# MethodFi

**Canonical:** https://apis.io/providers/methodfi/  
**Website:** https://methodfi.com  
**APIs profiled:** 42

Method (Method Financial) is the infrastructure layer for consumer liability data and payments. Its API lets developers create entities, verify identity, and use Connect to discover a user's complete liability picture across 15,000+ institutions (credit cards, auto loans, student loans, mortgages, personal loans) without credential sharing, then normalize that data and move money via ACH to pay down those liabilities. Additional products include credit scores, card-brand enrichment, financial attributes, transactions, updates/subscriptions for monitoring, reports, and embeddable UI (Opal/Elements). Method powers lending, personal finance management, and commerce/card-linking use cases.

## Kin Score — 66.7 / 100 (exemplar)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 66.7).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 74.5 |
| Governance | 20.8 |
| Operational Transparency | 84.2 |
| Developer Ergonomics | 71.2 |
| Commercial Clarity | 78.9 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 53.8 (agent-native)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (42)

- **MethodFi Account Attributes API** — Attribute data for accounts
- **MethodFi Account Balances API** — Balance data for accounts
- **MethodFi Account Card Brands API** — Card brand information for accounts
- **MethodFi Account Consent API** — Consent management for accounts
- **MethodFi Account Payment Instruments API** — Payment instruments for accounts
- **MethodFi Account Payoffs API** — Payoff data for accounts
- **MethodFi Account Products API** — Products associated with accounts
- **MethodFi Account Sensitive API** — Sensitive data for accounts
- **MethodFi Account Subscriptions API** — Subscriptions for accounts
- **MethodFi Account Transactions API** — Transactions for accounts
- **MethodFi Account Updates API** — Update records for accounts
- **MethodFi Account Verification Sessions API** — Verification sessions for accounts
- **MethodFi Accounts API** — Financial accounts (ACH, liability, clearing, debit card)
- **MethodFi Card Products API** — Card product definitions
- **MethodFi Elements API** — Client-side Element endpoints
- **MethodFi Entities API** — Individuals, corporations, and receive-only entities
- **MethodFi Entity Attributes API** — Attribute data for entities
- **MethodFi Entity Connects API** — Account connection sessions for entities
- **MethodFi Entity Consent API** — Consent management for entities
- **MethodFi Entity Credit Scores API** — Credit score data for entities
- **MethodFi Entity Identities API** — Identity verification data for entities
- **MethodFi Entity Products API** — Products associated with entities
- **MethodFi Entity Subscriptions API** — Subscriptions for entities
- **MethodFi Entity Vehicles API** — Vehicle data for entities
- **MethodFi Entity Verification Sessions API** — Verification sessions for entities
- **MethodFi Events API** — Webhook event log
- **MethodFi Forwarding Requests API** — Request forwarding with sensitive data injection
- **MethodFi Managed Accounts API** — Method-managed accounts
- **MethodFi Merchants API** — Merchant directory
- **MethodFi Opal API** — Opal client-side session and token management
- **MethodFi Payment Reversals API** — Reversals for payments
- **MethodFi Payments API** — ACH and clearing payments
- **MethodFi Ping API** — Health check endpoint
- **MethodFi Public Keys API** — Public key discovery endpoints for Message-Level Encryption.
- **MethodFi Reports API** — Downloadable reports
- **MethodFi Secrets API** — Secure secret storage
- **MethodFi Simulate Accounts API** — Sandbox account simulation
- **MethodFi Simulate Entities API** — Sandbox entity simulation
- **MethodFi Simulate Events API** — Sandbox event simulation
- **MethodFi Simulate Payments API** — Sandbox payment simulation
- …and 2 more, listed in full on the page.

## MCP servers (1)

- **methodfi-mcp.yml**

## Agentic access (1)

- **Methodfi Agentic Access** — 128 operations · 55 acting

## Security (3)

- **Methodfi Authentication** — http · 2 schemes
- **Methodfi Domain Security** — TLSv1.2 · DMARC
- **Methodfi Trust Center** — SOC 2, PCI DSS

## Plans (1)

- **Methodfi Plans Pricing**

## Tags

Company, Fintech, Liability Data, Payments, Lending, Personal Finance, Credit, ACH, Debt, Identity Verification

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