Synctera
Synctera is a Banking-as-a-Service platform connecting fintechs to a network of sponsor banks. Provides REST APIs for personal/business customers, accounts, cards, internal transfers, payment schedules, ACH payments, mRDC, KYC/KYB verification, document verification, and disclosures.
Synctera publishes 28 APIs on the APIs.io network, including Accounts API, ACH API, Applications API, and 25 more. Tagged areas include FinTech, BaaS, Banking, Payments, and Card Issuing.
The Synctera catalog on APIs.io includes 1 Spectral governance ruleset.
Synctera’s developer surface includes authentication and 9 more developer resources.
36.9/100
thin
▬ flat
Agent
31/100
agent aware
AccessFreemiumSelf serve⚡ Free to try
29 APIs
FinTechBaaSBankingPaymentsCard IssuingKYC
Kin Score
Kin Score
How this is scored →scored 2026-08-05 · rubric v0.9.1
Composite quality — 36.9/100 · thin
Contract Quality
15.0 / 25
Developer Ergonomics
2.2 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
7.0 / 12
Discoverability
7.4 / 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/synctera: open an issue to ask a question, or submit a pull request to add artifacts.
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APIs 29
Individual APIs this provider publishes, each with its own machine-readable definition.
Synctera Webhooks
Outbound HTTP webhook delivery for customer, account, card, transaction, and payment events.
Synctera Accounts API
Request to create and manage accounts
Synctera ACH API
Create and manage payments
Synctera Applications API
Create a credit application.
Synctera Businesses API
A legal entity (corporation, partnership, etc.) that is relevant to the Synctera platform in some way: a business customer or some other organization that has an ownership share...
Synctera Card Transaction Simulations API
Requests to generate simulated transactions
Synctera Card Webhook Simulations API
Requests to generate simulated webhooks
Synctera Cards API
Requests to issue and manage cards
Synctera Customers API
Requests to create and manage customers
Synctera Digital Wallet Tokens API
The Digital Wallet Tokens API from Synctera — 4 operation(s) for digital wallet tokens.
Synctera Disclosures API
The disclosures resource is used to track the status of disclosures and ensure that all parties have been shown the necessary disclosures to meet regulatory obligations.
Synctera Documents (alpha) API
The Documents (alpha) API from Synctera — 3 operation(s) for documents (alpha).
Synctera External Accounts API
The External Account resource is used for managing links to accounts that operate outside of the Synctera ecosystem.
Synctera External Cards (alpha) API
Push and pull from cards
Synctera Internal Accounts API
The internal account resource is used for managing links to internal accounts where the funds are managed by integrators.
Synctera KYC/KYB Verifications API
Requests to initiate customer verification.
Synctera KYC Verification API
Requests to initiate customer verification.
Synctera Monitoring API
Requests to manage monitoring subscriptions and alerts for customers.
Synctera PaymentSchedules API
The PaymentSchedules API from Synctera — 3 operation(s) for paymentschedules.
Synctera Persons API
A natural person (individual human) that is relevant to the Synctera platform in some way: e.g. a personal customer or a director/officer/owner of a business.
Synctera Reconciliations API
Requests to create and manage reconciliation
Synctera Relationships API
Represents the relationships between parties. A relationship can exist between personal customers, business customers, or non-customer persons/organizations.
Synctera Remote Check Deposit (beta) API
The Remote Check Deposit (beta) API from Synctera — 2 operation(s) for remote check deposit (beta).
Synctera Sandbox Wipe (alpha) API
The Sandbox Wipe (alpha) API from Synctera — 1 operation(s) for sandbox wipe (alpha).
Synctera Statements API
The Statements API from Synctera — 2 operation(s) for statements.
Synctera Transactions API
Create and manage transactions
Synctera Watchlist API
Request to enroll, renew, or cancel watchlist monitors
Synctera Webhooks API
Requests to create and manage webhooks
Synctera Wires (alpha) API
Create and manage wire transfers
Scroll for all 29
Open Collections 1
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Synctera API
OPEN COLLECTIONPricing Plans 1
Published pricing tiers and plan structures.
Rate Limits 1
Documented rate limits and quota policies.
Synctera Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals for API financial operations.
Synctera Finops
FINOPSSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Synctera API Rules
SPECTRALJSON Schema 457
Standalone JSON Schema definitions for this provider's data models.
account_access_status
JSON SCHEMAaccount_base
JSON SCHEMAaccount_creation
JSON SCHEMAaccount_depository
JSON SCHEMAaccount_generic_response
JSON SCHEMAaccount_id_query_schema
JSON SCHEMAaccount_id
JSON SCHEMAIdentifiers for the account
JSON SCHEMAaccount_line_of_credit
JSON SCHEMAaccount_list
JSON SCHEMAaccount_product_list
JSON SCHEMAaccount_product
JSON SCHEMAaccount_range_id
JSON SCHEMAaccount_range_response_list
JSON SCHEMAaccount_range_response
JSON SCHEMAaccount_range
JSON SCHEMAaccount_range_update_request
JSON SCHEMAaccount_relationship_type
JSON SCHEMARouting information for the account
JSON SCHEMAaccount
JSON SCHEMAAccount Summary
JSON SCHEMAaccount_template_response
JSON SCHEMAaccount_template
JSON SCHEMAAccount to Account Transfer Request
JSON SCHEMAAccount Type
JSON SCHEMAaccrual_payout_schedule
JSON SCHEMAach_instruction
JSON SCHEMAach_request_hold_data
JSON SCHEMAIdentifiers for the account
JSON SCHEMAIdentifiers for the bank
JSON SCHEMAadd_accounts_request
JSON SCHEMAadd_vendor_account_failure
JSON SCHEMAadd_vendor_accounts_error_reason
JSON SCHEMAadd_vendor_accounts_request
JSON SCHEMAadd_vendor_accounts_response
JSON SCHEMAadditional_data
JSON SCHEMAadditional_owner_data
JSON SCHEMAaddress
JSON SCHEMAaddress1
JSON SCHEMAAddress
JSON SCHEMAadhoc_verification_request
JSON SCHEMAadhoc_verification_response
JSON SCHEMAalias_list
JSON SCHEMAAccount Alias
JSON SCHEMAapple_digital_wallet_provision_request
JSON SCHEMAapple_digital_wallet_provision_response
JSON SCHEMAapplication_list_response
JSON SCHEMAapplication_list
JSON SCHEMACredit application details
JSON SCHEMAapplication_request
JSON SCHEMACredit application details
JSON SCHEMAapplication_response1
JSON SCHEMACredit application details
JSON SCHEMAApplication Status
JSON SCHEMAApplication Type
JSON SCHEMAType of Credit Application
JSON SCHEMAapplication_update_request
JSON SCHEMAauth_request_model
JSON SCHEMAauthorization_advice_model
JSON SCHEMAbalance_ceiling
JSON SCHEMAbalance_floor
JSON SCHEMAbalance_inquiry_request_model
JSON SCHEMAbalance
JSON SCHEMAbalance_type
JSON SCHEMAban_status
JSON SCHEMAbank_debit_network_response
JSON SCHEMAInformation about account verification
JSON SCHEMAbase_card
JSON SCHEMAbase_disclosure
JSON SCHEMAbase_master_disclosure
JSON SCHEMAbase_person
JSON SCHEMAbase_person1
JSON SCHEMAbase
JSON SCHEMAbase_statement
JSON SCHEMAbase_template_fields
JSON SCHEMAbilling_address
JSON SCHEMAbilling_period
JSON SCHEMAbin_and_debit_network_list
JSON SCHEMAbin_and_debit_network
JSON SCHEMAbin_id
JSON SCHEMAbin_network_mapping_response
JSON SCHEMAbin_network_mapping
JSON SCHEMAbin_response_list
JSON SCHEMAbin_response
JSON SCHEMAbin
JSON SCHEMAbin_status
JSON SCHEMAbin_update_request
JSON SCHEMAbrand_product_code
JSON SCHEMAbusiness_business_owner_relationship
JSON SCHEMAbusiness_id
JSON SCHEMAbusiness_id1
JSON SCHEMAbusiness_id2
JSON SCHEMAbusiness_id3
JSON SCHEMAbusiness_id4
JSON SCHEMAbusiness_id5
JSON SCHEMAbusiness_list
JSON SCHEMAbusiness
JSON SCHEMABusiness
JSON SCHEMAcalculation_method
JSON SCHEMAcard_acceptor_model
JSON SCHEMAcard_activation_request
JSON SCHEMAcard_brand
JSON SCHEMAcard_category
JSON SCHEMAcard_change
JSON SCHEMAcard_change_state
JSON SCHEMAcard_changes_list
JSON SCHEMAcard_edit_request
JSON SCHEMAcard_format
JSON SCHEMAcard_fulfillment_status
JSON SCHEMAcard_id
JSON SCHEMAcard_image_details_list
JSON SCHEMAcard_image_details
JSON SCHEMAcard_image_id
JSON SCHEMAcard_image_mode
JSON SCHEMAcard_image_rejection_reason
JSON SCHEMAcard_image_status
JSON SCHEMAcard_issuance_request
JSON SCHEMAcard_list_response
JSON SCHEMAcard_metadata
JSON SCHEMAcard_options
JSON SCHEMAcard_pin
JSON SCHEMAcard_pin_status
JSON SCHEMAcard_product_id
JSON SCHEMAcard_product_internal
JSON SCHEMAcard_product_list_response
JSON SCHEMAcard_product_response
JSON SCHEMAcard_product
JSON SCHEMAcard_product_type
JSON SCHEMAcard_product_update_request
JSON SCHEMAcard_program_id
JSON SCHEMAcard_program_response_list
JSON SCHEMAcard_program_response
JSON SCHEMAcard_program
JSON SCHEMAcard_program_update_request
JSON SCHEMAcard_response
JSON SCHEMAStatus
JSON SCHEMAcard_status_reason_code
JSON SCHEMAcard_status_reason_memo
JSON SCHEMAcard_status_request
JSON SCHEMAcard_status
JSON SCHEMAcard_widget_url_response
JSON SCHEMAchange_channel
JSON SCHEMAchange_type
JSON SCHEMAclearing_model
JSON SCHEMAClient Token
JSON SCHEMAcontest_ach
JSON SCHEMAcountry_code
JSON SCHEMAcreate_card_image_request
JSON SCHEMAcreate_gateway_request
JSON SCHEMAcreate_webhook_request
JSON SCHEMAcurrency_code
JSON SCHEMAcustom_headers
JSON SCHEMAcustomer_alias_list
JSON SCHEMACustomer Alias
JSON SCHEMAcustomer_id
JSON SCHEMAcustomer_id1
JSON SCHEMAcustomer_in_body
JSON SCHEMAcustomer_kyc_status
JSON SCHEMAcustomer_list
JSON SCHEMACustomer
JSON SCHEMACustomer Type
JSON SCHEMAcustomer_verification_result_list
JSON SCHEMACustomerVerificationResult
JSON SCHEMAPersonVerification
JSON SCHEMAcustomer_verify_response
JSON SCHEMAdc_sign
JSON SCHEMAdebit_network_create_request
JSON SCHEMAdebit_network_id
JSON SCHEMAdebit_network_response_list
JSON SCHEMAdebit_network_response
JSON SCHEMAdebit_network
JSON SCHEMADeleted Object
JSON SCHEMARemote Check Deposit feedback
JSON SCHEMAdeposit_list
JSON SCHEMARemote Check Deposit
JSON SCHEMAdetail
JSON SCHEMAdetails
JSON SCHEMAdevice_type
JSON SCHEMAdigital_wallet_token_address_verification
JSON SCHEMAdigital_wallet_token_edit_request
JSON SCHEMAdigital_wallet_token_id
JSON SCHEMAdigital_wallet_token_response
JSON SCHEMAdigital_wallet_token_state
JSON SCHEMAdigital_wallet_tokenization
JSON SCHEMAdisclosure_list
JSON SCHEMAList of Customer Disclosures
JSON SCHEMAdisclosure
JSON SCHEMAdisclosure_type
JSON SCHEMADisclosure
JSON SCHEMAdishonor_ach
JSON SCHEMAdocument_creation
JSON SCHEMAdocument_list
JSON SCHEMAdocument
JSON SCHEMAemboss_name
JSON SCHEMAemployment_list
JSON SCHEMACustomer employment record
JSON SCHEMAencryption
JSON SCHEMAenhanced_transaction
JSON SCHEMAenvironment
JSON SCHEMAevent_list
JSON SCHEMAevent_resend
JSON SCHEMAWebhook event
JSON SCHEMAWebhook event trigger
JSON SCHEMAevent_type_explicit
JSON SCHEMAevent_type
JSON SCHEMAevent_type_wildcard
JSON SCHEMAevent_type1
JSON SCHEMAext_account_customer_type
JSON SCHEMAexternal_account_access_token
JSON SCHEMAExternal Account Balance
JSON SCHEMAexternal_account_link_token
JSON SCHEMAExternal account
JSON SCHEMAexternal_account_transaction
JSON SCHEMAexternal_account_vendor_data
JSON SCHEMAexternal_account_vendor_values
JSON SCHEMAexternal_accounts_list
JSON SCHEMAexternal_accounts_transaction_list
JSON SCHEMAexternal_card_id
JSON SCHEMAexternal_card_list_response
JSON SCHEMAexternal_card_request
JSON SCHEMAexternal_card_response
JSON SCHEMAexternal_card_verifications
JSON SCHEMAexternal_data
JSON SCHEMAexternal_payment_date
JSON SCHEMAfee
JSON SCHEMAFinancial Institution
JSON SCHEMAfinancial_request_model
JSON SCHEMAform
JSON SCHEMAfulfillment_details
JSON SCHEMAfunding_source_response_list
JSON SCHEMAfunding_source_response
JSON SCHEMAfunding_source
JSON SCHEMAgateway_custom_headers
JSON SCHEMAgateway_id
JSON SCHEMAgateway_list_response
JSON SCHEMAgateway_response
JSON SCHEMAget_viral_loop_waitlists
JSON SCHEMAgoogle_digital_wallet_provision_request
JSON SCHEMAgoogle_digital_wallet_provision_response
JSON SCHEMAHold Cancel Request
JSON SCHEMAHold Create Request
JSON SCHEMAhold_data
JSON SCHEMAHold Decline Request
JSON SCHEMAHold Modify Request
JSON SCHEMAHold Patch Request
JSON SCHEMAhold_posting_request
JSON SCHEMAid_list_query_schema
JSON SCHEMAid
JSON SCHEMAin_app_provisioning
JSON SCHEMAReconciliation Ingestion Status Values
JSON SCHEMAinterest
JSON SCHEMAinternal_account_patch
JSON SCHEMAinternal_account
JSON SCHEMAinternal_accounts_list
JSON SCHEMAinternal_transfer_instruction
JSON SCHEMAinternal_transfer_response
JSON SCHEMAinternal_transfer
JSON SCHEMAis_customer
JSON SCHEMAInformation specific to Manual verification
JSON SCHEMAmanual_entry
JSON SCHEMAmaster_disclosure_list
JSON SCHEMAmaster_disclosure
JSON SCHEMAmetadata
JSON SCHEMAminimum_payment_rate_or_amount
JSON SCHEMAminimum_payment
JSON SCHEMAminimum_payment_type
JSON SCHEMAmonitoring_alert_list
JSON SCHEMAmonitoring_alert
JSON SCHEMAmonitoring_status
JSON SCHEMAmonitoring_subscription_list
JSON SCHEMAmonitoring_subscription
JSON SCHEMAnetwork_fee_model
JSON SCHEMAoriginal_credit_request_model
JSON SCHEMAoriginal_credit_sender_data
JSON SCHEMAoriginating_account_id
JSON SCHEMAoutgoing_ach_list
JSON SCHEMAoutgoing_ach_patch
JSON SCHEMASend ACH requests
JSON SCHEMAoutgoing_ach
JSON SCHEMAPaginated List response
JSON SCHEMApatch_account_product
JSON SCHEMAIdentifiers for the account
JSON SCHEMAIdentifiers for the bank
JSON SCHEMApatch_ban_status
JSON SCHEMApatch_business_business_owner_relationship
JSON SCHEMApatch_business
JSON SCHEMACustomer
JSON SCHEMApatch_document
JSON SCHEMApatch_external_account
JSON SCHEMApatch_interest
JSON SCHEMApatch_payment_schedule
JSON SCHEMApatch_person_business_owner_relationship
JSON SCHEMApatch_person_business_relationship
JSON SCHEMApatch_person
JSON SCHEMApatch_relationship_in
JSON SCHEMApayment_date
JSON SCHEMApayment_error_details
JSON SCHEMApayment_instruction
JSON SCHEMApayment_list
JSON SCHEMApayment_schedule_list
JSON SCHEMApayment_schedule
JSON SCHEMApayment_schedule_status
JSON SCHEMApayment
JSON SCHEMApayment_status
JSON SCHEMAPending transaction data
JSON SCHEMAA pending transaction history data
JSON SCHEMAA pending transaction history
JSON SCHEMAA pending transaction
JSON SCHEMAPending Transactions Response
JSON SCHEMAperson_business_owner_relationship
JSON SCHEMAperson_business_relationship
JSON SCHEMAperson_id
JSON SCHEMAperson_list
JSON SCHEMAperson
JSON SCHEMAPerson
JSON SCHEMAphysical_card_format
JSON SCHEMAphysical_card_issuance_request
JSON SCHEMAphysical_card_plus_status
JSON SCHEMAphysical_card_response
JSON SCHEMAphysical_card_response_status
JSON SCHEMAPhysical Card
JSON SCHEMAping_response
JSON SCHEMAInformation specific to Plaid verification
JSON SCHEMAposted_transaction_data
JSON SCHEMAA posted transaction
JSON SCHEMAPosted Transactions Response
JSON SCHEMAprefill_request
JSON SCHEMAprocessor
JSON SCHEMAProspect
JSON SCHEMACustomer
JSON SCHEMAprospect_status
JSON SCHEMAProspect
JSON SCHEMAProspects List
JSON SCHEMAprovider_type
JSON SCHEMAprovisioning_app_version
JSON SCHEMAprovisioning_controls
JSON SCHEMApush_tokenize_request_data
JSON SCHEMAquickstart_t10_response
JSON SCHEMAquickstart_t10
JSON SCHEMArate_details
JSON SCHEMArates
JSON SCHEMARaw response from providers.
JSON SCHEMArecipient_name
JSON SCHEMAReconciliation Input
JSON SCHEMAreconciliation_list
JSON SCHEMAReconciliation
JSON SCHEMArelated_resource_type
JSON SCHEMArelationship_in
JSON SCHEMArelationship_list
JSON SCHEMARelationship Role
JSON SCHEMAAccount Relationship
JSON SCHEMARelationship
JSON SCHEMArelationships_list
JSON SCHEMAresend_response
JSON SCHEMAResponse history
JSON SCHEMAreturn_ach
JSON SCHEMAreversal_model
JSON SCHEMArisk_data
JSON SCHEMArisk_info
JSON SCHEMArisk_rating_list
JSON SCHEMACustomer Risk Rating
JSON SCHEMASaving Summary
JSON SCHEMAschedule_config
JSON SCHEMAshipping
JSON SCHEMAsimulate_card_fulfillment
JSON SCHEMAsimulation_response_model
JSON SCHEMAsingle_use_token_request
JSON SCHEMAsingle_use_token_response
JSON SCHEMAsocure_event_body
JSON SCHEMAsocure_global_watchlist
JSON SCHEMAsocure_match_list
JSON SCHEMAsocure_match
JSON SCHEMAsocure_matches
JSON SCHEMAsocure_reason_code
JSON SCHEMAsocure_watchlist_result
JSON SCHEMAspending_limit_with_time
JSON SCHEMAspending_limits
JSON SCHEMAssn_source
JSON SCHEMAStatement List
JSON SCHEMADepository Statement
JSON SCHEMAStatement
JSON SCHEMAAccount Status
JSON SCHEMAstatus1
JSON SCHEMAtemplate_fields_depository
JSON SCHEMAtemplate_fields_generic_response
JSON SCHEMAtemplate_fields_line_of_credit
JSON SCHEMAtemplate_fields
JSON SCHEMAtemplate_list
JSON SCHEMAtoken_list_response
JSON SCHEMAtoken_list
JSON SCHEMAtransaction_data
JSON SCHEMADirect Post Request
JSON SCHEMAtransaction_line
JSON SCHEMAtransaction_line1
JSON SCHEMAtransaction_options
JSON SCHEMATransaction Reverse Request
JSON SCHEMAA posted transaction
JSON SCHEMATransaction Update Meta Request
JSON SCHEMAtransfer_list_response
JSON SCHEMAtransfer_request
JSON SCHEMAtransfer_response
JSON SCHEMAtransfer_type
JSON SCHEMAtxn_enhancer
JSON SCHEMAupdate_card_image_request
JSON SCHEMAupdate_gateway_request
JSON SCHEMAChange Status
JSON SCHEMAuser_data
JSON SCHEMAVendor Info
JSON SCHEMAVendor Info
JSON SCHEMAvendor_json
JSON SCHEMAvendor_xml
JSON SCHEMAverification_list
JSON SCHEMAverification_request
JSON SCHEMAverification_result
JSON SCHEMAverification
JSON SCHEMAverification_status
JSON SCHEMAverification_type
JSON SCHEMAverification_type1
JSON SCHEMAverification_vendor_info_detail
JSON SCHEMAverification_vendor_info
JSON SCHEMAverification_vendor_json
JSON SCHEMAverification_vendor_xml
JSON SCHEMAverify_response
JSON SCHEMAversion
JSON SCHEMAviral_loop_waitlists
JSON SCHEMAvirtual_card_issuance_request
JSON SCHEMAvirtual_card_plus_status
JSON SCHEMAvirtual_card_response
JSON SCHEMAvirtual_card_response_status
JSON SCHEMAVirtual Card
JSON SCHEMAWaitlist Analytics List
JSON SCHEMAWaitlist Analytics
JSON SCHEMAWaitlist
JSON SCHEMAWaitlist
JSON SCHEMAWaitlist List
JSON SCHEMAwallet_provider_card_on_file
JSON SCHEMAwatchlist_alert_list
JSON SCHEMAwatchlist_alert
JSON SCHEMAwatchlist_subscription_list
JSON SCHEMAwatchlist_subscription
JSON SCHEMAwatchlist_suppress
JSON SCHEMAwebhook_config
JSON SCHEMAwebhook_event
JSON SCHEMAwebhook_list
JSON SCHEMAwebhook_request
JSON SCHEMAwebhook_response
JSON SCHEMAWebhook
JSON SCHEMAwidget_type
JSON SCHEMAWire List
JSON SCHEMAWire payment request payload
JSON SCHEMAWire
JSON SCHEMAwithdrawal_request_model
JSON SCHEMAworkspace_list
JSON SCHEMAWorkspace access for given user
JSON SCHEMAScroll for all 457
JSON Structure 1
JSON Structure definitions describing this provider's data shapes.
Synctera Structure
JSON STRUCTURESecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API