Fidel

Fidel (Enigmatic Smile Ltd, trading as Fidel API) is a card-linking and payments-data platform that lets developers connect Visa, Mastercard and Amex cards to web and mobile applications through a single API. PCI-compliant card-capture SDKs (Web, iOS, Android, React Native) securely tokenize card details, and Fidel then delivers enriched, real-time transaction records to the integrator's servers over webhooks whenever a linked card is used at a participating merchant. Products include the Select Transactions API, an Offers / card-linked-rewards API, card enrollment SDKs, and attribution & insights. Founded in 2015 and headquartered in the UK, Fidel operates in the United States, United Kingdom, Ireland, Canada, Sweden and the UAE, and absorbs PCI scope on behalf of its integrators.

Fidel publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, Card Linking, Transaction, and Fintech.

The Fidel catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Fidel’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 19 more developer resources.

🌐 Visit website 📡 Source on GitHub

42.5/100 developing ▬ flat Agent 20/100 agent aware saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

1 APIs

Company Payments Card Linking Transaction Fintech Embedded Finance Loyalty Rewards Webhook SDK

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 42.5/100 · developing

Contract Quality 9.1 / 21

Developer Ergonomics 7.5 / 17

Access Clarity 4.9 / 17

Operational Transparency 2.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.9 / 15

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 6 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

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.

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/fidel: 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 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Webhooks

Conventions

Conformance

Lifecycle

Components

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: fidel
name: Fidel
description: Fidel (Enigmatic Smile Ltd, trading as Fidel API) is a card-linking and payments-data platform that lets developers
  connect Visa, Mastercard and Amex cards to web and mobile applications through a single API. PCI-compliant card-capture
  SDKs (Web, iOS, Android, React Native) securely tokenize card details, and Fidel then delivers enriched, real-time transaction
  records to the integrator's servers over webhooks whenever a linked card is used at a participating merchant. Products include
  the Select Transactions API, an Offers / card-linked-rewards API, card enrollment SDKs, and attribution & insights. Founded
  in 2015 and headquartered in the UK, Fidel operates in the United States, United Kingdom, Ireland, Canada, Sweden and the
  UAE, and absorbs PCI scope on behalf of its integrators.
url: https://raw.githubusercontent.com/api-evangelist/fidel/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://fidelapi.com/fidel_social.png
tags:
- Company
- Payments
- Card Linking
- Transaction
- Fintech
- Embedded Finance
- Loyalty
- Rewards
- Webhook
- SDK
tags_raw:
- Company
- Payments
- Card Linking
- Transactions
- Fintech
- Embedded Finance
- Loyalty
- Rewards
- Webhooks
- SDKs
apis:
- name: Fidel API
  description: Card-linking REST API — programs, cards, transactions, brands, locations, offers and webhooks. Enroll Visa/Mastercard/Amex
    cards via PCI-compliant SDKs and receive enriched real-time transactions over webhooks.
  humanURL: https://docs.fidelapi.com/docs/select
  baseURL: https://api.fidel.uk/v1/
  tags:
  - Payments
  - Card Linking
  - Transaction
  tags_raw:
  - Payments
  - Card Linking
  - Transactions
  properties:
  - type: APIReference
    url: https://reference.fidel.uk/reference/introduction
  - type: Authentication
    url: authentication/fidel-authentication.yml
  - type: Webhooks
    url: asyncapi/fidel-webhooks.yml
  - type: Sandbox
    url: sandbox/fidel-sandbox.yml
  - type: DataModel
    url: data-model/fidel-data-model.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://fidelapi.com
- type: DeveloperPortal
  url: https://dashboard.fidel.uk
- type: Documentation
  url: https://docs.fidelapi.com/docs/select
- type: APIReference
  url: https://reference.fidel.uk/reference/introduction
- type: GettingStarted
  url: https://docs.fidelapi.com/docs/select/getting-started/
- type: Support
  url: https://fidellimited.zendesk.com/
- type: Blog
  url: https://fidelapi.com/blog
- type: GitHubOrganization
  url: https://github.com/Enigmatic-Smile
- type: Pricing
  url: https://fidelapi.com/pricing
- type: SignUp
  url: https://dashboard.fidel.uk/sign-up
- type: TermsOfService
  url: https://fidelapi.com/legal
- type: PrivacyPolicy
  url: https://fidelapi.com/legal/privacy
- type: StatusPage
  url: https://status.fidel.uk
- type: Packages
  url: packages/fidel-packages.yml
- type: SDKs
  url: packages/fidel-packages.yml
- type: Authentication
  url: authentication/fidel-authentication.yml
- type: Webhooks
  url: asyncapi/fidel-webhooks.yml
- type: Sandbox
  url: sandbox/fidel-sandbox.yml
- type: Conventions
  url: conventions/fidel-conventions.yml
- type: Conformance
  url: conformance/fidel-conformance.yml
- type: Compliance
  url: https://fidelapi.com/legal/security
- type: Lifecycle
  url: lifecycle/fidel-lifecycle.yml
- type: Components
  url: components/fidel-components.yml
- type: DataModel
  url: data-model/fidel-data-model.yml
- type: DomainSecurity
  url: security/fidel-domain-security.yml
- type: LLMsTxt
  url: llms/fidel-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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