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 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
58.9/100 developing ▬ flat Agent 71/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
8 APIs 1 MCP Servers
CompanyFinancial ServicesTransaction EnrichmentMerchant IntelligencePaymentsData EnrichmentFraud and RiskFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 58.9/100 · developing
Contract Quality 17.3 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 9.5 / 20
Operational Transparency 4.4 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 71/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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.

Spade Card Enrichment API

Enrich card transactions

Spade Category Action Triggers API

Register category action triggers and receive triggered actions in enrichment responses

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

Register merchant action triggers and receive triggered actions in enrichment responses

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

MCP Servers 1

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

spade-mcp.yml

MCP SERVER

Event Specifications 1

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

Spade Webhooks

ASYNCAPI

Security Posture 4

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

Spade Authentication

apiKey · 1 scheme

SECURITY

Spade Domain Security

TLSv1.2 · 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

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 4

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgentSkill
AgentSkill
 AgenticAccess
AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 DataModel
DataModel
 Webhooks
Webhooks
 Conformance
Conformance

Access & Security 6

Authentication, authorization, and security posture

Authentication
Authentication
 Compliance
Compliance
 TrustCenter
TrustCenter
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 DomainSecurity
DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support
Support
 SLA
SLA
 ChangeLog
ChangeLog
 ChangeLog
ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Source (apis.yml)

apis.yml Raw ↑ 
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: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
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: '2026-07-21'
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: 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
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 21
  pass: local-v1