Mercantile

Mercantile is a branded business credit card platform operated by Onboard Partners LLC (Boston, MA) that helps fintechs, consumer brands, and trade associations launch and run custom affinity credit card programs. It delivers a turnkey card-as-a-service stack — card issuing (cards issued by Hatch Bank on the Mastercard network), tailored underwriting and flexible funding, a ready-made regulatory/compliance/banking framework, real-time fraud monitoring, rewards, cardholder support, and full-service marketing — plus a partner API that lets brands integrate card features into their own systems to automate and scale their program.

Mercantile is profiled on the APIs.io network. Tagged areas include Company, Credit Cards, Card Issuing, Embedded Finance, and Fintech.

Mercantile’s developer surface includes engineering blog, support, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub
15.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyCredit CardsCard IssuingEmbedded FinanceFintechPaymentsLoyalty and RewardsAffinity ProgramsBusiness CreditMastercard

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 15.0/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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/mercantile: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Mercantile Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: mercantile
name: Mercantile
description: Mercantile is a branded business credit card platform operated by Onboard Partners LLC (Boston, MA) that helps
  fintechs, consumer brands, and trade associations launch and run custom affinity credit card programs. It delivers a turnkey
  card-as-a-service stack — card issuing (cards issued by Hatch Bank on the Mastercard network), tailored underwriting and
  flexible funding, a ready-made regulatory/compliance/banking framework, real-time fraud monitoring, rewards, cardholder
  support, and full-service marketing — plus a partner API that lets brands integrate card features into their own systems
  to automate and scale their program.
url: https://raw.githubusercontent.com/api-evangelist/mercantile/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
- index-ventures
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
image: https://cdn.prod.website-files.com/6346e72c966c1b1aab035831/694c12a652f8b0cdb3763faa_Mercantile_Home_Opengraph_2026.png
tags:
- Company
- Credit Cards
- Card Issuing
- Embedded Finance
- Fintech
- Payments
- Loyalty and Rewards
- Affinity Programs
- Business Credit
- Mastercard
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.getmercantile.com/
- type: Blog
  url: https://www.getmercantile.com/newsroom
- type: Support
  url: https://help.mercantile.cards/
- type: TermsOfService
  url: https://www.getmercantile.com/legal/terms-of-use
- type: PrivacyPolicy
  url: https://www.getmercantile.com/legal/privacy-policy
- type: DomainSecurity
  url: security/mercantile-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1