Discover Financial Services

aid: discover-financial
name: Discover Financial Services
kind: company
description: Discover Financial Services is a US direct bank and payments company that owns the Discover Network, the PULSE
  debit network, and Diners Club International. Its Discover Global Network (DGN) developer program exposes a partner-gated
  developer center with interactive OpenAPI documentation for card-network products — EMV 3-D Secure (ProtectBuy), Secure
  Remote Commerce / Click to Pay, Stored Token Services (tokenization), and Discover Deliver push payments. Consumer account-data
  access is delivered through open-finance aggregators (Plaid, Finicity) rather than a first-party retail-banking API.
url: https://raw.githubusercontent.com/api-evangelist/discover-financial/refs/heads/main/apis.yml
type: Index
accessModel:
  pricing: unknown
  onboarding: partner
  trial: false
  try_now: false
  public: false
  label: Partner-gated
  confidence: low
  source:
  - developer-portal
  - documentation
  generated: '2026-07-23'
  method: derived
position: Producer
access: Partner
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/discover-financial.png
tags:
- Banking
- Cards
- Financial Services
- Fortune 500
- Open Banking
- Payments
- United States
- Card Network
- 3-D Secure
- Tokenization
created: '2026-03-21'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: discover-financial:protectbuy-3ds
  name: Discover ProtectBuy 3-D Secure API
  description: ProtectBuy is Discover Global Network's EMV 3-D Secure (3DS) cardholder authentication service. Built on the
    EMVCo 3-D Secure protocol, it lets merchants, acquirers, and 3DS servers authenticate Discover, Diners Club, and network-alliance
    cardholders at checkout, challenge high-risk transactions with a one-time password, and shift liability for card-not-present
    fraud across web, mobile, and connected-device commerce. Documentation and OpenAPI reference are published in the partner-gated
    Discover Developer Center; full specs require partner authentication.
  humanURL: https://www.discoverglobalnetwork.com/solutions/fraud-security/protectbuy/
  tags:
  - 3-D Secure
  - Fraud
  - Authentication
  - Payments
  - United States
  properties:
  - type: DeveloperPortal
    url: https://developer.discover.com/
  - type: Documentation
    url: https://www.discoverglobalnetwork.com/solutions/fraud-security/protectbuy/
- aid: discover-financial:secure-remote-commerce
  name: Discover Secure Remote Commerce (Click to Pay) API
  description: Discover's Secure Remote Commerce (SRC) implementation powers Click to Pay, the EMVCo standard for a streamlined,
    tokenized online checkout across participating card networks. The SRC developer program exposes enrollment, recognition,
    and checkout operations so merchants and payment providers can offer a consistent guest and returning-cardholder experience
    without handling raw PANs. A dedicated SRC developer console and interactive OpenAPI reference are available behind partner
    sign-in on the Discover Developer Center.
  humanURL: https://www.discoverglobalnetwork.com/solutions/enable-payments/secure-remote-commerce/
  tags:
  - Secure Remote Commerce
  - Click to Pay
  - Checkout
  - Payments
  - United States
  properties:
  - type: DeveloperPortal
    url: https://console.src.developer.discover.com/
  - type: Documentation
    url: https://www.discoverglobalnetwork.com/solutions/enable-payments/secure-remote-commerce/
- aid: discover-financial:stored-token-services
  name: Discover Stored Token Services API
  description: Stored Token Services is Discover Global Network's payment tokenization service. It replaces sensitive card
    account numbers with network tokens for card-on-file, digital-wallet, and recurring-payment use cases, and manages the
    token lifecycle — provisioning, updates, and suspension — so merchants and token requestors can secure every digital transaction
    and reduce the scope of stored credential data. The API is documented with interactive OpenAPI reference in the partner-gated
    Discover Developer Center.
  humanURL: https://www.discoverglobalnetwork.com/solutions/fraud-security/stored-token-services/
  tags:
  - Tokenization
  - Card on File
  - Security
  - Payments
  - United States
  properties:
  - type: DeveloperPortal
    url: https://developer.discover.com/
  - type: Documentation
    url: https://www.discoverglobalnetwork.com/solutions/fraud-security/stored-token-services/
- aid: discover-financial:discover-deliver-push-payments
  name: Discover Deliver Push Payments API
  description: Discover Deliver is Discover Global Network's push-payments (Original Credit Transaction) service, enabling
    the quick, convenient, and secure transfer of funds directly to eligible Discover, Diners Club, and alliance-network cards.
    It supports disbursement use cases such as gig-economy payouts, refunds, account-to-account transfers, and insurance or
    lending disbursements. The push-payments API is documented in the partner-gated Discover Developer Center; production
    access is arranged through a Discover account executive.
  humanURL: https://www.discoverglobalnetwork.com/solutions/enable-payments/discover-deliver-push-payments-solution/
  tags:
  - Push Payments
  - Disbursements
  - OCT
  - Payments
  - United States
  properties:
  - type: DeveloperPortal
    url: https://developer.discover.com/
  - type: Documentation
    url: https://www.discoverglobalnetwork.com/solutions/enable-payments/discover-deliver-push-payments-solution/
common:
- type: VulnerabilityDisclosure
  url: security/discover-financial-vulnerability-disclosure.yml
- type: Security
  url: security/discover-financial-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/discover-financial-domain-security.yml
- type: Conformance
  url: conformance/discover-financial-conformance.yml
- type: LLMsTxt
  url: llms/discover-financial-llms.txt
- type: GitHubOrganization
  url: https://github.com/discoverfinancial
- type: LinkedIn
  url: https://www.linkedin.com/company/discover-financial-services
- url: https://www.discover.com/
  name: Discover
  type: Website
- url: https://www.discover-financial.com
  name: Discover Financial Services
  type: Corporate
- url: https://developer.discover.com/
  name: Discover Developer Portal
  type: DeveloperPortal
- url: https://partner.discoverglobalnetwork.com/
  name: Discover Global Network Partner Portal
  type: PartnerPortal
- url: https://www.discoverglobalnetwork.com/
  name: Discover Global Network
  type: Network
- url: https://technology.discover.com/
  name: Discover Technology
  type: Blog
- url: https://investorrelations.discover.com/
  name: Investor Relations
  type: InvestorRelations
- url: https://www.discover.com/company/our-company/legal/
  name: Legal
  type: Legal
- url: https://www.discover.com/privacy-statements/
  name: Privacy Statements
  type: PrivacyPolicy
maintainers:
- FN: Kin Lane
  url: http://apievangelist.com
  email: kin@apievangelist.com