TrueLayer

TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts, refunds, and variable recurring payments across the UK and EU. TrueLayer connects to 69+ financial institutions and enables instant bank payments, data enrichment, and account verification through a single API.

TrueLayer publishes 5 APIs on the APIs.io network, including Mandates API, Merchant Accounts API, Payments API, and 2 more. Tagged areas include Data API, Financial-Services, Open Banking, Payments, and PSD2.

The TrueLayer catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

TrueLayer’s developer surface includes authentication, documentation, API reference, developer console, sandbox, changelog, engineering blog, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

46.2/100 developing ▬ flat Agent 36/100 agent ready Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs 1 MCP Servers

Data API Financial-Services Open Banking Payments PSD2UK BankingVRP

Kin Score

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

Composite quality — 46.2/100 · developing

Contract Quality 12.4 / 19

Developer Ergonomics 7.7 / 15

Access Clarity 3.6 / 15

Operational Transparency 2.2 / 10

Contract Governance 2.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 6.1 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 36/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 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 Banking & Open Finance 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/truelayer: 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 6

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

TrueLayer Data API

The TrueLayer Data API provides access to bank account data including account information, balances, transactions, identity verification, and standing orders. Used for account v...

TrueLayer Mandates API

Variable recurring payment mandates

TrueLayer Merchant Accounts API

Merchant account management and balance

TrueLayer Payments API

Create and manage individual bank payments

TrueLayer Payouts API

Payments from merchant accounts to users

TrueLayer Refunds API

Refund payments back to users

Postman Collections 5

Ready-to-run Postman collections for exercising this provider's APIs.

TrueLayer Payments Mandates API

POSTMAN

TrueLayer Payments Mandates Merchant Accounts API

POSTMAN

TrueLayer Mandates Payments API

POSTMAN

TrueLayer Payments Mandates Payouts API

POSTMAN

TrueLayer Payments Mandates Refunds API

POSTMAN

Open Collections 7

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

API Collection

OPEN COLLECTION

TrueLayer Payments Mandates API

OPEN COLLECTION

TrueLayer Payments Mandates Merchant Accounts API

OPEN COLLECTION

TrueLayer Mandates Payments API

OPEN COLLECTION

TrueLayer Payments API

OPEN COLLECTION

TrueLayer Payments Mandates Payouts API

OPEN COLLECTION

TrueLayer Payments Mandates Refunds API

OPEN COLLECTION

Scroll for all 7

MCP Servers 1

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

MCP Server

MCP SERVER

GraphQL 1

GraphQL schemas published by this provider.

TrueLayer GraphQL Schema

This conceptual GraphQL schema represents the TrueLayer open banking platform, covering unified access to bank data, payments, payouts, variable recurring payments (VRP), identi...

GRAPHQL

Pricing Plans 1

Published pricing tiers and plan structures.

Truelayer Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Truelayer Rate Limits

5 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Truelayer Finops

FINOPS

Semantic Vocabularies 1

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

Truelayer Context

25 classes · 5 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

TrueLayer API Rules

5 rules · 4 warnings 1 info

SPECTRAL

TrueLayer API Rules

11 rules · 6 errors 2 warnings

SPECTRAL

JSON Schema 1

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

Payment

11 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Truelayer Payment Structure

0 properties

JSON STRUCTURE

Examples 2

Example request and response payloads for these APIs.

Truelayer Create Mandate Example

3 fields

EXAMPLE

Truelayer Create Payment Example

2 fields

EXAMPLE

Security Posture 4

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

Truelayer Authentication

http · 1 scheme

SECURITY

Truelayer Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Truelayer Vulnerability Disclosure

security.txt · contact published

SECURITY

Truelayer Trust Center

ISO 27001, GDPR

SECURITY

Agentic Access 1

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

Truelayer Agentic Access

13 operations · 6 acting · 1 human-in-the-loop

13 operations · 6 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Console

Console

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

MCPServer

MCPServer

LlmsText

LlmsText

Build 3

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

SDKs

SDKs

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: truelayer
name: TrueLayer
description: TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts,
  refunds, and variable recurring payments across the UK and EU. TrueLayer connects to 69+ financial institutions and enables
  instant bank payments, data enrichment, and account verification through a single API.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/truelayer.png
tags:
- Data API
- Financial-Services
- Open Banking
- Payments
- PSD2
- UK Banking
- VRP
tags_raw:
- Data API
- Financial Services
- Open Banking
- Payments
- PSD2
- UK Banking
- VRP
url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/apis.yml
created: '2026-03-27'
modified: '2026-05-19'
specificationVersion: '0.23'
apis:
- aid: truelayer:data-api
  name: TrueLayer Data API
  description: The TrueLayer Data API provides access to bank account data including account information, balances, transactions,
    identity verification, and standing orders. Used for account verification, affordability assessments, and financial data
    enrichment.
  humanURL: https://docs.truelayer.com/docs/data-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Account Data
  - Bank Data
  - Data API
  - Identity Verification
  - Open Banking
  properties:
  - type: Documentation
    url: https://docs.truelayer.com/docs/data-api-basics
  - type: Reference
    url: https://docs.truelayer.com/reference
- aid: truelayer:truelayer-mandates-api
  name: TrueLayer Mandates API
  description: Variable recurring payment mandates
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Mandates
  properties:
  - type: OpenAPI
    url: openapi/truelayer-mandates-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-merchant-accounts-api
  name: TrueLayer Merchant Accounts API
  description: Merchant account management and balance
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Merchant Accounts
  properties:
  - type: OpenAPI
    url: openapi/truelayer-merchant-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-payments-api
  name: TrueLayer Payments API
  description: Create and manage individual bank payments
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/truelayer-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-payouts-api
  name: TrueLayer Payouts API
  description: Payments from merchant accounts to users
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/truelayer-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
- aid: truelayer:truelayer-refunds-api
  name: TrueLayer Refunds API
  description: Refund payments back to users
  humanURL: https://docs.truelayer.com/docs/payments-api-basics
  baseURL: https://api.truelayer.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/truelayer-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.truelayer.com/docs/payments-api-basics
  - type: GettingStarted
    url: https://docs.truelayer.com/docs/create-a-payment
  - type: Webhooks
    url: https://docs.truelayer.com/docs/payments-api-webhook-reference
  - type: SpectralRules
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/rules/truelayer-rules.yml
  - type: JSONSchema
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-schema/truelayer-payment-schema.json
  - type: JSONLDContext
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/json-ld/truelayer-context.jsonld
  - type: Vocabulary
    url: https://raw.githubusercontent.com/api-evangelist/truelayer/refs/heads/main/vocabulary/truelayer-vocabulary.yml
  - type: GraphQL
    url: graphql/truelayer-graphql.md
common:
- type: CapabilityMap
  url: capabilities/truelayer-capability-edges.yml
  name: TrueLayer Business Capability Map
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/truelayer/overview
- type: AgenticAccess
  url: agentic-access/truelayer-agentic-access.yml
- type: TrustCenter
  url: security/truelayer-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/truelayer-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/truelayer-domain-security.yml
- type: Authentication
  url: authentication/truelayer-authentication.yml
- type: Website
  url: https://truelayer.com/
- type: Documentation
  url: https://docs.truelayer.com/
- type: APIReference
  url: https://docs.truelayer.com/reference
- type: GitHubOrganization
  url: https://github.com/TrueLayer
- type: Console
  url: https://console.truelayer.com/
- type: Sandbox
  url: https://console.truelayer-sandbox.com/
- type: SDKs
  url: https://docs.truelayer.com/docs/client-libraries
- type: ChangeLog
  url: https://docs.truelayer.com/changelog
- type: Blog
  url: https://truelayer.com/blog/
- type: LinkedIn
  url: https://www.linkedin.com/company/truelayer/
- type: Twitter
  url: https://twitter.com/TrueLayer
- name: MCP Server
  url: https://github.com/TrueLayer/truelayer_mcp
  type: MCPServer
- type: LlmsText
  url: https://docs.truelayer.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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