Petal

Petal is a New York-based consumer fintech that issues Visa credit cards aimed at people with limited or no credit history, underwriting applicants from their bank-account cash flow (its proprietary CashScore metric) rather than a traditional credit score alone. Its Petal 1, Petal 1 Rise and Petal 2 cards are issued by WebBank, and the business is now part of the Tilt family of consumer finance brands (Tilt Card, Inc., NMLS #2295169). Petal reaches customers through iOS and Android apps plus a web dashboard and help center. It is a direct-to-consumer card issuer: as of this profile it operates no developer program, publishes no API documentation, and exposes no machine-readable API contract on any of its public hosts.

Petal is profiled on the APIs.io network. Tagged areas include Company, Financial-Services, Fintech, Credit Cards, and Consumer Finance.

Petal’s developer surface includes engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

8.1/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Financial-Services Fintech Credit Cards Consumer Finance Credit Building Lending

Kin Score

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

Composite quality — 8.1/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

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 Payments 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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/petal: 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 →

Security Posture 1

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

Petal Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

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)

aid: petal
name: Petal
description: 'Petal is a New York-based consumer fintech that issues Visa credit cards aimed at people with limited or no
  credit history, underwriting applicants from their bank-account cash flow (its proprietary CashScore metric) rather than
  a traditional credit score alone. Its Petal 1, Petal 1 Rise and Petal 2 cards are issued by WebBank, and the business is
  now part of the Tilt family of consumer finance brands (Tilt Card, Inc., NMLS #2295169). Petal reaches customers through
  iOS and Android apps plus a web dashboard and help center. It is a direct-to-consumer card issuer: as of this profile it
  operates no developer program, publishes no API documentation, and exposes no machine-readable API contract on any of its
  public hosts.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://cdn.prod.website-files.com/636a6f81a287f5628189d717/6377fffaa265e3a2b2945444_petal-og%20(1).jpg
url: https://raw.githubusercontent.com/api-evangelist/petal/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.23'
created: '2026-08-05'
modified: '2026-08-05'
tags:
- Company
- Financial-Services
- Fintech
- Credit Cards
- Consumer Finance
- Credit Building
- Lending
tags_raw:
- Company
- Financial Services
- Fintech
- Credit Cards
- Consumer Finance
- Credit Building
- Lending
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/petal-domain-security.yml
- type: Website
  url: https://www.petalcard.com/
- type: Blog
  url: https://www.petalcard.com/blog
- type: Support
  url: https://support.petalcard.com/
- type: TermsOfService
  url: https://tilt.com/terms/
- type: PrivacyPolicy
  url: https://tilt.com/privacy/
- type: LLMsTxt
  url: llms/petal-llms.txt
x-enrichment:
  date: '2026-08-05'
  status: minimal
  artifacts_added: 2
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: Petal is a direct-to-consumer Visa card issuer whose only integration surface is the private nginx origin behind
    its mobile apps at api.petalcard.com, which serves a bare 404 at every documented-spec path and is not accompanied by
    any developer portal, reference or SDK.
  evidence:
  - url: https://api.petalcard.com/openapi.json
    status: 404
  - url: https://www.petalcard.com/developers
    status: 404
  - url: https://developers.petalcard.com/
    status: 0
  - url: https://www.petalcard.com/llms.txt
    status: 404
  - url: https://www.petalcard.com/sitemap.xml
    status: 200
  checked: '2026-08-05'
x-secondary-market-listing: https://forgeglobal.com/petal_stock/
x-note-no-signup-pointer: registration.petalcard.com and dashboard.petalcard.com are CONSUMER cardholder application/account
  surfaces, not developer credential issuance; no SignUp/Login pointer is emitted so the rating is not credited a self-service
  developer sign-up that does not exist.

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