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 engineering blog, support, authentication, sandbox, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

45.0/100 developing ▬ flat Agent 22/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessEnterprise

2 APIs

Financial-Services Credit Payments Consumer Finance Retail Finance

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 45.0/100 · developing

Contract Quality 11.7 / 19

Developer Ergonomics 6.8 / 15

Access Clarity 5.1 / 15

Operational Transparency 1.5 / 10

Contract Governance 2.6 / 9

Discoverability 4.7 / 8

Regulatory Posture 7.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · agent aware

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 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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/.

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 github.com/api-evangelist/synchrony-financial: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

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

Synchrony Account Management API

The Synchrony Account Management API provides access to cardholder account information, enabling partners to retrieve account details, balance information, transaction history, ...

Synchrony Financial Applications API

Full credit card application submissions.

Synchrony Financial Decisions API

Retrieve application decisions.

Synchrony Financial Payments API

Process customer account payments.

Synchrony Financial Preapprovals API

Soft-pull preapproval operations.

Synchrony Financial Preauthorizations API

Place holds on credit for future purchase completions.

Synchrony Financial Purchases API

Authorize and capture purchase transactions.

Synchrony Financial Refunds API

Process refunds and credit adjustments.

Synchrony Financial Reversals API

Reverse and void transactions.

Scroll for all 9

Open Collections 11

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

API Collection

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications API

OPEN COLLECTION

Synchrony Financial Credit Authorization API

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications Decisions API

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications Payments API

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications Preapprovals API

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications Preauthorizations API

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications Purchases API

OPEN COLLECTION

Synchrony Financial Quickscreen Apply API

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications Refunds API

OPEN COLLECTION

Synchrony Financial Credit Authorization Applications Reversals API

OPEN COLLECTION

Scroll for all 11

Pricing Plans 1

Published pricing tiers and plan structures.

Synchrony Financial Plans Pricing

1 plans

PLANS

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.

Synchrony Financial Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Synchrony Financial Context

24 classes · 2 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Synchrony Financial API Rules

5 rules · 3 warnings 2 info

SPECTRAL

Synchrony Financial API Rules

11 rules · 3 errors 7 warnings 1 info

SPECTRAL

JSON Schema 2

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

Credit Application

8 properties

JSON SCHEMA

Transaction

11 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Synchrony Financial Transaction Structure

0 properties

JSON STRUCTURE

Examples 2

Example request and response payloads for these APIs.

Synchrony Financial Credit Authorization Createpurchase Example

2 fields

EXAMPLE

Synchrony Financial Quickscreen Apply Submitpreapproval Example

2 fields

EXAMPLE

Security Posture 3

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

Synchrony Financial Authentication

http · 1 scheme

SECURITY

Synchrony Financial Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Synchrony Financial Vulnerability Disclosure

Bugcrowd

SECURITY

Agentic Access 1

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

Synchrony Financial Agentic Access

9 operations · 8 acting

AGENTIC

Resources

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 4

Authentication, authorization, and security posture

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

Blog

Blog

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: synchrony-financial
specificationVersion: '0.23'
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: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  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
tags_raw:
- 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:
  - Application
  tags_raw:
  - 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: CapabilityMap
  url: capabilities/synchrony-financial-capability-edges.yml
  name: Synchrony Financial Business Capability Map
- type: Blog
  url: https://www.synchrony.com/blog
- type: Support
  url: https://www.synchrony.com/help/faqs
- type: Security
  url: https://www.synchrony.com/s/vulnerability-disclosure
- type: PrivacyPolicy
  url: https://www.synchrony.com/legal/privacy-policy
- 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

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