bank

Commerce Bank is the principal banking subsidiary of Commerce Bancshares, Inc. (NASDAQ CBSH), a Missouri-based regional bank holding company with roughly $32 billion in assets and dual headquarters in Kansas City and St. Louis. Commerce Bank is a Missouri state-chartered bank and Federal Reserve member, founded in 1865, offering personal, business, commercial, and wealth-management services across the U.S. Midwest. Its API posture is corporate/embedded-banking oriented rather than a fully open public program: it runs a registration-gated external developer portal (developers.commercebank.com) and a CommercePayments developer platform, and delivers ERP-embedded banking via Commerce Connections Direct. Consumer-permissioned data sharing is largely intermediated through aggregators such as Plaid and platforms like Modern Treasury rather than a documented first-party, self-serve open-banking API. No public FDX or CFPB Section 1033 data-access posture is documented, and no downloadable OpenAPI/Swagger is publicly available.

Commerce Bank publishes 1 API on the APIs.io network. Tagged areas include Financial-Services, Banking, United States, Regional Bank, and Payments.

Commerce Bank’s developer surface includes engineering blog, support, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

10.7/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

1 APIs

Financial-Services Banking United States Regional Bank Payments Treasury Management Embedded Banking Open Finance Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 10.7/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 2.9 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.7 / 9

Regulatory Posture 1.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 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 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/commerce-bancshares: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

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

Get Started 2

Portal, sign-up, and the first successful call

Login

DeveloperPortal

DeveloperPortal

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: commerce-bancshares
url: https://raw.githubusercontent.com/api-evangelist/commerce-bancshares/refs/heads/main/apis.yml
name: Commerce Bank
kind: company
description: 'Commerce Bank is the principal banking subsidiary of Commerce Bancshares, Inc. (NASDAQ CBSH), a Missouri-based
  regional bank holding company with roughly $32 billion in assets and dual headquarters in Kansas City and St. Louis. Commerce
  Bank is a Missouri state-chartered bank and Federal Reserve member, founded in 1865, offering personal, business, commercial,
  and wealth-management services across the U.S. Midwest. Its API posture is corporate/embedded-banking oriented rather than
  a fully open public program: it runs a registration-gated external developer portal (developers.commercebank.com) and a
  CommercePayments developer platform, and delivers ERP-embedded banking via Commerce Connections Direct. Consumer-permissioned
  data sharing is largely intermediated through aggregators such as Plaid and platforms like Modern Treasury rather than a
  documented first-party, self-serve open-banking API. No public FDX or CFPB Section 1033 data-access posture is documented,
  and no downloadable OpenAPI/Swagger is publicly available.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- United States
- Regional Bank
- Payments
- Treasury Management
- Embedded Banking
- Open Finance
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- United States
- Regional Bank
- Payments
- Treasury Management
- Embedded Banking
- Open Finance
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: commerce-bancshares:commerce-developer-apis
  name: Commerce Bank Developer APIs
  description: Commerce Bank's corporate API program, published through a registration-gated external developer portal and
    the CommercePayments developer platform, covering payments, treasury, and embedded-banking integrations for business and
    ERP systems. Access is partner/registration-gated; no public self-serve OpenAPI is published.
  humanURL: https://developers.commercebank.com/
  tags:
  - Payments
  - Treasury Management
  - Embedded Banking
  properties:
  - type: Documentation
    url: https://developers.commercebank.com/
  - type: Documentation
    url: https://www.commercebank.com/corporate/solutions/payments-treasury/payables/embedded-banking
  - type: Documentation
    url: https://www.commercebank.com/business/trends-and-insights/2024/how-commercepayments-is-transforming-corporate-finance-processes
common:
- type: Login
  url: https://banking.commercebank.com/cbi/login.aspx
- type: DomainSecurity
  url: security/commerce-bancshares-domain-security.yml
- type: Website
  url: https://www.commercebank.com/
- type: DeveloperPortal
  url: https://developers.commercebank.com/
- type: Blog
  url: https://www.commercebank.com/business/trends-and-insights
- type: TermsOfService
  url: https://www.commercebank.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.commercebank.com/security-center/privacy-statement
- type: Support
  url: https://www.commercebank.com/contact-us
- type: LinkedIn
  url: https://www.linkedin.com/company/commerce_bank
- type: LLMsTxt
  url: llms/commerce-bancshares-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com