Pomelo

Pomelo (pomelo.la) is a Latin American card-issuing and embedded-finance platform. Its REST API lets fintechs and enterprises onboard users (KYC/KYB), issue physical and virtual cards, manage card accounts and balances, process and query transactions, move money with transfers and settlements, and authorize transactions in real time over a synchronous authorization webhook.

Pomelo publishes 6 API contracts indexed on the APIs.io network, including Authentication API, Card Accounts API, Cards API, and 3 more. Tagged areas include Fintech, Card Issuing, Embedded Finance, Payments, and Latin America.

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

Pomelo’s developer surface includes engineering blog, authentication, documentation, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.8/100 thin ▬ flat Agent 19/100 agent aware Front door AI 2/6 trace Heartbeat 97/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Fintech Card Issuing Embedded Finance Payments Latin America

Kin Score

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

Composite quality — 27.8/100 · thin

Contract Quality 8.6 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 0.8 / 15

Operational Transparency 1.0 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 2.9 / 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
Developer Ergonomics scores 32.1 — up to +13.6 composite points
Contract Quality scores 45.8 — 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/pomelo/apis.yml: open an issue on github.com/api-evangelist/pomelo 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
Latin American Open Finance (Brazil OFB + Pix)	standard	53.7	-	-
Argentine Fintech Registers (BCRA PSP + entities, CNV agents + PSAV, Cámara Fintech)	standard	53.7	-	-
Brazil BCB Authorized Institutions (Banco Central do Brasil register beyond Pix)	standard	53.7	-	-

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 6

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

Pomelo Authentication API

OAuth 2.0 client-credentials token issuance.

Pomelo Card Accounts API

Card account balances, activities, and movements.

Pomelo Cards API

Issuing and lifecycle of physical and virtual cards.

Pomelo Transactions API

Processed transactions, summaries, and history.

Pomelo Transfers API

Money movement and settlements across card accounts.

Pomelo Users API

Cardholder records and KYC/KYB identity verification.

Open Collections 7

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

Pomelo Authentication API

OPEN COLLECTION

Pomelo Authentication Card Accounts API

OPEN COLLECTION

Pomelo Authentication Cards API

OPEN COLLECTION

Pomelo Authentication Transactions API

OPEN COLLECTION

Pomelo Authentication Transfers API

OPEN COLLECTION

Pomelo Authentication Users API

OPEN COLLECTION

Pomelo API

OPEN COLLECTION

Scroll for all 7

Pomelo API pricing

Not yet checked against Pomelo's own pricing page. Compiled by API Evangelist on 2026-06-21 from www.pomelo.la; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Sandbox free	—
Issuing Program enterprise	—

Plan details, limits and sources →

Rate limits

API Requests: see provider documentation requests
Authorizer Response Window: card network time window milliseconds
Card Batch Size: 1000 cards

Compiled by API Evangelist, not yet checked against Pomelo's documentation. All 5 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Pomelo Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Pomelo Rate Limits

5 limits

RATE LIMITS

Service Levels 1

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

Pomelo

SLA

FinOps 1

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

Pomelo Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Pomelo API Rules

61 rules · 58 errors 2 warnings 1 info

SPECTRAL

Security Posture 2

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

Pomelo Authentication

http/oauth2 · 2 schemes

SECURITY

Pomelo Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Pomelo Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

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

Pomelo Agentic Access

20 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

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

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

Blog

Blog

LinkedIn

Website

Website

Source (apis.yml)

aid: pomelo
url: https://raw.githubusercontent.com/api-evangelist/pomelo/refs/heads/main/apis.yml
name: Pomelo
kind: company
description: Pomelo (pomelo.la) is a Latin American card-issuing and embedded-finance platform. Its REST API lets fintechs
  and enterprises onboard users (KYC/KYB), issue physical and virtual cards, manage card accounts and balances, process and
  query transactions, move money with transfers and settlements, and authorize transactions in real time over a synchronous
  authorization webhook.
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: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/pomelo.png
tags:
- Fintech
- Card Issuing
- Embedded Finance
- Payments
- Latin America
created: '2026-06-21'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: pomelo:pomelo-authentication-api
  name: Pomelo Authentication API
  description: OAuth 2.0 client-credentials token issuance.
  humanURL: https://developers.pomelo.la/en/api-reference/general/users
  baseURL: https://api.pomelo.la
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/pomelo-authentication-api-openapi.yml
  - type: Documentation
    url: https://developers.pomelo.la/guides
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/general/users
  - type: PostmanCollection
    url: collections/pomelo.postman_collection.json
  - type: OpenCollection
    url: collections/pomelo.opencollection.json
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/processing/transactions
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/processing/transactions
  - type: Documentation
    url: https://developers.pomelo.la/guides/developers/webhooks
- aid: pomelo:pomelo-card-accounts-api
  name: Pomelo Card Accounts API
  description: Card account balances, activities, and movements.
  humanURL: https://developers.pomelo.la/en/api-reference/general/users
  baseURL: https://api.pomelo.la
  tags:
  - Card Accounts
  properties:
  - type: OpenAPI
    url: openapi/pomelo-card-accounts-api-openapi.yml
  - type: Documentation
    url: https://developers.pomelo.la/guides
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/general/users
  - type: PostmanCollection
    url: collections/pomelo.postman_collection.json
  - type: OpenCollection
    url: collections/pomelo.opencollection.json
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/processing/transactions
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/processing/transactions
  - type: Documentation
    url: https://developers.pomelo.la/guides/developers/webhooks
- aid: pomelo:pomelo-cards-api
  name: Pomelo Cards API
  description: Issuing and lifecycle of physical and virtual cards.
  humanURL: https://developers.pomelo.la/en/api-reference/general/users
  baseURL: https://api.pomelo.la
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/pomelo-cards-api-openapi.yml
  - type: Documentation
    url: https://developers.pomelo.la/guides
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/general/users
  - type: PostmanCollection
    url: collections/pomelo.postman_collection.json
  - type: OpenCollection
    url: collections/pomelo.opencollection.json
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/processing/transactions
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/processing/transactions
  - type: Documentation
    url: https://developers.pomelo.la/guides/developers/webhooks
- aid: pomelo:pomelo-transactions-api
  name: Pomelo Transactions API
  description: Processed transactions, summaries, and history.
  humanURL: https://developers.pomelo.la/en/api-reference/general/users
  baseURL: https://api.pomelo.la
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/pomelo-transactions-api-openapi.yml
  - type: Documentation
    url: https://developers.pomelo.la/guides
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/general/users
  - type: PostmanCollection
    url: collections/pomelo.postman_collection.json
  - type: OpenCollection
    url: collections/pomelo.opencollection.json
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/processing/transactions
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/processing/transactions
  - type: Documentation
    url: https://developers.pomelo.la/guides/developers/webhooks
- aid: pomelo:pomelo-transfers-api
  name: Pomelo Transfers API
  description: Money movement and settlements across card accounts.
  humanURL: https://developers.pomelo.la/en/api-reference/general/users
  baseURL: https://api.pomelo.la
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/pomelo-transfers-api-openapi.yml
  - type: Documentation
    url: https://developers.pomelo.la/guides
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/general/users
  - type: PostmanCollection
    url: collections/pomelo.postman_collection.json
  - type: OpenCollection
    url: collections/pomelo.opencollection.json
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/processing/transactions
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/processing/transactions
  - type: Documentation
    url: https://developers.pomelo.la/guides/developers/webhooks
- aid: pomelo:pomelo-users-api
  name: Pomelo Users API
  description: Cardholder records and KYC/KYB identity verification.
  humanURL: https://developers.pomelo.la/en/api-reference/general/users
  baseURL: https://api.pomelo.la
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/pomelo-users-api-openapi.yml
  - type: Documentation
    url: https://developers.pomelo.la/guides
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/general/users
  - type: PostmanCollection
    url: collections/pomelo.postman_collection.json
  - type: OpenCollection
    url: collections/pomelo.opencollection.json
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/issuing/cards
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference
  - type: Documentation
    url: https://developers.pomelo.la/guides/solutions/processing/transactions
  - type: APIReference
    url: https://developers.pomelo.la/en/api-reference/cards/processing/transactions
  - type: Documentation
    url: https://developers.pomelo.la/guides/developers/webhooks
common:
- url: https://www.pomelo.la/blog
  type: Blog
- type: AgenticAccess
  url: agentic-access/pomelo-agentic-access.yml
- type: DomainSecurity
  url: security/pomelo-domain-security.yml
- type: Authentication
  url: authentication/pomelo-authentication.yml
- type: OAuthScopes
  url: scopes/pomelo-scopes.yml
- type: GitHubOrganization
  url: https://github.com/pomelo-la
- type: LinkedIn
  url: https://www.linkedin.com/company/pomelo-la
- type: Website
  url: https://www.pomelo.la
- type: Documentation
  url: https://developers.pomelo.la
- type: Plans
  url: plans/pomelo-plans-pricing.yml
- type: RateLimits
  url: rate-limits/pomelo-rate-limits.yml
- type: FinOps
  url: finops/pomelo-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Pomelo API — frequently asked questions

Does Pomelo have an API?

Yes. APIs.io lists 6 APIs from Pomelo, including Pomelo Authentication API, Pomelo Card Accounts API and Pomelo Cards API, and 3 more.

Is there an OpenAPI specification for the Pomelo API?

Yes. APIs.io indexes 6 OpenAPI specifications for Pomelo, each linked for download from this page.

How do I authenticate with the Pomelo API?

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

How much does the Pomelo API cost?

APIs.io lists 2 pricing plans for Pomelo, with each plan's price, limits and inclusions under Pricing on this page.

Is the Pomelo API ready for AI agents?

Pomelo has a Kin Score of 27.8 out of 100 (thin) and an Agent Readiness score of 19.0 (agent-aware), scored by API Evangelist on 2026-11-06.

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