Thredd

Thredd (formerly Global Processing Services / GPS) is a London-headquartered issuer-processor and next-generation payments technology company, founded in 2007, rebranded to Thredd in 2023, and backed by Advent International. It provides card issuing and issuer processing for fintechs, neobanks, banking-as-a-service platforms, and program managers across Mastercard, Visa, and Discover, spanning 40+ countries, with real-time transaction authorization (External Host Interface / EHI), digital-wallet tokenization (Apple Pay, Google Pay), 3-D Secure / strong customer authentication, card controls, and fraud / scam detection. Its home market is the United Kingdom. Thredd ships a genuine public developer surface: a self-serve Developer Portal (devportal.thredd.com) that grants a sandbox client id and secret, an API Hub REST API at api.thredd.com, and a ReadMe-hosted API reference (cardsapidocs.thredd.com) documenting roughly 129 endpoints across more than a dozen product OpenAPI definitions (core cards, transactions, credit, custom PAN, card limits, card controls, digital wallets, 3DS, ACH, open banking, alias directory, and web services). Authentication is FAPI-grade OAuth2 client-credentials using private_key_jwt client assertions over mutual TLS, brokered by Cloudentity with Raidiam Connect acting as the certificate authority; webhooks and event subscriptions are supported. The underlying OpenAPI files render only through the hub and are not anonymously downloadable.

Thredd publishes 10 APIs on the APIs.io network. Tagged areas include Payments, United Kingdom, Issuer Processor, Card Issuing, and Payment Processing.

The Thredd catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Thredd’s developer surface includes authentication, changelog, sandbox, documentation, API reference, getting-started guide, signup flow, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
42.2/100 thin ▬ flat Agent 43/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
10 APIs 1 MCP Servers
PaymentsUnited KingdomIssuer ProcessorCard IssuingPayment ProcessingBanking-as-a-ServiceDigital WalletsCross-BorderFraudOpen BankingFAPI

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 42.2/100 · thin
Contract Quality 5.7 / 25
Developer Ergonomics 12.2 / 20
Commercial Clarity 4.7 / 20
Operational Transparency 5.1 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 43/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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/thredd: 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 10

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

Thredd Cards API

Create, retrieve, update, renew, replace, and convert physical and virtual cards; manage card status, cardholder details, card images, encrypted card data, and bulk card creatio...

Thredd Card Transactions API

Retrieve card transactions and transaction history, including load / unload operations and balances, for cards managed on the Thredd platform.

Thredd Card Controls & Limits API

List and update card control groups, manage merchant allow / disallow lists and card acceptors, and configure card spend limits at the product level.

Thredd 3-D Secure (SCA) API

Create, list, update, and delete 3-D Secure credentials and configuration for strong customer authentication (SCA) on issued cards.

Thredd PIN & CVV Management API

Set, retrieve, and unblock cardholder PINs, and retrieve and unblock CVV2 values and their status, over the Thredd API Hub.

Thredd Digital Wallets API

Enroll and provision cards into Apple Pay and Google Pay, generate wallet web-provisioning tokens, and manage payment-instrument tokenization for digital wallets.

Thredd Webhooks & Event Subscriptions API

Create and manage webhooks and event subscriptions to receive asynchronous notifications of card, transaction, and account events from the Thredd platform.

Thredd Credit API

Credit account and credit-program endpoints for managing credit overviews and related credit issuing capabilities on the Thredd platform.

Thredd Custom PAN API

Create customisable card numbers (custom PAN) so programs can define specific primary account number patterns for their issued cards.

Thredd Accounts API

Account-level endpoints supporting account records and money-movement flows (including ACH / micro-deposit verification) on the Thredd platform.

Scroll for all 10

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

thredd-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Thredd Webhooks

ASYNCAPI

Security Posture 2

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

Thredd Authentication

oauth2/mutualTLS · 3 schemes

SECURITY

Thredd Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Thredd Scopes

6 scopes

6 scopes

SCOPES

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 Webhooks
Webhooks

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 Authentication
Authentication

Operate 2

Status, limits, changes, and where to get help

ChangeLog
ChangeLog
 StatusPage
StatusPage

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: thredd
url: https://raw.githubusercontent.com/api-evangelist/thredd/refs/heads/main/apis.yml
name: Thredd
kind: company
description: 'Thredd (formerly Global Processing Services / GPS) is a London-headquartered issuer-processor and next-generation
  payments technology company, founded in 2007, rebranded to Thredd in 2023, and backed by Advent International. It provides
  card issuing and issuer processing for fintechs, neobanks, banking-as-a-service platforms, and program managers across Mastercard,
  Visa, and Discover, spanning 40+ countries, with real-time transaction authorization (External Host Interface / EHI), digital-wallet
  tokenization (Apple Pay, Google Pay), 3-D Secure / strong customer authentication, card controls, and fraud / scam detection.
  Its home market is the United Kingdom. Thredd ships a genuine public developer surface: a self-serve Developer Portal (devportal.thredd.com)
  that grants a sandbox client id and secret, an API Hub REST API at api.thredd.com, and a ReadMe-hosted API reference (cardsapidocs.thredd.com)
  documenting roughly 129 endpoints across more than a dozen product OpenAPI definitions (core cards, transactions, credit,
  custom PAN, card limits, card controls, digital wallets, 3DS, ACH, open banking, alias directory, and web services). Authentication
  is FAPI-grade OAuth2 client-credentials using private_key_jwt client assertions over mutual TLS, brokered by Cloudentity
  with Raidiam Connect acting as the certificate authority; webhooks and event subscriptions are supported. The underlying
  OpenAPI files render only through the hub and are not anonymously downloadable.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United Kingdom
- Issuer Processor
- Card Issuing
- Payment Processing
- Banking-as-a-Service
- Digital Wallets
- Cross-Border
- Fraud
- Open Banking
- FAPI
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: thredd:thredd-cards-api
  name: Thredd Cards API
  description: Create, retrieve, update, renew, replace, and convert physical and virtual cards; manage card status, cardholder
    details, card images, encrypted card data, and bulk card creation. The core issuing surface of the Thredd API Hub.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/create-card
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Cards
  - Card Issuing
  properties:
  - type: Documentation
    url: https://cardsapidocs.thredd.com/v2.0/docs/create-card-2
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/create-card
- aid: thredd:thredd-transactions-api
  name: Thredd Card Transactions API
  description: Retrieve card transactions and transaction history, including load / unload operations and balances, for cards
    managed on the Thredd platform.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/get-card-transactions
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Transactions
  - Payments
  properties:
  - type: Documentation
    url: https://cardsapidocs.thredd.com/v2.0/docs/retrieving-card-transactions
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/get-card-transactions
- aid: thredd:thredd-card-controls-limits-api
  name: Thredd Card Controls & Limits API
  description: List and update card control groups, manage merchant allow / disallow lists and card acceptors, and configure
    card spend limits at the product level.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/list-card-control-groups-1
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Card Controls
  - Limits
  properties:
  - type: Documentation
    url: https://cardsapidocs.thredd.com/v2.0/docs/card-controls
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/list-card-control-groups-1
- aid: thredd:thredd-3ds-api
  name: Thredd 3-D Secure (SCA) API
  description: Create, list, update, and delete 3-D Secure credentials and configuration for strong customer authentication
    (SCA) on issued cards.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/create-3ds-credentials
  baseURL: https://api.thredd.com/api/v1
  tags:
  - 3DS
  - Strong Customer Authentication
  properties:
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/create-3ds-credentials
- aid: thredd:thredd-pin-cvv-api
  name: Thredd PIN & CVV Management API
  description: Set, retrieve, and unblock cardholder PINs, and retrieve and unblock CVV2 values and their status, over the
    Thredd API Hub.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/set-pin
  baseURL: https://api.thredd.com/api/v1
  tags:
  - PIN
  - CVV
  properties:
  - type: Documentation
    url: https://cardsapidocs.thredd.com/v2.0/docs/card-personal-identification-number-pin
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/set-pin
- aid: thredd:thredd-digital-wallets-api
  name: Thredd Digital Wallets API
  description: Enroll and provision cards into Apple Pay and Google Pay, generate wallet web-provisioning tokens, and manage
    payment-instrument tokenization for digital wallets.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/apple-wallet-1
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Digital Wallets
  - Tokenization
  properties:
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/apple-wallet-1
- aid: thredd:thredd-webhooks-api
  name: Thredd Webhooks & Event Subscriptions API
  description: Create and manage webhooks and event subscriptions to receive asynchronous notifications of card, transaction,
    and account events from the Thredd platform.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/create-webhook
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Webhooks
  - Events
  properties:
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/create-webhook
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/add-event-subscriptions
- aid: thredd:thredd-credit-api
  name: Thredd Credit API
  description: Credit account and credit-program endpoints for managing credit overviews and related credit issuing capabilities
    on the Thredd platform.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/credit-overview
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Credit
  - Lending
  properties:
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/credit-overview
- aid: thredd:thredd-custom-pan-api
  name: Thredd Custom PAN API
  description: Create customisable card numbers (custom PAN) so programs can define specific primary account number patterns
    for their issued cards.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/create-custom-pan-1
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Custom PAN
  - Card Issuing
  properties:
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/create-custom-pan-1
- aid: thredd:thredd-accounts-api
  name: Thredd Accounts API
  description: Account-level endpoints supporting account records and money-movement flows (including ACH / micro-deposit
    verification) on the Thredd platform.
  humanURL: https://cardsapidocs.thredd.com/v2.0/reference/accounts
  baseURL: https://api.thredd.com/api/v1
  tags:
  - Accounts
  - ACH
  properties:
  - type: APIReference
    url: https://cardsapidocs.thredd.com/v2.0/reference/accounts
common:
- type: DomainSecurity
  url: security/thredd-domain-security.yml
- type: Authentication
  url: authentication/thredd-authentication.yml
- type: OAuthScopes
  url: scopes/thredd-scopes.yml
- type: Conventions
  url: conventions/thredd-conventions.yml
- type: Idempotency
  url: conventions/thredd-conventions.yml
- type: ErrorCatalog
  url: errors/thredd-problem-types.yml
- type: ChangeLog
  url: changelog/thredd-changelog.yml
- type: Sandbox
  url: sandbox/thredd-sandbox.yml
- type: Conformance
  url: conformance/thredd-conformance.yml
- type: Lifecycle
  url: lifecycle/thredd-lifecycle.yml
- type: StatusPage
  url: https://thredd.statuspage.io/
- type: Webhooks
  url: asyncapi/thredd-webhooks.yml
- type: MCPServer
  url: mcp/thredd-mcp.yml
- type: LLMsTxt
  url: llms/thredd-llms.txt
- type: Website
  url: https://www.thredd.com/
- type: DeveloperPortal
  url: https://devportal.thredd.com/
- type: Documentation
  url: https://docs.thredd.com/
- type: APIReference
  url: https://cardsapidocs.thredd.com/v2.0/
- type: GettingStarted
  url: https://cardsapidocs.thredd.com/v2.0/docs/getting-started-1
- type: Authentication
  url: https://cardsapidocs.thredd.com/v2.0/docs/get-an-authentication-token
- type: SignUp
  url: https://cardsapidocs.thredd.com/v2.0/docs/gaining-access-to-the-developer-portal
- type: LinkedIn
  url: https://www.linkedin.com/company/thredd/
- type: PrivacyPolicy
  url: https://www.thredd.com/privacy-policy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com