Method Financial website screenshot

Method Financial

Method Financial provides an embedded liability connectivity and payments API that lets developers identify, retrieve, and pay down a consumer's debts (credit cards, student loans, auto loans, mortgages, personal loans) across a network of 15,000+ financial institutions. The REST API exposes entities, accounts, payments, merchants, connect (liability discovery), transactions, and webhooks, authenticated with a Bearer API key.

Method Financial publishes 7 APIs on the APIs.io network, including Accounts API, Connect API, Entities API, and 4 more. Tagged areas include FinTech, Payments, Liabilities, Debt, and Embedded Finance.

Method Financial’s developer surface includes authentication, documentation, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
35.9/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
AccessPaidSelf serve
7 APIs
FinTechPaymentsLiabilitiesDebtEmbedded Finance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 35.9/100 · thin
Contract Quality 14.1 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 7.4 / 20
Operational Transparency 4.8 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
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 7 / 7
Typed Event Surface 0 / 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
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/method-fi: 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 7

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

Method Financial Accounts API

Liability and asset accounts linked to an entity.

Method Financial Connect API

Liability discovery across Method's institution network.

Method Financial Entities API

Individuals and corporations that own accounts.

Method Financial Merchants API

Financial institutions that accept payments for a liability.

Method Financial Payments API

Electronic transfers between a source and destination account.

Method Financial Transactions API

Transaction history for an account.

Method Financial Webhooks API

Asynchronous event delivery to your endpoints.

Scroll for all 7

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Method Financial API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Method Fi Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Method Fi Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Method Fi Finops

FINOPS

Security Posture 3

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

Method Fi Authentication

http · 1 scheme

SECURITY

Method Fi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Method Fi Trust Center

SOC 2, PCI DSS

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Method Fi Agentic Access

27 operations · 10 acting

27 operations · 10 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: method-fi
url: https://raw.githubusercontent.com/api-evangelist/method-fi/refs/heads/main/apis.yml
name: Method Financial
kind: company
description: Method Financial provides an embedded liability connectivity and payments API that lets developers identify,
  retrieve, and pay down a consumer's debts (credit cards, student loans, auto loans, mortgages, personal loans) across a
  network of 15,000+ financial institutions. The REST API exposes entities, accounts, payments, merchants, connect (liability
  discovery), transactions, and webhooks, authenticated with a Bearer API key.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/method-fi.png
tags:
- FinTech
- Payments
- Liabilities
- Debt
- Embedded Finance
created: '2026-06-20'
modified: '2026-06-20'
specificationVersion: '0.19'
apis:
- aid: method-fi:method-fi-accounts-api
  name: Method Financial Accounts API
  description: Liability and asset accounts linked to an entity.
  humanURL: https://docs.methodfi.com/api/core/entities/object
  baseURL: https://production.methodfi.com
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/method-fi-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.methodfi.com/api/core/entities/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/create
  - type: PostmanCollection
    url: collections/method-fi.postman_collection.json
  - type: OpenCollection
    url: collections/method-fi.opencollection.json
  - type: Documentation
    url: https://docs.methodfi.com/api/core/accounts/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/payments/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/payments/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/merchants/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/merchants/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/connect/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/connect/retrieve
  - type: Documentation
    url: https://docs.methodfi.com/api/core/transactions/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/transactions/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/webhooks/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/webhooks/create
- aid: method-fi:method-fi-connect-api
  name: Method Financial Connect API
  description: Liability discovery across Method's institution network.
  humanURL: https://docs.methodfi.com/api/core/entities/object
  baseURL: https://production.methodfi.com
  tags:
  - Connect
  properties:
  - type: OpenAPI
    url: openapi/method-fi-connect-api-openapi.yml
  - type: Documentation
    url: https://docs.methodfi.com/api/core/entities/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/create
  - type: PostmanCollection
    url: collections/method-fi.postman_collection.json
  - type: OpenCollection
    url: collections/method-fi.opencollection.json
  - type: Documentation
    url: https://docs.methodfi.com/api/core/accounts/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/payments/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/payments/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/merchants/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/merchants/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/connect/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/connect/retrieve
  - type: Documentation
    url: https://docs.methodfi.com/api/core/transactions/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/transactions/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/webhooks/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/webhooks/create
- aid: method-fi:method-fi-entities-api
  name: Method Financial Entities API
  description: Individuals and corporations that own accounts.
  humanURL: https://docs.methodfi.com/api/core/entities/object
  baseURL: https://production.methodfi.com
  tags:
  - Entities
  properties:
  - type: OpenAPI
    url: openapi/method-fi-entities-api-openapi.yml
  - type: Documentation
    url: https://docs.methodfi.com/api/core/entities/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/create
  - type: PostmanCollection
    url: collections/method-fi.postman_collection.json
  - type: OpenCollection
    url: collections/method-fi.opencollection.json
  - type: Documentation
    url: https://docs.methodfi.com/api/core/accounts/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/payments/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/payments/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/merchants/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/merchants/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/connect/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/connect/retrieve
  - type: Documentation
    url: https://docs.methodfi.com/api/core/transactions/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/transactions/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/webhooks/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/webhooks/create
- aid: method-fi:method-fi-merchants-api
  name: Method Financial Merchants API
  description: Financial institutions that accept payments for a liability.
  humanURL: https://docs.methodfi.com/api/core/entities/object
  baseURL: https://production.methodfi.com
  tags:
  - Merchants
  properties:
  - type: OpenAPI
    url: openapi/method-fi-merchants-api-openapi.yml
  - type: Documentation
    url: https://docs.methodfi.com/api/core/entities/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/create
  - type: PostmanCollection
    url: collections/method-fi.postman_collection.json
  - type: OpenCollection
    url: collections/method-fi.opencollection.json
  - type: Documentation
    url: https://docs.methodfi.com/api/core/accounts/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/payments/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/payments/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/merchants/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/merchants/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/connect/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/connect/retrieve
  - type: Documentation
    url: https://docs.methodfi.com/api/core/transactions/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/transactions/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/webhooks/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/webhooks/create
- aid: method-fi:method-fi-payments-api
  name: Method Financial Payments API
  description: Electronic transfers between a source and destination account.
  humanURL: https://docs.methodfi.com/api/core/entities/object
  baseURL: https://production.methodfi.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/method-fi-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.methodfi.com/api/core/entities/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/create
  - type: PostmanCollection
    url: collections/method-fi.postman_collection.json
  - type: OpenCollection
    url: collections/method-fi.opencollection.json
  - type: Documentation
    url: https://docs.methodfi.com/api/core/accounts/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/payments/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/payments/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/merchants/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/merchants/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/connect/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/connect/retrieve
  - type: Documentation
    url: https://docs.methodfi.com/api/core/transactions/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/transactions/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/webhooks/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/webhooks/create
- aid: method-fi:method-fi-transactions-api
  name: Method Financial Transactions API
  description: Transaction history for an account.
  humanURL: https://docs.methodfi.com/api/core/entities/object
  baseURL: https://production.methodfi.com
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/method-fi-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.methodfi.com/api/core/entities/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/create
  - type: PostmanCollection
    url: collections/method-fi.postman_collection.json
  - type: OpenCollection
    url: collections/method-fi.opencollection.json
  - type: Documentation
    url: https://docs.methodfi.com/api/core/accounts/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/payments/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/payments/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/merchants/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/merchants/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/connect/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/connect/retrieve
  - type: Documentation
    url: https://docs.methodfi.com/api/core/transactions/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/transactions/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/webhooks/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/webhooks/create
- aid: method-fi:method-fi-webhooks-api
  name: Method Financial Webhooks API
  description: Asynchronous event delivery to your endpoints.
  humanURL: https://docs.methodfi.com/api/core/entities/object
  baseURL: https://production.methodfi.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/method-fi-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.methodfi.com/api/core/entities/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/create
  - type: PostmanCollection
    url: collections/method-fi.postman_collection.json
  - type: OpenCollection
    url: collections/method-fi.opencollection.json
  - type: Documentation
    url: https://docs.methodfi.com/api/core/accounts/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/payments/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/payments/create
  - type: Documentation
    url: https://docs.methodfi.com/api/core/merchants/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/merchants/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/connect/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/entities/connect/retrieve
  - type: Documentation
    url: https://docs.methodfi.com/api/core/transactions/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/accounts/transactions/list
  - type: Documentation
    url: https://docs.methodfi.com/api/core/webhooks/object
  - type: APIReference
    url: https://docs.methodfi.com/reference/webhooks/create
common:
- type: AgenticAccess
  url: agentic-access/method-fi-agentic-access.yml
- type: TrustCenter
  url: security/method-fi-trust-center.yml
- type: DomainSecurity
  url: security/method-fi-domain-security.yml
- type: Authentication
  url: authentication/method-fi-authentication.yml
- type: GitHubOrganization
  url: https://github.com/MethodFi
- type: LinkedIn
  url: https://www.linkedin.com/company/methodfi
- type: Website
  url: https://methodfi.com
- type: Documentation
  url: https://docs.methodfi.com
- type: Plans
  url: plans/method-fi-plans-pricing.yml
- type: RateLimits
  url: rate-limits/method-fi-rate-limits.yml
- type: FinOps
  url: finops/method-fi-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com