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 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

17.5/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

1 APIs

Financial ServicesBankingUnited StatesRegional BankPaymentsTreasury ManagementEmbedded BankingOpen FinanceData Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 17.5/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 3.0 / 20

Commercial Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 8.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

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 1

Portal, sign-up, and the first successful call

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.'
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
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
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: 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