Finicity

Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard in 2020 and now operating as Mastercard Open Banking (US) within Mastercard Open Finance. It is not a chartered bank but a consumer-permissioned data-access and decisioning platform (and an FCRA-regulated consumer reporting agency for its verification products), providing account and transaction aggregation, Verification of Assets, Income and Employment, transaction and cash-flow analysis, statements, and account validation for ACH payments. Finicity runs a first-party developer portal (developer.mastercard.com/open-banking-us, formerly developer.finicity.com and docs.finicity.com, both of which now redirect) over the live api.finicity.com host, is a founding participant in the Financial Data Exchange (FDX) with FDX-aligned data-sharing APIs, and positions its platform as an enabler of CFPB Section 1033 personal financial data rights. Public product documentation is openly reachable, but the full API reference and any machine-readable OpenAPI specification are partner-gated behind Mastercard Developers credentials.

Finicity publishes 35 APIs on the APIs.io network, including Account Validation Assistance API, Accounts API, Accounts (Simple) API, and 32 more. Tagged areas include Financial-Services, Data Aggregation, Open Finance, Open Banking, and FDX.

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

Finicity’s developer surface includes authentication, changelog, sandbox, documentation, API reference, getting-started guide, support, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub

49.7/100 developing ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Financial-Services Data Aggregation Open Finance Open Banking FDX United States Payments Financial Data

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Developer Platform & API Ecosystem Management

BC-4270

Webhook Subscription

POST /notification-subscriptions/webhooks GET /notification-subscriptions/webhooks GET /notification-subscriptions/webhooks/events

Credit & Lending Management

BC-1320

Small Business Credit Analytics

POST /decisioning/customers/{customerId}/sbca

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 49.7/100 · developing

Contract Quality 12.3 / 19

Developer Ergonomics 11.3 / 15

Access Clarity 2.0 / 15

Operational Transparency 4.9 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 6.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 24/100 · 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 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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 Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/finicity: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 41

Individual APIs this provider publishes, each with its own machine-readable definition.

Finicity Connect

Hosted, embeddable account-linking experience that lets a consumer authenticate to their financial institution and permission data sharing, returning the linked accounts to the ...

Finicity Verification of Assets (VoA) API

Generates a consumer-permissioned Verification of Assets report from aggregated account and balance data for mortgage, lending and underwriting workflows, an FCRA-regulated cons...

Finicity Verification of Income & Employment (VoIE) API

Derives income streams and employment signals from permissioned transaction and payroll data to produce Verification of Income and Verification of Employment reports for lending...

Finicity Transaction Analysis (Cash Flow) API

Analyzes permissioned transaction history to produce cash-flow, income and expense insights used for prequalification, credit decisioning and financial-health scoring.

Finicity Payments (Account Validation) API

Validates account ownership and status for ACH and account-funding flows, returning account, routing and owner verification signals to reduce returned payments and fraud.

Finicity Open Banking Data Access (FDX)

FDX-aligned, consumer-permissioned open-banking data-access surface through which Finicity, as a founding Financial Data Exchange participant, shares financial data on behalf of...

Finicity Account Validation Assistance API

Micro entries and account verification

Finicity Accounts API

Fetch or refresh customer accounts

Finicity Accounts (Simple) API

Fetch simple customer accounts

Finicity App Registration API

Finicity Authentication API

Generate authentication tokens and manage credentials

Finicity Balance Analytics API

Balance Analytics for businesses

Finicity Bank Statements API

Fetch account statements and generate reports asynchronously

Finicity Businesses API

Create and manage business associated with customers in order to use Balance Analytics or Cash Flow Analytics

Finicity Cash Flow Analytics API

Cash Flow Analytics for business

Finicity Cash Flow API

Generate cash flow reports asynchronously

Finicity Connect API

Allow customers to log into their financial institutions and grant Finicity authorization

Finicity Connect Components API

Allow customers to log into their financial institutions and grant Finicity authorization

Finicity Consumer Foresight API

Generate consumer foresight analytics reports

Finicity Consumers API

Create and manage consumers associated with customers in order to use report services

Finicity Customer Authorization Details API

APIs to retrieve customer authorization details

Finicity Customers API

Enroll and manage customers

Finicity Data Sharing Consent API

Manage data sharing consents

Finicity Identity API

Match the request details to the Institution account holder details

Finicity Institutions API

Search and fetch financial institutions

Finicity Pay Statements API

Upload pay statements

Finicity Payment Enablement Bundle API

Any or all of the Payments endpoints in one API call

Finicity Payment History Report API

Payment History Report for business

Finicity Payment Success Indicator API

Predict a transaction's likelihood to settle

Finicity Payments API

Fetch ACH details and account balances

Finicity Portfolios API

Generate portfolios of the most recent reports

Finicity Reports API

Fetch generated reports when ready

Finicity Small Business Credit Analytics API

Fetch merchant location matches and generate reports

Finicity Third Party Access API

Generate and manage access keys for other partners

Finicity Transaction Data Enrichment API

Enhance the transaction data set

Finicity Transactions API

Fetch customer and account transactions and generate reports asynchronously

Finicity Transfer API

Fetch details of the deposit and bill pay switches

Finicity Tx Push API

Manage TxPush subscriptions

Finicity Verify Assets API

Generate asset reports asynchronously

Finicity Verify Income and Employment API

Generate income and employment reports asynchronously

Finicity Webhook Subscription API

APIs for Managing Partner Webhook Event Subscriptions

Scroll for all 41

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Finicity Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Finicity Authentication

apiKey · 2 schemes

SECURITY

Finicity Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

GettingStarted

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Components

DataModel

Build 4

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

Postman

Postman

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

StatusPage

Deprecation

ChangeLog

Support

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 3

Properties that don't map to a standard resource type

ParentCompany

ParentCompany

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: finicity
url: https://raw.githubusercontent.com/api-evangelist/finicity/refs/heads/main/apis.yml
name: Finicity
kind: company
description: Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard
  in 2020 and now operating as Mastercard Open Banking (US) within Mastercard Open Finance. It is not a chartered bank but
  a consumer-permissioned data-access and decisioning platform (and an FCRA-regulated consumer reporting agency for its verification
  products), providing account and transaction aggregation, Verification of Assets, Income and Employment, transaction and
  cash-flow analysis, statements, and account validation for ACH payments. Finicity runs a first-party developer portal (developer.mastercard.com/open-banking-us,
  formerly developer.finicity.com and docs.finicity.com, both of which now redirect) over the live api.finicity.com host,
  is a founding participant in the Financial Data Exchange (FDX) with FDX-aligned data-sharing APIs, and positions its platform
  as an enabler of CFPB Section 1033 personal financial data rights. Public product documentation is openly reachable, but
  the full API reference and any machine-readable OpenAPI specification are partner-gated behind Mastercard Developers credentials.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  - url: https://www.finicity.com/
    status: 301
    note: declared website redirects to https://www.mastercard.com/us/en/business/open-finance.html — a different registrable
      domain (finicity.com -> mastercard.com), possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Data Aggregation
- Open Finance
- Open Banking
- FDX
- United States
- Payments
- Financial Data
tags_raw:
- Financial Services
- Data Aggregation
- Open Finance
- Open Banking
- FDX
- United States
- Payments
- Financial Data
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: finicity:finicity-connect
  name: Finicity Connect
  description: Hosted, embeddable account-linking experience that lets a consumer authenticate to their financial institution
    and permission data sharing, returning the linked accounts to the partner application.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/connect/
  baseURL: https://api.finicity.com
  tags:
  - Connect
  - Onboarding
  - Account Linking
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/connect/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-verification-of-assets-api
  name: Finicity Verification of Assets (VoA) API
  description: Generates a consumer-permissioned Verification of Assets report from aggregated account and balance data for
    mortgage, lending and underwriting workflows, an FCRA-regulated consumer report product.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Verification
  - Assets
  - Lending
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-verification-of-income-employment-api
  name: Finicity Verification of Income & Employment (VoIE) API
  description: Derives income streams and employment signals from permissioned transaction and payroll data to produce Verification
    of Income and Verification of Employment reports for lending decisions.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Verification
  - Income
  - Employment
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-transaction-analysis-api
  name: Finicity Transaction Analysis (Cash Flow) API
  description: Analyzes permissioned transaction history to produce cash-flow, income and expense insights used for prequalification,
    credit decisioning and financial-health scoring.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Transaction
  - Cash Flow
  - Decisioning
  tags_raw:
  - Transactions
  - Cash Flow
  - Decisioning
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-payments-account-validation-api
  name: Finicity Payments (Account Validation) API
  description: Validates account ownership and status for ACH and account-funding flows, returning account, routing and owner
    verification signals to reduce returned payments and fraud.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Payments
  - Account Validation
  - ACH
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-open-banking-data-access
  name: Finicity Open Banking Data Access (FDX)
  description: FDX-aligned, consumer-permissioned open-banking data-access surface through which Finicity, as a founding Financial
    Data Exchange participant, shares financial data on behalf of connected institutions in support of CFPB Section 1033 data
    rights.
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Open Banking
  - FDX
  - Data Access
  properties:
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- aid: finicity:finicity-account-validation-assistance-api
  name: Finicity Account Validation Assistance API
  description: Micro entries and account verification
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Account Validation Assistance
  properties:
  - type: OpenAPI
    url: openapi/finicity-account-validation-assistance-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-accounts-api
  name: Finicity Accounts API
  description: Fetch or refresh customer accounts
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/finicity-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-accounts-simple-api
  name: Finicity Accounts (Simple) API
  description: Fetch simple customer accounts
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Accounts (Simple)
  properties:
  - type: OpenAPI
    url: openapi/finicity-accounts-simple-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-app-registration-api
  name: Finicity App Registration API
  description: Register and assign apps to customers
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - App Registration
  properties:
  - type: OpenAPI
    url: openapi/finicity-app-registration-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-authentication-api
  name: Finicity Authentication API
  description: Generate authentication tokens and manage credentials
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/finicity-authentication-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-balance-analytics-api
  name: Finicity Balance Analytics API
  description: Balance Analytics for businesses
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Balance Analytics
  properties:
  - type: OpenAPI
    url: openapi/finicity-balance-analytics-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-bank-statements-api
  name: Finicity Bank Statements API
  description: Fetch account statements and generate reports asynchronously
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Bank Statements
  properties:
  - type: OpenAPI
    url: openapi/finicity-bank-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-businesses-api-api
  name: Finicity Businesses API
  description: Create and manage business associated with customers in order to use Balance Analytics or Cash Flow Analytics
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Businesses API
  properties:
  - type: OpenAPI
    url: openapi/finicity-businesses-api-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-cash-flow-analytics-api
  name: Finicity Cash Flow Analytics API
  description: Cash Flow Analytics for business
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Cash Flow Analytics
  properties:
  - type: OpenAPI
    url: openapi/finicity-cash-flow-analytics-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-cash-flow-api
  name: Finicity Cash Flow API
  description: Generate cash flow reports asynchronously
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Cash Flow
  properties:
  - type: OpenAPI
    url: openapi/finicity-cash-flow-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-connect-api
  name: Finicity Connect API
  description: Allow customers to log into their financial institutions and grant Finicity authorization
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Connect
  properties:
  - type: OpenAPI
    url: openapi/finicity-connect-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-connect-components-api
  name: Finicity Connect Components API
  description: Allow customers to log into their financial institutions and grant Finicity authorization
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Connect Components
  properties:
  - type: OpenAPI
    url: openapi/finicity-connect-components-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-consumer-foresight-api
  name: Finicity Consumer Foresight API
  description: Generate consumer foresight analytics reports
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Consumer Foresight
  properties:
  - type: OpenAPI
    url: openapi/finicity-consumer-foresight-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-consumers-api
  name: Finicity Consumers API
  description: Create and manage consumers associated with customers in order to use report services
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Consumers
  properties:
  - type: OpenAPI
    url: openapi/finicity-consumers-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-customer-authorization-details-api
  name: Finicity Customer Authorization Details API
  description: APIs to retrieve customer authorization details
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Customer Authorization Details
  properties:
  - type: OpenAPI
    url: openapi/finicity-customer-authorization-details-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-customers-api
  name: Finicity Customers API
  description: Enroll and manage customers
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/finicity-customers-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-data-sharing-consent-api
  name: Finicity Data Sharing Consent API
  description: Manage data sharing consents
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Data Sharing Consent
  properties:
  - type: OpenAPI
    url: openapi/finicity-data-sharing-consent-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-identity-api
  name: Finicity Identity API
  description: Match the request details to the Institution account holder details
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Identity
  properties:
  - type: OpenAPI
    url: openapi/finicity-identity-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-institutions-api
  name: Finicity Institutions API
  description: Search and fetch financial institutions
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Institutions
  tags_raw:
  - Institutions
  properties:
  - type: OpenAPI
    url: openapi/finicity-institutions-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-pay-statements-api
  name: Finicity Pay Statements API
  description: Upload pay statements
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Pay Statements
  properties:
  - type: OpenAPI
    url: openapi/finicity-pay-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-payment-enablement-bundle-api
  name: Finicity Payment Enablement Bundle API
  description: Any or all of the Payments endpoints in one API call
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Payment Enablement Bundle
  properties:
  - type: OpenAPI
    url: openapi/finicity-payment-enablement-bundle-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-payment-history-report-api
  name: Finicity Payment History Report API
  description: Payment History Report for business
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Payment History Report
  properties:
  - type: OpenAPI
    url: openapi/finicity-payment-history-report-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-payment-success-indicator-api
  name: Finicity Payment Success Indicator API
  description: Predict a transaction's likelihood to settle
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Payment Success Indicator
  properties:
  - type: OpenAPI
    url: openapi/finicity-payment-success-indicator-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-payments-api
  name: Finicity Payments API
  description: Fetch ACH details and account balances
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/finicity-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-portfolios-api
  name: Finicity Portfolios API
  description: Generate portfolios of the most recent reports
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Portfolio
  tags_raw:
  - Portfolios
  properties:
  - type: OpenAPI
    url: openapi/finicity-portfolios-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-reports-api
  name: Finicity Reports API
  description: Fetch generated reports when ready
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Reports
  properties:
  - type: OpenAPI
    url: openapi/finicity-reports-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-small-business-credit-analytics-api
  name: Finicity Small Business Credit Analytics API
  description: Fetch merchant location matches and generate reports
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Small Business Credit Analytics
  properties:
  - type: OpenAPI
    url: openapi/finicity-small-business-credit-analytics-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-third-party-access-api
  name: Finicity Third Party Access API
  description: Generate and manage access keys for other partners
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Third Party Access
  properties:
  - type: OpenAPI
    url: openapi/finicity-third-party-access-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-transaction-data-enrichment-api
  name: Finicity Transaction Data Enrichment API
  description: Enhance the transaction data set
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Transaction Data Enrichment
  properties:
  - type: OpenAPI
    url: openapi/finicity-transaction-data-enrichment-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-transactions-api
  name: Finicity Transactions API
  description: Fetch customer and account transactions and generate reports asynchronously
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/finicity-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-transfer-api
  name: Finicity Transfer API
  description: Fetch details of the deposit and bill pay switches
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Transfer
  properties:
  - type: OpenAPI
    url: openapi/finicity-transfer-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-txpush-api
  name: Finicity Tx Push API
  description: Manage TxPush subscriptions
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - TxPush
  properties:
  - type: OpenAPI
    url: openapi/finicity-txpush-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-verify-assets-api
  name: Finicity Verify Assets API
  description: Generate asset reports asynchronously
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Verify Assets
  properties:
  - type: OpenAPI
    url: openapi/finicity-verify-assets-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-verify-income-and-employment-api
  name: Finicity Verify Income and Employment API
  description: Generate income and employment reports asynchronously
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Verify Income and Employment
  properties:
  - type: OpenAPI
    url: openapi/finicity-verify-income-and-employment-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
- aid: finicity:finicity-webhook-subscription-api
  name: Finicity Webhook Subscription API
  description: APIs for Managing Partner Webhook Event Subscriptions
  humanURL: https://developer.mastercard.com/open-banking-us/documentation/
  baseURL: https://api.finicity.com
  tags:
  - Webhook Subscription
  properties:
  - type: OpenAPI
    url: openapi/finicity-webhook-subscription-api-openapi.yml
  - type: Documentation
    url: https://developer.mastercard.com/open-banking-us/documentation/
  - type: APIReference
    url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
  - type: Webhooks
    url: asyncapi/finicity-webhooks.yml
common:
- type: ParentCompany
  url: https://apis.io/providers/mastercard/
  name: Mastercard
  x-relationship: acquired
  x-evidence: Finicity, LLC is a Utah-based financial-data aggregator and open-finance technology provider acquired by Mastercard
    in 2020 and now operating as Mastercard Open Banking (US) within Mastercard Open Finance.
- type: CapabilityMap
  url: capabilities/finicity-capability-edges.yml
  name: Finicity Business Capability Map
- type: Authentication
  url: authentication/finicity-authentication.yml
- type: DomainSecurity
  url: security/finicity-domain-security.yml
- type: Packages
  url: packages/finicity-packages.yml
- type: SDKs
  url: packages/finicity-packages.yml
- type: WellKnown
  url: well-known/finicity-well-known.yml
- type: X-MCPServerCandidate
  url: mcp/finicity-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/finicity-llms.txt
- type: Overlay
  url: overlays/finicity-openbanking-us-overlay.yaml
- type: Conformance
  url: conformance/finicity-conformance.yml
- type: ErrorCatalog
  url: errors/finicity-problem-types.yml
- type: Lifecycle
  url: lifecycle/finicity-lifecycle.yml
- type: StatusPage
  url: https://developer.mastercard.com/open-banking-us/documentation/status/
- type: Deprecation
  url: lifecycle/finicity-lifecycle.yml
- type: Conventions
  url: conventions/finicity-conventions.yml
- type: ChangeLog
  url: changelog/finicity-changelog.yml
- type: Components
  url: components/finicity-components.yml
- type: DataModel
  url: data-model/finicity-data-model.yml
- type: Sandbox
  url: sandbox/finicity-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.finicity.com/
- type: DeveloperPortal
  url: https://developer.mastercard.com/open-banking-us/documentation/
- type: Documentation
  url: https://developer.mastercard.com/open-banking-us/documentation/
- type: APIReference
  url: https://developer.mastercard.com/open-banking-us/documentation/api-reference/
- type: GettingStarted
  url: https://developer.mastercard.com/open-banking-us/documentation/test-the-apis/
- type: Postman
  url: https://github.com/Mastercard/open-banking-us-postman
- type: Support
  url: https://developer.mastercard.com/support/
- type: SignUp
  url: https://developer.mastercard.com/product/open-banking/
- type: GitHubOrganization
  url: https://github.com/Mastercard
- type: LinkedIn
  url: https://www.linkedin.com/company/finicity/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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