# Spade

**Canonical:** https://apis.io/providers/spade/  
**Website:** https://docs.spade.com  
**APIs profiled:** 8

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.

## Kin Score — 66.1 / 100 (exemplar)

Scored 2026-08-17 under rubric 0.11.0. Trend: rising (+11.7 from 54.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 69.8 |
| Governance | 20.8 |
| Operational Transparency | 81.6 |
| Developer Ergonomics | 66.8 |
| Commercial Clarity | 78.9 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 46.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Contact sales — onboarding: unknown, pricing: unknown, trial: no (confidence: high).

## APIs (8)

- **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.

## MCP servers (1)

- **spade-mcp.yml**

## Agentic access (1)

- **Spade Agentic Access** — 73 operations · 51 acting

## Security (4)

- **Spade Authentication** — apiKey · 1 scheme
- **Spade Domain Security** — TLSv1.3 · HSTS · DMARC
- **Spade Vulnerability Disclosure** — Hackerone · contact published
- **Spade Trust Center** — SOC 2 Type II

## Plans (1)

- **Spade Plans Pricing**

## Tags

Company, Financial Services, Transaction Enrichment, Merchant Intelligence, Payments, Data Enrichment, Fraud and Risk, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/spade/). Scores are computed from the provider's own public artifacts under a published rubric.