# FIDEL API

**Canonical:** https://apis.io/providers/fidel-api/  
**Website:** https://fidelapi.com/  
**APIs profiled:** 1

Fidel API is a global card-linking platform that connects Visa, Mastercard and Amex payment cards to web and mobile applications through a single API. Once a cardholder links a card (via Fidel's PCI-compliant Web, iOS, Android or React Native SDKs), Fidel streams enriched, real-time transaction data - authorization, clearing and refund events - from the card networks to the developer's server via signed webhooks. Developers use it to build card-linked loyalty, rewards, cashback and offers programs without handling raw card data or PCI scope. The platform spans Programs, Brands, Locations, Cards, Transactions, Offers and Merchant IDs, operates test and live environments, and is available across the US, UK, Ireland, Canada, Sweden and the UAE (with Japan in beta). Founded in 2018 and headquartered in London, Fidel is backed by Bain Capital Ventures.

## Kin Score — 33.3 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 33.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 42.1 |
| Developer Ergonomics | 32.1 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 19.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Fidel API** — Card-linking REST API for linking Visa/Mastercard/Amex cards to programs and receiving real-time transaction events (Programs, Brands, Cards, Transactions, Locations, Offers, We...

## Security (2)

- **Fidel Api Authentication** — apiKey · 1 scheme
- **Fidel Api Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Fintech, Card Linking, Payments, Transaction, Webhook, SDK, Card-Linked Offers, Financial Data

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/fidel-api/). Scores are computed from the provider's own public artifacts under a published rubric.