Spade

Spade is a real-time transaction enrichment and merchant intelligence platform for financial services. Its API transforms raw, messy card, transfer, and universal transaction records into clean, structured, verified merchant, location, and category data with sub-50ms latency. Fintechs, banks, and card issuers use Spade for authorization decisions, rewards attribution, recurring-payment detection, risk and fraud signals, spend analytics, and category personalization, plus merchant search and account/program/user/card-scoped action triggers. Spade operates east and west US sandbox and production environments and is SOC 2 Type II certified.

Spade publishes 8 API contracts indexed on the APIs.io network, including Card Enrichment API, Category Action Triggers API, Category Personalization API, and 5 more. Tagged areas include Company, Financial Services, Transaction Enrichment, Merchant Intelligence, and Payments.

The Spade catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Spade’s developer surface includes documentation, API reference, getting-started guide, support, pricing, changelog, authentication, and 31 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

69.8/100 exemplar ▬ flat Agent 35/100 agent ready Front door AI 5/6 prominent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 4 Agent Skills

Company Financial Services Transaction EnrichmentMerchant IntelligencePayments Data EnrichmentFraud and RiskFintech A2A

What people ask Spade 8

The questions people put to an LLM, and the jobs they hand an agent, that Spade's APIs answer — each one linked to the operation that does it. Generated by API Evangelist

Spade Category Action Triggers API Check account-wide category trigger status “Have my account-wide category action triggers finished registering yet?” Replace account-wide category triggers “How do I flag every transaction in a spending category across my whole account with Spade?” Add or remove individual account category triggers “Can I add one category trigger to my account without resending the whole list?” Clear all account-wide category triggers “How do I wipe every category trigger set at the account level?”

Spade Category Personalization API List default and custom integration categories “What spending categories does Spade use by default, plus the ones I've added?” Create a custom integration-level category “How do I add my own spending category that every user of my integration sees?” Delete all custom integration-level categories “How do I remove every custom category I created for my integration at once?” Delete one custom integration-level category “How do I delete a single integration-wide custom category by its ID?”

Spade Merchant Action Triggers API Check account-wide merchant trigger status “Has my account-wide merchant trigger registration finished processing?” Replace account-wide merchant triggers “How do I flag transactions at specific merchants for all users in my Spade account?” Add or remove individual account merchant triggers “Can I add a few merchants to my account triggers without resending the whole list?” Clear all account-wide merchant triggers “How do I remove every merchant trigger registered at the account level?”

Spade Card Enrichment API Enrich a single card transaction “How do I turn a raw card swipe into a clean merchant name, logo and category with Spade?” Enrich a card transaction from a raw DE43 field “Can I send the unparsed DE43 field instead of splitting out merchant name and city myself?” Check the synchronous cap for card batch enrichment “What is the current synchronousMax for enriching card transaction batches inline?” Submit a batch of card transactions for enrichment “How do I enrich thousands of card transactions in one job instead of one at a time?”

Spade Feedback and Reporting API Report an incorrect card enrichment “How do I tell Spade an enriched card transaction got the wrong merchant or category?” Report a chargeback on an enriched transaction “How do I let Spade know a cardholder disputed a transaction with a chargeback?” Report a card decline on an enriched transaction “How do I send Spade the decline code when a card authorization is refused?” Report a refund on an enriched transaction “How do I tell Spade a merchant refunded a transaction it already enriched?”

Spade Transfer Enrichment API Enrich a single ACH or wire transfer “How do I identify who's behind an ACH deposit or wire transfer description?” Check the synchronous cap for transfer batches “What is the current synchronousMax for enriching transfer batches inline?” Submit a batch of transfers for enrichment “How do I enrich a large file of ACH and wire transfers in one job?” Get results of a transfer enrichment batch “How do I download the enriched transfers once my batch job is done?”

Spade Universal Enrichment API Enrich a transaction of any type “Can I enrich aggregator, card and ACH transactions through one endpoint without knowing the type?” Check the synchronous cap for universal batches “What is the current synchronousMax for universal enrichment batches?” Submit a batch of mixed transactions for enrichment “How do I enrich a large mixed set of bank and card transactions in a single job?” Get results of a universal enrichment batch “How do I retrieve enriched transactions from a finished universal batch?”

Spade Merchant Search API Look up detailed merchant information by name “How do I get full details on a merchant that shows up as a counterparty in my enrichments?” Autocomplete merchant names with logos “How can I power a merchant autocomplete box with names, logos and websites?”

Kin Score

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

Composite quality — 69.8/100 · exemplar

Contract Quality 12.1 / 19

Developer Ergonomics 10.4 / 15

Access Clarity 11.8 / 15

Operational Transparency 8.0 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.8 / 15

Create-or-Update Ergonomics 1.1 / 10

Agent readiness — 35/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs

4 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 64.7 — up to +8.8 composite points
Contract Governance scores 31.8 — up to +8.2 composite points
Developer Ergonomics scores 69.0 — up to +6.2 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/spade/apis.yml: open an issue on github.com/api-evangelist/spade 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 →

Standards implemented 3

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.

Agent2Agent

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Agent Skills

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

APIs 8

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

Spade Card Enrichment API

Enrich card transactions

Spade Category Action Triggers API

Spade Category Personalization API

Create custom categories and personalize enrichments

Spade Feedback and Reporting API

Provide feedback on card events or report enrichment errors

Spade Merchant Action Triggers API

Spade Merchant Search API

Search for Spade merchants

Spade Transfer Enrichment API

Enrich transfers

Spade Universal Enrichment API

The Universal Enrichment API from Spade — 3 operation(s) for universal enrichment.

Scroll for all 8

Open Collections 8

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

Spade Card Enrichment API

OPEN COLLECTION

Spade Card Enrichment Category Action Triggers API

OPEN COLLECTION

Spade Card Enrichment Category Personalization API

OPEN COLLECTION

Spade Card Enrichment Feedback and Reporting API

OPEN COLLECTION

Spade Card Enrichment Merchant Action Triggers API

OPEN COLLECTION

Spade Card Enrichment Merchant Search API

OPEN COLLECTION

Spade Card Enrichment Transfer Enrichment API

OPEN COLLECTION

Spade Card Enrichment Universal Enrichment API

OPEN COLLECTION

Scroll for all 8

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

Batch-enrich transactions with Spade

AGENT SKILL

Enrich a card transaction with Spade

AGENT SKILL

Search Spade's merchant database

AGENT SKILL

Spade

AGENT SKILL

Spade API pricing

Prices published by Spade.

Plan	Price
Essentials	—
Advanced	—
Enterprise	—

Plan details, limits and sources →

Rate limits

: 1000 5 minutes
: 10 1 second
: rolling 12 hours

All 4 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Spade Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Spade 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.

Spade

SLA

FinOps 1

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

Spade Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Spade Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Spade API Rules

57 rules · 44 errors 9 warnings 4 info

SPECTRAL

OpenAPI Overlays 9

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Spade Card Enrichment Api Phrasing Overlay

11 actions · phrasing · spade-card-enrichment-api-openapi.yml

GENERATED

Spade Category Action Triggers Api Phrasing Overlay

17 actions · phrasing · spade-category-action-triggers-api-openapi.yml

GENERATED

Spade Category Personalization Api Phrasing Overlay

17 actions · phrasing · spade-category-personalization-api-openapi.yml

GENERATED

Spade Feedback And Reporting Api Phrasing Overlay

6 actions · phrasing · spade-feedback-and-reporting-api-openapi.yml

GENERATED

Spade Merchant Action Triggers Api Phrasing Overlay

17 actions · phrasing · spade-merchant-action-triggers-api-openapi.yml

GENERATED

Spade Merchant Search Api Phrasing Overlay

3 actions · phrasing · spade-merchant-search-api-openapi.yml

GENERATED

Spade Openapi Overlay

3 actions · update · spade-openapi-original.yml

DERIVED

Spade Transfer Enrichment Api Phrasing Overlay

6 actions · phrasing · spade-transfer-enrichment-api-openapi.yml

GENERATED

Spade Universal Enrichment Api Phrasing Overlay

5 actions · phrasing · spade-universal-enrichment-api-openapi.yml

GENERATED

Scroll for all 9

Security Posture 4

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

Spade Authentication

apiKey · 1 scheme

SECURITY

Spade Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Spade Vulnerability Disclosure

Hackerone · contact published

SECURITY

Spade Trust Center

SOC 2 Type II

SECURITY

Agentic Access 1

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

Spade Agentic Access

73 operations · 51 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

AgentSkill

AgenticAccess

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

DataModel

Webhooks

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

Postman

Postman

Access & Security 6

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Operate 6

Status, limits, changes, and where to get help

Support

SLA

ChangeLog

ChangeLog

StatusPage

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

APICatalog

APICatalog

AgentCard

AgentCard

Source (apis.yml)

aid: spade
name: Spade
description: Spade is a real-time transaction enrichment and merchant intelligence platform for financial services. Its API
  transforms raw, messy card, transfer, and universal transaction records into clean, structured, verified merchant, location,
  and category data with sub-50ms latency. Fintechs, banks, and card issuers use Spade for authorization decisions, rewards
  attribution, recurring-payment detection, risk and fraud signals, spend analytics, and category personalization, plus merchant
  search and account/program/user/card-scoped action triggers. Spade operates east and west US sandbox and production environments
  and is SOC 2 Type II certified.
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: contact-sales
  onboarding: sales-gated
  trial: false
  try_now: false
  public: false
  label: Contact sales
  confidence: high
  source:
  - https://www.spade.com/pricing
  - https://docs.spade.com/reference/integrate-with-spades-api
  note: 'CORRECTED 2026-08-14 (was onboarding: self-serve, derived). There is no self-serve signup: sandbox and production
    API keys are issued by a Spade representative, the pricing page publishes no prices (three named tiers all rendering a
    "$00.00" placeholder with lorem-ipsum descriptions) and every "Start now" control links to `/#`. app.spade.com and dashboard.spade.com
    do not resolve. See plans/spade-plans-pricing.yml.'
  generated: '2026-08-14'
  method: searched
image: https://spadewp.wpenginepowered.com/wp-content/uploads/2025/07/OpenGraph.webp
url: https://raw.githubusercontent.com/api-evangelist/spade/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: profiled
x-tier-reason: enriched-from-live-api
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-08-14'
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Financial Services
- Transaction Enrichment
- Merchant Intelligence
- Payments
- Data Enrichment
- Fraud and Risk
- Fintech
- A2A
tags_raw:
- Company
- Financial Services
- Transaction Enrichment
- Merchant Intelligence
- Payments
- Data Enrichment
- Fraud and Risk
- Fintech
- Financial-Services
- A2A
apis:
- aid: spade:spade-card-enrichment-api
  name: Spade Card Enrichment API
  description: Enrich card transactions
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Card Enrichment
  properties:
  - type: OpenAPI
    url: openapi/spade-card-enrichment-api-openapi.yml
- aid: spade:spade-category-action-triggers-api
  name: Spade Category Action Triggers API
  description: Register category action triggers and receive triggered actions in enrichment responses
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Category Action Triggers
  properties:
  - type: OpenAPI
    url: openapi/spade-category-action-triggers-api-openapi.yml
- aid: spade:spade-category-personalization-api
  name: Spade Category Personalization API
  description: Create custom categories and personalize enrichments
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Category Personalization
  properties:
  - type: OpenAPI
    url: openapi/spade-category-personalization-api-openapi.yml
- aid: spade:spade-feedback-and-reporting-api
  name: Spade Feedback and Reporting API
  description: Provide feedback on card events or report enrichment errors
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Feedback and Reporting
  properties:
  - type: OpenAPI
    url: openapi/spade-feedback-and-reporting-api-openapi.yml
- aid: spade:spade-merchant-action-triggers-api
  name: Spade Merchant Action Triggers API
  description: Register merchant action triggers and receive triggered actions in enrichment responses
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Merchant Action Triggers
  properties:
  - type: OpenAPI
    url: openapi/spade-merchant-action-triggers-api-openapi.yml
- aid: spade:spade-merchant-search-api
  name: Spade Merchant Search API
  description: Search for Spade merchants
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Merchant Search
  properties:
  - type: OpenAPI
    url: openapi/spade-merchant-search-api-openapi.yml
- aid: spade:spade-transfer-enrichment-api
  name: Spade Transfer Enrichment API
  description: Enrich transfers
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Transfer Enrichment
  properties:
  - type: OpenAPI
    url: openapi/spade-transfer-enrichment-api-openapi.yml
- aid: spade:spade-universal-enrichment-api
  name: Spade Universal Enrichment API
  description: The Universal Enrichment API from Spade — 3 operation(s) for universal enrichment.
  humanURL: https://docs.spade.com/api-reference/introduction
  baseURL: https://east.api.spade.com
  tags:
  - Universal Enrichment
  properties:
  - type: OpenAPI
    url: openapi/spade-universal-enrichment-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.spade.com/
- type: Overlay
  url: overlays/spade-openapi-overlay.yaml
- type: DeveloperPortal
  url: https://docs.spade.com
- type: Documentation
  url: https://docs.spade.com
- type: APIReference
  url: https://docs.spade.com/api-reference/introduction
- type: GettingStarted
  url: https://docs.spade.com/reference/integrate-with-spades-api
- type: Support
  url: https://www.spade.com/contact
- type: Pricing
  url: https://www.spade.com/pricing
- type: TermsOfService
  url: https://www.spade.com/terms
- type: PrivacyPolicy
  url: https://www.spade.com/privacy
- type: SLA
  url: https://www.spade.com/sla
- type: ChangeLog
  url: https://docs.spade.com/changelog/changelog
- type: ChangeLog
  url: changelog/spade-changelog.yml
- type: Authentication
  url: authentication/spade-authentication.yml
- type: Conventions
  url: conventions/spade-conventions.yml
- type: Sandbox
  url: sandbox/spade-sandbox.yml
- type: ErrorCatalog
  url: errors/spade-problem-types.yml
- type: Lifecycle
  url: lifecycle/spade-lifecycle.yml
- type: DataModel
  url: data-model/spade-data-model.yml
- type: LLMsTxt
  url: llms/spade-llms.txt
- type: X-MCPServerCandidate
  url: mcp/spade-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/spade-webhooks.yml
- type: AgenticAccess
  url: agentic-access/spade-agentic-access.yml
- type: Conformance
  url: conformance/spade-conformance.yml
- type: Compliance
  url: https://www.spade.com/security
- type: TrustCenter
  url: security/spade-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/spade-vulnerability-disclosure.yml
- type: Security
  url: https://www.spade.com/security
- type: DomainSecurity
  url: security/spade-domain-security.yml
- type: StatusPage
  url: https://status.spadeapi.com
- type: Blog
  url: https://blog.spade.com
- type: Postman
  url: https://app.getpostman.com/run-collection/45578594-3ac97973-91ba-4d95-ad07-c058a347bddc
- type: WellKnown
  url: well-known/spade-well-known.yml
- type: APICatalog
  url: well-known/spade-api-catalog.json
- type: AgentCard
  url: a2a/spade-a2a.yml
- type: RateLimits
  url: rate-limits/spade-rate-limits.yml
- type: Plans
  url: plans/spade-plans-pricing.yml
x-enrichment:
  date: '2026-08-14'
  status: enriched
  artifacts_added: 9
  pass: local-v1
x-a2a:
  verified: true
  probed: '2026-09-26'
  url: https://docs.spade.com/.well-known/agent-card.json
  grade: conformant
  protocol_version: '0.3'
  control: 404

Spade API — frequently asked questions

Does Spade have an API?

Yes. APIs.io lists 8 APIs from Spade, including Spade Card Enrichment API, Spade Category Action Triggers API and Spade Category Personalization API, and 5 more.

Is there an OpenAPI specification for the Spade API?

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

How do I authenticate with the Spade API?

Spade uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Spade Authentication.

How much does the Spade API cost?

APIs.io lists 3 pricing plans for Spade, with each plan's price, limits and inclusions under Pricing on this page.

Is the Spade API ready for AI agents?

Spade has a Kin Score of 69.8 out of 100 (exemplar) and an Agent Readiness score of 34.6 (agent-ready), scored by API Evangelist on 2026-11-06.

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