# Mercantile

**Canonical:** https://apis.io/providers/mercantile/  
**Website:** https://www.getmercantile.com/  
**APIs profiled:** 0

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.

## Kin Score — 9.1 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Mercantile Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Credit Cards, Card Issuing, Embedded Finance, Fintech, Payments, Loyalty and Rewards, Affinity Programs, Business Credit, Mastercard

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