# Synctera

**Canonical:** https://apis.io/providers/synctera/  
**Website:** https://synctera.com/  
**APIs profiled:** 29

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.

## Kin Score — 27.2 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 27.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 55.4 |
| Governance | 9.8 |
| Contract Governance | 9.8 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 24.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | verified |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (29)

- **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

## Agentic access (1)

- **Synctera Agentic Access** — 174 operations · 93 acting

## Security (2)

- **Synctera Authentication** — http · 1 scheme
- **Synctera Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Synctera Plans Pricing**

## Tags

Fintech, Backend-as-a-Service, Banking, Payments, Card Issuing, KYC

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