Synchrony Financial

Synchrony Financial is one of the nation's premier consumer financial services companies, providing a range of credit products through programs established with retailers, manufacturers, and merchants. Synchrony offers APIs enabling partners and retailers to integrate credit applications, authorizations, payments, loyalty, and account management into their digital commerce experiences.

Synchrony Financial publishes 8 APIs on the APIs.io network, including Applications API, Decisions API, Payments API, and 5 more. Tagged areas include Financial Services, Credit, Payments, Consumer Finance, and Retail Finance.

The Synchrony Financial catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Synchrony Financial’s developer surface includes authentication, sandbox, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

47.2/100 developing ▼ -6.1 Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessEnterpriseSelf serve

9 APIs

Financial ServicesCreditPaymentsConsumer FinanceRetail Finance

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 47.2/100 · developing

Contract Quality 17.2 / 25

Developer Ergonomics 5.2 / 20

Commercial Clarity 7.9 / 20

Operational Transparency 2.7 / 13

Governance 8.3 / 12

Discoverability 6.9 / 10

Agent readiness — 31/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

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

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/synchrony-financial: 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 9

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

Rate Limits 1

Documented rate limits and quota policies.

Synchrony Financial Rate Limits

1 limits

RATE LIMITS

FinOps 1

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

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Examples 2

Example request and response payloads for these APIs.

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

PortalProducts

PortalProducts

Sandbox

Sandbox

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

JSONLDContext

JSONLDContext

Vocabulary

Vocabulary

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 2

The organization behind the API

LinkedIn

Website

Website

Source (apis.yml)

aid: synchrony-financial
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/synchrony-financial.png
name: Synchrony Financial
description: Synchrony Financial is one of the nation's premier consumer financial services companies, providing a range of
  credit products through programs established with retailers, manufacturers, and merchants. Synchrony offers APIs enabling
  partners and retailers to integrate credit applications, authorizations, payments, loyalty, and account management into
  their digital commerce experiences.
url: https://raw.githubusercontent.com/api-evangelist/synchrony-financial/refs/heads/main/apis.yml
created: '2026-05-03'
modified: '2026-05-19'
tags:
- Financial Services
- Credit
- Payments
- Consumer Finance
- Retail Finance
apis:
- aid: synchrony-financial:account-management
  name: Synchrony Account Management API
  description: The Synchrony Account Management API provides access to cardholder account information, enabling partners to
    retrieve account details, balance information, transaction history, and manage account servicing operations on behalf
    of customers.
  humanURL: https://developer.syf.com/
  baseURL: https://api.syf.com
  tags:
  - Account Management
  - Consumer Finance
  - Credit Cards
  properties:
  - type: Documentation
    url: https://developer.syf.com/
- aid: synchrony-financial:synchrony-financial-applications-api
  name: Synchrony Financial Applications API
  description: Full credit card application submissions.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Applications
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-applications-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
- aid: synchrony-financial:synchrony-financial-decisions-api
  name: Synchrony Financial Decisions API
  description: Retrieve application decisions.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Decisions
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-decisions-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
- aid: synchrony-financial:synchrony-financial-payments-api
  name: Synchrony Financial Payments API
  description: Process customer account payments.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
- aid: synchrony-financial:synchrony-financial-preapprovals-api
  name: Synchrony Financial Preapprovals API
  description: Soft-pull preapproval operations.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Preapprovals
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-preapprovals-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
- aid: synchrony-financial:synchrony-financial-preauthorizations-api
  name: Synchrony Financial Preauthorizations API
  description: Place holds on credit for future purchase completions.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Preauthorizations
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-preauthorizations-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
- aid: synchrony-financial:synchrony-financial-purchases-api
  name: Synchrony Financial Purchases API
  description: Authorize and capture purchase transactions.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Purchases
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-purchases-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
- aid: synchrony-financial:synchrony-financial-refunds-api
  name: Synchrony Financial Refunds API
  description: Process refunds and credit adjustments.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-refunds-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
- aid: synchrony-financial:synchrony-financial-reversals-api
  name: Synchrony Financial Reversals API
  description: Reverse and void transactions.
  humanURL: https://developer.syf.com/our-products/credit-authorizations
  baseURL: https://api.syf.com
  tags:
  - Reversals
  properties:
  - type: OpenAPI
    url: openapi/synchrony-financial-reversals-api-openapi.yml
  - type: Documentation
    url: https://developer.syf.com/our-products/credit-authorizations
  - type: Documentation
    url: https://developer.syf.com/our-products/quickscreen-apply
common:
- type: AgenticAccess
  url: agentic-access/synchrony-financial-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/synchrony-financial-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/synchrony-financial-domain-security.yml
- type: Authentication
  url: authentication/synchrony-financial-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/synchrony-financial
- type: Website
  url: https://www.synchrony.com
- type: DeveloperPortal
  url: https://developer.syf.com/
- type: PortalProducts
  url: https://developer.syf.com/our-products
- type: TermsOfService
  url: https://developer.syf.com/terms-of-use
- type: Sandbox
  url: https://developer.syf.com/
- type: JSONLDContext
  url: json-ld/synchrony-financial-context.jsonld
- type: Vocabulary
  url: vocabulary/synchrony-financial-vocabulary.yml
- type: Integrations
  url: https://www.synchrony.com/marketplace
features:
- Credit Authorization
- Preapproval Engine (Quickscreen)
- Mobile Credit Application (mApply)
- Account Servicing
- Loyalty and Rewards Integration
- Payment Tokens Support
- Sandbox Environment
useCases:
- Retail Credit Integration
- E-Commerce Credit Offering
- Mobile Point-of-Sale Financing
- Credit Card Transaction Processing
- Consumer Loyalty Programs
integrations:
- type: AdobeCommerce
  url: https://commercemarketplace.adobe.com/synchrony-digital-buy-magento2-module.html
- type: Plaid
  url: https://plaid.com/institutions/synchrony-bank/
solutions:
- Buy Now Pay Later
- Retail Financing
- Consumer Credit Programs
- Partner Credit Programs

Synchrony Financial

APIs 9

Open Collections 2

Pricing Plans 1

Rate Limits 1

FinOps 1

Semantic Vocabularies 1

Spectral Rules 2