# Thredd

**Canonical:** https://apis.io/providers/thredd/  
**Website:** https://www.thredd.com/  
**APIs profiled:** 10

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.

## Kin Score — 42.3 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 42.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 39.5 |
| Developer Ergonomics | 32.1 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Payments**: 70.3 (matched via tags).

## Agent readiness — 36.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (10)

- **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.

## MCP servers (1)

- **Thredd MCP Server**

## Security (2)

- **Thredd Authentication** — oauth2/mutualTLS · 3 schemes
- **Thredd Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, United Kingdom, Issuer Processor, Card Issuing, Payment Processing, Banking as a Service, Digital Wallet, Cross-Border, Fraud, Open Banking, FAPI

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