Salt Edge

Salt Edge is a global open-banking aggregator providing account information, payment initiation, data enrichment, merchant identification, AML transaction monitoring, and open-banking compliance solutions across 5,000+ banks. The Salt Edge API exposes Account Information (AIS) and Payment Initiation (PIS) services plus add-on Data Enrichment and AML endpoints under a single REST surface.

Salt Edge publishes 13 API contracts indexed on the APIs.io network, including Accounts API, Connect Sessions API, Connections API, and 10 more. Tagged areas include Fintech, Open Banking, PSD2, Aggregator, and Global.

The Salt Edge catalog on APIs.io includes 1 Spectral governance ruleset.

Salt Edge’s developer surface includes authentication, engineering blog, developer portal, documentation, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

26.9/100 thin ▬ flat Agent 22/100 agent aware Front door AI 1/6 silent Heartbeat 96/100 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 Open Banking PSD2 Aggregator Global AISP PISP Compliance AML Data Aggregation

What this lets a business do 1

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

Banking Customer Management

BC-1300

CustomersHolder Info

POST /customers GET /holder_info

Kin Score

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

Composite quality — 26.9/100 · thin

Contract Quality 8.6 / 19

Developer Ergonomics 5.0 / 15

Access Clarity 1.2 / 15

Operational Transparency 1.0 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 1.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · 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 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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

9 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 7.9 — up to +18.4 composite points
Contract Quality scores 45.7 — up to +13.6 composite points
Developer Ergonomics scores 33.3 — up to +13.3 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/salt-edge/apis.yml: open an issue on github.com/api-evangelist/salt-edge 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
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	36.4 (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 1

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)

APIs 13

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

Salt Edge Account Information API

REST API for retrieving end-user accounts, transactions, balances, and identity across 5,000+ banks worldwide.

Salt Edge Payment Initiation API

Initiate single, recurring, and bulk SEPA / domestic payments via PSD2 PISP.

Salt Edge Partners (Compliance Solution) API

APIs for banks adopting open banking - exposes their data to TPPs through Salt Edge's compliance gateway.

Salt Edge Data Enrichment API

Categorize and enrich transactions, identify merchants, and surface financial insights.

Salt Edge Accounts API

The Accounts API from Salt Edge — 1 operation(s) for accounts.

Salt Edge Connect Sessions API

The Connect Sessions API from Salt Edge — 1 operation(s) for connect sessions.

Salt Edge Connections API

The Connections API from Salt Edge — 4 operation(s) for connections.

Salt Edge Consents API

The Consents API from Salt Edge — 2 operation(s) for consents.

Salt Edge Countries API

The Countries API from Salt Edge — 1 operation(s) for countries.

Salt Edge Customers API

The Customers API from Salt Edge — 2 operation(s) for customers.

Salt Edge Holder Info API

The Holder Info API from Salt Edge — 1 operation(s) for holder info.

Salt Edge Providers API

The Providers API from Salt Edge — 2 operation(s) for providers.

Salt Edge Transactions API

The Transactions API from Salt Edge — 1 operation(s) for transactions.

Scroll for all 13

Open Collections 10

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

Salt Edge Account Information Accounts API

OPEN COLLECTION

Salt Edge Account Information Accounts Connect Sessions API

OPEN COLLECTION

Salt Edge Account Information Accounts Connections API

OPEN COLLECTION

Salt Edge Account Information Accounts Consents API

OPEN COLLECTION

Salt Edge Account Information Accounts Countries API

OPEN COLLECTION

Salt Edge Account Information Accounts Customers API

OPEN COLLECTION

Salt Edge Account Information Accounts Holder Info API

OPEN COLLECTION

Salt Edge Account Information Accounts Providers API

OPEN COLLECTION

Salt Edge Account Information Accounts Transactions API

OPEN COLLECTION

Salt Edge Account Information API

OPEN COLLECTION

Scroll for all 10

Salt Edge API pricing

Not yet checked against Salt Edge's own pricing page. Compiled by API Evangelist on 2026-05-08 from www.saltedge.com/pricing; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Sandbox / Developer trial	Free
Account Information (Production) enterprise	—
Payment Initiation (Production) enterprise	—
Compliance Solution enterprise	—

Plan details, limits and sources →

Rate limits

Sandbox per-minute: 60 requests per minute
Production per-minute: unlimited requests per minute
PSD2 SCA refresh per user: 4 refreshes per day

Compiled by API Evangelist, not yet checked against Salt Edge's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Salt Edge Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Salt Edge Rate Limits

3 limits

RATE LIMITS

Service Levels 1

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

Salt Edge

SLA

FinOps 1

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

Salt Edge Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Salt Edge API Rules

55 rules · 53 errors 1 warnings 1 info

SPECTRAL

Security Posture 2

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

Salt Edge Authentication

apiKey · 4 schemes

SECURITY

Salt Edge Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Salt Edge Agentic Access

18 operations · 8 acting · 1 human-in-the-loop

18 operations · 8 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Portal

Portal

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 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: salt-edge
url: https://raw.githubusercontent.com/api-evangelist/salt-edge/refs/heads/main/apis.yml
name: Salt Edge
kind: company
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/salt-edge.png
tags:
- Fintech
- Open Banking
- PSD2
- Aggregator
- Global
- AISP
- PISP
- Compliance
- AML
- Data Aggregation
created: '2026-05-08'
modified: '2026-05-08'
specificationVersion: '0.23'
description: Salt Edge is a global open-banking aggregator providing account information, payment initiation, data enrichment,
  merchant identification, AML transaction monitoring, and open-banking compliance solutions across 5,000+ banks. The Salt
  Edge API exposes Account Information (AIS) and Payment Initiation (PIS) services plus add-on Data Enrichment and AML endpoints
  under a single REST surface.
apis:
- aid: salt-edge:account-information-api
  name: Salt Edge Account Information API
  tags:
  - PSD2
  - AISP
  - Account Information
  - Aggregation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://www.saltedge.com/api/v5
  humanURL: https://docs.saltedge.com/account_information/v5/
  description: REST API for retrieving end-user accounts, transactions, balances, and identity across 5,000+ banks worldwide.
  properties:
  - type: Documentation
    url: https://docs.saltedge.com/account_information/v5/
  x-features:
  - 5,000+ banks across EU, UK, US, APAC, LATAM
  - Accounts, transactions, balances, holder identity
  - PSD2 AISP-licensed
  x-use-cases:
  - PFM and budgeting
  - Lending decisioning
  - KYC enrichment
- aid: salt-edge:payment-initiation-api
  name: Salt Edge Payment Initiation API
  tags:
  - PSD2
  - PISP
  - Payment Initiation
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://www.saltedge.com/api/v5/payments
  humanURL: https://docs.saltedge.com/payment_initiation/v5/
  description: Initiate single, recurring, and bulk SEPA / domestic payments via PSD2 PISP.
  properties:
  - type: Documentation
    url: https://docs.saltedge.com/payment_initiation/v5/
  x-features:
  - Single, recurring, bulk payments
  - PSD2 PISP-licensed
  x-use-cases:
  - Pay-by-bank checkout
  - Payouts
- aid: salt-edge:partners-api
  name: Salt Edge Partners (Compliance Solution) API
  tags:
  - Compliance
  - Open Banking Compliance
  - Software-as-a-Service
  tags_raw:
  - Compliance
  - Open Banking Compliance
  - SaaS
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://www.saltedge.com/api/partners/v1
  humanURL: https://docs.saltedge.com/compliance_solution/
  description: APIs for banks adopting open banking - exposes their data to TPPs through Salt Edge's compliance gateway.
  properties:
  - type: Documentation
    url: https://docs.saltedge.com/compliance_solution/
  x-features:
  - Open Banking compliance gateway
  - TPP verification
  - Mobile SCA
  x-use-cases:
  - Bank-side PSD2 compliance
  - Open Banking enablement
- aid: salt-edge:data-enrichment-api
  name: Salt Edge Data Enrichment API
  tags:
  - Data Enrichment
  - Categorization
  - Merchants
  tags_raw:
  - Data Enrichment
  - Categorization
  - Merchant
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://www.saltedge.com/api/data_enrichment/v1
  humanURL: https://docs.saltedge.com/data_enrichment/
  description: Categorize and enrich transactions, identify merchants, and surface financial insights.
  properties:
  - type: Documentation
    url: https://docs.saltedge.com/data_enrichment/
  x-features:
  - Transaction categorization
  - Merchant identification
  - Financial insights
  x-use-cases:
  - PFM enrichment
  - Lending insights
- aid: salt-edge:salt-edge-accounts-api
  name: Salt Edge Accounts API
  description: The Accounts API from Salt Edge — 1 operation(s) for accounts.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-accounts-api-openapi.yml
- aid: salt-edge:salt-edge-connect-sessions-api
  name: Salt Edge Connect Sessions API
  description: The Connect Sessions API from Salt Edge — 1 operation(s) for connect sessions.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Connect Sessions
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-connect-sessions-api-openapi.yml
- aid: salt-edge:salt-edge-connections-api
  name: Salt Edge Connections API
  description: The Connections API from Salt Edge — 4 operation(s) for connections.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Connections
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-connections-api-openapi.yml
- aid: salt-edge:salt-edge-consents-api
  name: Salt Edge Consents API
  description: The Consents API from Salt Edge — 2 operation(s) for consents.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Consents
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-consents-api-openapi.yml
- aid: salt-edge:salt-edge-countries-api
  name: Salt Edge Countries API
  description: The Countries API from Salt Edge — 1 operation(s) for countries.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Countries
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-countries-api-openapi.yml
- aid: salt-edge:salt-edge-customers-api
  name: Salt Edge Customers API
  description: The Customers API from Salt Edge — 2 operation(s) for customers.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-customers-api-openapi.yml
- aid: salt-edge:salt-edge-holder-info-api
  name: Salt Edge Holder Info API
  description: The Holder Info API from Salt Edge — 1 operation(s) for holder info.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Holder Info
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-holder-info-api-openapi.yml
- aid: salt-edge:salt-edge-providers-api
  name: Salt Edge Providers API
  description: The Providers API from Salt Edge — 2 operation(s) for providers.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Providers
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-providers-api-openapi.yml
- aid: salt-edge:salt-edge-transactions-api
  name: Salt Edge Transactions API
  description: The Transactions API from Salt Edge — 1 operation(s) for transactions.
  humanURL: https://docs.saltedge.com/account_information/v5/
  baseURL: https://www.saltedge.com/api/v5
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/salt-edge-transactions-api-openapi.yml
common:
- type: Website
  url: https://www.saltedge.com/
- type: CapabilityMap
  url: capabilities/salt-edge-capability-edges.yml
  name: Salt Edge Business Capability Map
- type: AgenticAccess
  url: agentic-access/salt-edge-agentic-access.yml
- type: DomainSecurity
  url: security/salt-edge-domain-security.yml
- type: Authentication
  url: authentication/salt-edge-authentication.yml
- url: https://blog.saltedge.com/feed
  type: Blog
- type: GitHubOrganization
  url: https://github.com/saltedge
- type: LinkedIn
  url: https://www.linkedin.com/company/salt-edge
- type: Portal
  url: https://www.saltedge.com/
- type: Documentation
  url: https://docs.saltedge.com/
- type: Pricing
  url: https://www.saltedge.com/pricing
- type: Plans
  url: plans/salt-edge-plans-pricing.yml
- type: RateLimits
  url: rate-limits/salt-edge-rate-limits.yml
- type: FinOps
  url: finops/salt-edge-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Salt Edge API — frequently asked questions

Does Salt Edge have an API?

Yes. APIs.io lists 13 APIs from Salt Edge, including Salt Edge Account Information API, Salt Edge Payment Initiation API and Salt Edge Partners (Compliance Solution) API, and 10 more.

Is there an OpenAPI specification for the Salt Edge API?

Yes. APIs.io indexes 9 OpenAPI specifications for Salt Edge, each linked for download from this page.

How do I authenticate with the Salt Edge API?

Salt Edge uses bearer-token authentication (apiKey · 4 schemes). The details are profiled on APIs.io as Salt Edge Authentication.

How much does the Salt Edge API cost?

APIs.io lists 4 pricing plans for Salt Edge, with each plan's price, limits and inclusions under Pricing on this page.

Is the Salt Edge API ready for AI agents?

Salt Edge has a Kin Score of 26.9 out of 100 (thin) and an Agent Readiness score of 22.4 (agent-aware), scored by API Evangelist on 2026-11-06.

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