# Fidel

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

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.

## Kin Score — 42.5 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 42.5).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 44.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 59.4 (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 — programs, cards, transactions, brands, locations, offers and webhooks. Enroll Visa/Mastercard/Amex cards via PCI-compliant SDKs and receive enriched real...

## Security (2)

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

## Tags

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

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