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 APIs 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.

Spade’s developer surface includes documentation, API reference, getting-started guide, support, pricing, changelog, authentication, and 30 more developer resources.

🌐 Visit website 📡 Source on GitHub

66.1/100 exemplar ▲ 11.7 Agent 47/100 agent ready Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

8 APIs 1 MCP Servers

CompanyFinancial ServicesTransaction EnrichmentMerchant IntelligencePaymentsData EnrichmentFraud and RiskFintech

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 66.1/100 · exemplar

Contract Quality 14.8 / 21

Developer Ergonomics 11.4 / 17

Commercial Clarity 13.4 / 17

Operational Transparency 9.0 / 11

Governance 2.1 / 10

Discoverability 6.9 / 9

Regulatory Posture 8.4 / 15

Agent readiness — 47/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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.

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/. This rating is computed from github.com/api-evangelist/spade: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 8

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Rate Limits 1

Documented rate limits and quota policies.

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

MCPServer

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 1

The organization behind the API

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.
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: '0.20'
created: '2026-07-17'
modified: '2026-08-14'
tags:
- Company
- Financial Services
- Transaction Enrichment
- Merchant Intelligence
- Payments
- Data Enrichment
- Fraud and Risk
- Fintech
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: 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: MCPServer
  url: mcp/spade-mcp.yml
- 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