Pismo

Pismo is a cloud-native issuer-processing and core-banking platform exposing REST APIs for accounts, customers, cards, authorizations, transactions, statements, and programs, plus an event stream (Kafka-backed, delivered via webhooks and cloud event buses). Acquired by Visa in January 2024, Pismo powers card issuing and digital banking for financial institutions across the Americas, Europe, and APAC.

Pismo publishes 8 API contracts indexed on the APIs.io network, including Accounts API, Authorizations API, Cards API, and 5 more. Tagged areas include Banking, Card Issuing, Payments, Fintech, and Core Banking.

The Pismo catalog on APIs.io includes 1 Spectral governance ruleset.

Pismo’s developer surface includes authentication, documentation, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

28.9/100 thin ▬ flat Agent 19/100 agent aware Front door AI 1/6 silent Heartbeat 10/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterprise

1 published contract

Banking Card Issuing Payments Fintech Core Banking Cloud-Native

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

AuthorizationsCards

GET /accounts/v1/accounts/{accountId}/authorizations POST /authorizations/v1/simulate-authorizations POST /wallet/v2/cards GET /wallet/v1/customers/{customerId}/accounts/{accountId}/cards

Banking Customer Management

BC-1300

Customers

POST /customers/v1/customers

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 28.9/100 · thin

Contract Quality 8.0 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 0.8 / 15

Operational Transparency 1.8 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 3.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 5.3 — up to +18.9 composite points
Contract Quality scores 42.5 — up to +14.4 composite points
Developer Ergonomics scores 32.1 — up to +13.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/pismo/apis.yml: open an issue on github.com/api-evangelist/pismo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 8

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

Pismo Accounts API

Core-banking account lifecycle and balances.

Pismo Authorizations API

Card-network authorizations and simulation.

Pismo Cards API

Card issuing and lifecycle.

Pismo Customers API

Customer registration and customer-account relationships.

Pismo Events API

Client webhook registration for the Pismo event stream.

Pismo Programs API

Product program configuration.

Pismo Statements API

Account statements and statement transactions.

Pismo Transactions API

Posted transactions and transaction shifts.

Scroll for all 8

Open Collections 9

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

Pismo Accounts API

OPEN COLLECTION

Pismo Accounts Authorizations API

OPEN COLLECTION

Pismo Accounts Cards API

OPEN COLLECTION

Pismo Accounts Customers API

OPEN COLLECTION

Pismo Accounts Events API

OPEN COLLECTION

Pismo Accounts Programs API

OPEN COLLECTION

Pismo Accounts Statements API

OPEN COLLECTION

Pismo Accounts Transactions API

OPEN COLLECTION

Pismo API

OPEN COLLECTION

Scroll for all 9

Pismo API pricing

Not yet checked against Pismo's own pricing page. Compiled by API Evangelist on 2026-06-21 from www.pismo.io; confirm before you rely on a figure.

Plan	Price
Platform Agreement enterprise	—

Plan details, limits and sources →

Rate limits

Requests Per Second (RPS): see provider documentation requests
Concurrency: see provider documentation concurrent requests
Access Token TTL: 3600 seconds

Compiled by API Evangelist, not yet checked against Pismo's documentation. All 4 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Pismo Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Pismo Rate Limits

4 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Pismo

SLA

FinOps 1

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

Pismo Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Pismo API Rules

63 rules · 60 errors 2 warnings 1 info

SPECTRAL

Security Posture 3

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

Pismo Authentication

http/oauth2 · 2 schemes

SECURITY

Pismo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Pismo Vulnerability Disclosure

no policy recorded

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Pismo Scopes

3 scopes · clientCredentials

3 scopes

SCOPES

Agentic Access 1

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

Pismo Agentic Access

22 operations · 9 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

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

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 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: pismo
url: https://raw.githubusercontent.com/api-evangelist/pismo/refs/heads/main/apis.yml
name: Pismo
kind: company
description: Pismo is a cloud-native issuer-processing and core-banking platform exposing REST APIs for accounts, customers,
  cards, authorizations, transactions, statements, and programs, plus an event stream (Kafka-backed, delivered via webhooks
  and cloud event buses). Acquired by Visa in January 2024, Pismo powers card issuing and digital banking for financial institutions
  across the Americas, Europe, and APAC.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/pismo.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Banking
- Card Issuing
- Payments
- Fintech
- Core Banking
- Cloud-Native
tags_raw:
- Banking
- Card Issuing
- Payments
- Fintech
- Core Banking
- Cloud Native
created: '2026-06-21'
modified: '2026-06-21'
specificationVersion: '0.23'
apis:
- aid: pismo:pismo-accounts-api
  name: Pismo Accounts API
  description: Core-banking account lifecycle and balances.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/pismo-accounts-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
- aid: pismo:pismo-authorizations-api
  name: Pismo Authorizations API
  description: Card-network authorizations and simulation.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Authorization
  tags_raw:
  - Authorizations
  properties:
  - type: OpenAPI
    url: openapi/pismo-authorizations-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
- aid: pismo:pismo-cards-api
  name: Pismo Cards API
  description: Card issuing and lifecycle.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/pismo-cards-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
- aid: pismo:pismo-customers-api
  name: Pismo Customers API
  description: Customer registration and customer-account relationships.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/pismo-customers-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
- aid: pismo:pismo-events-api
  name: Pismo Events API
  description: Client webhook registration for the Pismo event stream.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/pismo-events-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
- aid: pismo:pismo-programs-api
  name: Pismo Programs API
  description: Product program configuration.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Programs
  properties:
  - type: OpenAPI
    url: openapi/pismo-programs-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
- aid: pismo:pismo-statements-api
  name: Pismo Statements API
  description: Account statements and statement transactions.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/pismo-statements-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
- aid: pismo:pismo-transactions-api
  name: Pismo Transactions API
  description: Posted transactions and transaction shifts.
  humanURL: https://developers.pismo.io/pismo-docs/reference
  baseURL: https://api.pismo.io
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/pismo-transactions-api-openapi.yml
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/setup-overview
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference
  - type: PostmanCollection
    url: collections/pismo.postman_collection.json
  - type: OpenCollection
    url: collections/pismo.opencollection.json
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/cards-overview-1
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/simulate-authorizations
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/understanding-statements
  - type: APIReference
    url: https://developers.pismo.io/pismo-docs/reference/gettransactionbyid
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/main-solutions
  - type: Documentation
    url: https://developers.pismo.io/pismo-docs/docs/client-webhooks
common:
- type: CapabilityMap
  url: capabilities/pismo-capability-edges.yml
  name: Pismo Business Capability Map
- type: AgenticAccess
  url: agentic-access/pismo-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/pismo-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/pismo-domain-security.yml
- type: Authentication
  url: authentication/pismo-authentication.yml
- type: OAuthScopes
  url: scopes/pismo-scopes.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/pismo
- type: Website
  url: https://www.pismo.io
- type: Documentation
  url: https://developers.pismo.io
- type: Plans
  url: plans/pismo-plans-pricing.yml
- type: RateLimits
  url: rate-limits/pismo-rate-limits.yml
- type: FinOps
  url: finops/pismo-finops.yml
- url: https://www.pismo.io/blog/
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Pismo API — frequently asked questions

Does Pismo have an API?

Yes. APIs.io lists 8 APIs from Pismo, including Pismo Accounts API, Pismo Authorizations API and Pismo Cards API, and 5 more.

Is there an OpenAPI specification for the Pismo API?

Yes. APIs.io indexes 8 OpenAPI specifications for Pismo, each linked for download from this page.

How do I authenticate with the Pismo API?

Pismo uses bearer-token authentication (http/oauth2 · 2 schemes). The details are profiled on APIs.io as Pismo Authentication.

How much does the Pismo API cost?

APIs.io lists 1 pricing plan for Pismo, with each plan's price, limits and inclusions under Pricing on this page.

Is the Pismo API ready for AI agents?

Pismo has a Kin Score of 28.9 out of 100 (thin) and an Agent Readiness score of 19.0 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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