Upward Financial

Upward Financial (Upwardli) is a Techstars-backed embedded-finance platform that lets banks, fintechs, and gig platforms launch credit products for their customers without building the stack themselves. Its Credit Suite API and embeddable UI components cover credit builder cards and credit lines, bill payments and bureau bill reporting, direct payouts, money movement (ACH, AFT/OCT, instant, P2P, book transfers), cashback rewards, statements, and credit insights, with OAuth 2.0 machine-to-machine auth, RFC 8693 token exchange for consumer-scoped client tokens, an HMAC-signed webhook event catalog, an isolated sandbox with reserved SSN test cases and transaction simulators, a published OpenAPI 3.1, llms.txt, and a hosted docs MCP server.

Upward Financial publishes 17 API contracts indexed on the APIs.io network, including Accounts API, Auth API, Bill Reporting API, and 14 more. Tagged areas include Company, Fintech, Credit, Credit Building, and Payments.

The Upward Financial catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Upward Financial’s developer surface includes engineering blog, documentation, API reference, getting-started guide, support, authentication, sandbox, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

50.0/100 developing ▬ flat Agent 32/100 agent ready Front door AI 1/6 silent Heartbeat 2/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 MCP Servers 3 Agent Skills

Company Fintech Credit Credit Building Payments Cards Embedded Finance Bill Pay Banking KYC

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Personal Finance & Consumer Money

AE-190

PlaidbillReportingcreditInsights

GET /v2/credit-insights/{consumer_id}/summary/ POST /v2/consumers/{consumer_id}/accounts/plaid-link-token

Payments & Card Management

BC-1340

billPaymentspaymentCardspayments

POST /v2/payments/ach/ POST /v2/payments/instant/ POST /v2/payments/aft/ POST /v2/payment-cards/{payment_card_id}/emboss

Banking Customer Management

BC-1300

consumersonboarding

POST /v2/onboarding/ POST /v2/onboarding/{external_id}/verify-identity/ POST /v2/onboarding/{external_id}/accept-terms/ GET /v2/consumers/

Credit & Lending Management

BC-1320

cbaas

POST /v2/credit-lines/{credit_line_id}/transactions/{transaction_id}/clear/

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 50.0/100 · developing

Contract Quality 9.7 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 3.2 / 15

Operational Transparency 2.6 / 10

Contract Governance 2.9 / 9

Discoverability 5.6 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 3.9 / 10

Agent readiness — 32/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 4 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments 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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

5 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 21.1 — up to +15.8 composite points
Contract Quality scores 51.6 — up to +12.1 composite points
Operational Transparency scores 26.3 — up to +9.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/upward-financial/apis.yml: open an issue on github.com/api-evangelist/upward-financial to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (platform)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 17

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

Upward Financial Accounts API

The accounts API from Upward Financial — 2 operation(s) for accounts.

Upward Financial Auth API

The auth API from Upward Financial — 2 operation(s) for auth.

Upward Financial Bill Reporting API

The billReporting API from Upward Financial — 9 operation(s) for billreporting.

Upward Financial Bill Switch API

The billSwitch API from Upward Financial — 2 operation(s) for billswitch.

Upward Financial Cbaas API

The cbaas API from Upward Financial — 5 operation(s) for cbaas.

Upward Financial Consumers API

The consumers API from Upward Financial — 13 operation(s) for consumers.

Upward Financial Credit Insights API

The creditInsights API from Upward Financial — 1 operation(s) for creditinsights.

Upward Financial Onboarding API

The onboarding API from Upward Financial — 11 operation(s) for onboarding.

Upward Financial Partners API

The partners API from Upward Financial — 5 operation(s) for partners.

Upward Financial Payments API

The payments API from Upward Financial — 12 operation(s) for payments.

Upward Financial Plaid API

The plaid API from Upward Financial — 2 operation(s) for plaid.

Upward Financial Rewards API

The rewards API from Upward Financial — 4 operation(s) for rewards.

Upward Financial Simulations API

The simulations API from Upward Financial — 3 operation(s) for simulations.

Upward Financial Statements API

The statements API from Upward Financial — 3 operation(s) for statements.

Upward Financial Webhooks API

The webhooks API from Upward Financial — 3 operation(s) for webhooks.

Upward Financial Bill Payments API

The Bill Payments API from Upward Financial — 4 operation(s) for bill payments.

Upward Financial Payment Cards API

The Payment Cards API from Upward Financial — 10 operation(s) for payment cards.

Scroll for all 17

Open Collections 17

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

API Reference accounts API

OPEN COLLECTION

API Reference accounts auth API

OPEN COLLECTION

API Reference accounts billPayments API

OPEN COLLECTION

API Reference accounts billReporting API

OPEN COLLECTION

API Reference accounts billSwitch API

OPEN COLLECTION

API Reference accounts cbaas API

OPEN COLLECTION

API Reference accounts consumers API

OPEN COLLECTION

API Reference accounts creditInsights API

OPEN COLLECTION

API Reference accounts onboarding API

OPEN COLLECTION

API Reference accounts partners API

OPEN COLLECTION

API Reference accounts paymentCards API

OPEN COLLECTION

API Reference accounts payments API

OPEN COLLECTION

API Reference accounts plaid API

OPEN COLLECTION

API Reference accounts rewards API

OPEN COLLECTION

API Reference accounts simulations API

OPEN COLLECTION

API Reference accounts statements API

OPEN COLLECTION

API Reference accounts webhooks API

OPEN COLLECTION

Scroll for all 17

MCP Servers 1

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

Upward Financial MCP Server

Upward (Upwardli) publishes an official hosted MCP server for its developer documentation, advertised in the portal's llms.txt ("For AI client integration (Claude Code, Cursor, ...

MCP SERVER

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Manage a credit builder card and simulate transactions in sandbox

AGENT SKILL

Onboard a consumer onto an Upward credit product

AGENT SKILL

Pay a bill and report it to the credit bureaus

AGENT SKILL

Event Specifications 1

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

Upward Financial Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Upward Financial API Rules

48 rules · 42 errors 5 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Upward Financial Api Overlay

3 actions · documentation · upward-financial-openapi.json

DERIVED

Security Posture 2

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

Upward Financial Authentication

http/oauth2 · 3 schemes

SECURITY

Upward Financial Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Upward Financial Scopes

9 scopes · clientCredentials/token-exchange (urn:ietf:params:oauth:grant-type:token-exchange)

9 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer

LLMsTxt

WellKnown

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Webhooks

Components

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

APICatalog

APICatalog

Overlay

Overlay

Source (apis.yml)

aid: upward-financial
name: Upward Financial
description: Upward Financial (Upwardli) is a Techstars-backed embedded-finance platform that lets banks, fintechs, and gig
  platforms launch credit products for their customers without building the stack themselves. Its Credit Suite API and embeddable
  UI components cover credit builder cards and credit lines, bill payments and bureau bill reporting, direct payouts, money
  movement (ACH, AFT/OCT, instant, P2P, book transfers), cashback rewards, statements, and credit insights, with OAuth 2.0
  machine-to-machine auth, RFC 8693 token exchange for consumer-scoped client tokens, an HMAC-signed webhook event catalog,
  an isolated sandbox with reserved SSN test cases and transaction simulators, a published OpenAPI 3.1, llms.txt, and a hosted
  docs MCP server.
url: https://raw.githubusercontent.com/api-evangelist/upward-financial/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://avatars.githubusercontent.com/u/87385560?v=4
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-docs-platform: fern
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
x-docs-hosting: vercel
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 21
  pass: local-v1
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Fintech
- Credit
- Credit Building
- Payments
- Cards
- Embedded Finance
- Bill Pay
- Banking
- KYC
tags_raw:
- Company
- FinTech
- Credit
- Credit Building
- Payments
- Cards
- Embedded Finance
- Bill Pay
- Banking
- KYC
apis:
- aid: upward-financial:upward-financial-accounts-api
  name: Upward Financial Accounts API
  description: The accounts API from Upward Financial — 2 operation(s) for accounts.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Account
  tags_raw:
  - accounts
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-accounts-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-auth-api
  name: Upward Financial Auth API
  description: The auth API from Upward Financial — 2 operation(s) for auth.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Authentication
  tags_raw:
  - auth
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-auth-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-billreporting-api
  name: Upward Financial Bill Reporting API
  description: The billReporting API from Upward Financial — 9 operation(s) for billreporting.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags: []
  tags_raw:
  - billReporting
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-billreporting-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-billswitch-api
  name: Upward Financial Bill Switch API
  description: The billSwitch API from Upward Financial — 2 operation(s) for billswitch.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags: []
  tags_raw:
  - billSwitch
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-billswitch-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-cbaas-api
  name: Upward Financial Cbaas API
  description: The cbaas API from Upward Financial — 5 operation(s) for cbaas.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - cbaas
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-cbaas-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-consumers-api
  name: Upward Financial Consumers API
  description: The consumers API from Upward Financial — 13 operation(s) for consumers.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Consumers
  tags_raw:
  - consumers
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-consumers-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-creditinsights-api
  name: Upward Financial Credit Insights API
  description: The creditInsights API from Upward Financial — 1 operation(s) for creditinsights.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags: []
  tags_raw:
  - creditInsights
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-creditinsights-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-onboarding-api
  name: Upward Financial Onboarding API
  description: The onboarding API from Upward Financial — 11 operation(s) for onboarding.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Onboarding
  tags_raw:
  - onboarding
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-onboarding-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-partners-api
  name: Upward Financial Partners API
  description: The partners API from Upward Financial — 5 operation(s) for partners.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Partners
  tags_raw:
  - partners
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-partners-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-payments-api
  name: Upward Financial Payments API
  description: The payments API from Upward Financial — 12 operation(s) for payments.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Payments
  tags_raw:
  - payments
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-payments-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-plaid-api
  name: Upward Financial Plaid API
  description: The plaid API from Upward Financial — 2 operation(s) for plaid.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Plaid
  tags_raw:
  - plaid
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-plaid-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-rewards-api
  name: Upward Financial Rewards API
  description: The rewards API from Upward Financial — 4 operation(s) for rewards.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Rewards
  tags_raw:
  - rewards
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-rewards-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-simulations-api
  name: Upward Financial Simulations API
  description: The simulations API from Upward Financial — 3 operation(s) for simulations.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Simulation
  tags_raw:
  - simulations
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-simulations-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-statements-api
  name: Upward Financial Statements API
  description: The statements API from Upward Financial — 3 operation(s) for statements.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Statements
  tags_raw:
  - statements
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-statements-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-webhooks-api
  name: Upward Financial Webhooks API
  description: The webhooks API from Upward Financial — 3 operation(s) for webhooks.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Webhook
  tags_raw:
  - webhooks
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-bill-payments-api
  name: Upward Financial Bill Payments API
  description: The Bill Payments API from Upward Financial — 4 operation(s) for bill payments.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Bill Payments
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-bill-payments-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
- aid: upward-financial:upward-financial-payment-cards-api
  name: Upward Financial Payment Cards API
  description: The Payment Cards API from Upward Financial — 10 operation(s) for payment cards.
  humanURL: https://developers.upwardli.com/
  baseURL: https://api.upwardli.com/v2
  tags:
  - Payment Cards
  properties:
  - type: OpenAPI
    url: openapi/upward-financial-payment-cards-api-openapi.yml
  - type: Documentation
    url: https://developers.upwardli.com/get-started/introduction
  - type: APIReference
    url: https://developers.upwardli.com/api-access/reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.upwardli.com/press
  type: Blog
- type: CapabilityMap
  url: capabilities/upward-financial-capability-edges.yml
  name: Upward Financial Business Capability Map
- type: Website
  url: https://upwardli.com/
- type: DeveloperPortal
  url: https://developers.upwardli.com/
- type: Documentation
  url: https://developers.upwardli.com/get-started/introduction
- type: APIReference
  url: https://developers.upwardli.com/api-access/reference
- type: GettingStarted
  url: https://developers.upwardli.com/api-access/getting-started
- type: Support
  url: https://support.upwardli.com/hc/en-us/requests/new
- type: GitHubOrganization
  url: https://github.com/upwardli
- type: TermsOfService
  url: https://www.upwardli.com/legal/terms
- type: PrivacyPolicy
  url: https://www.upwardli.com/legal/privacypolicy
- type: StatusPage
  url: https://status.upwardli.com/
- type: Authentication
  url: authentication/upward-financial-authentication.yml
- type: OAuthScopes
  url: scopes/upward-financial-scopes.yml
- type: Webhooks
  url: asyncapi/upward-financial-webhooks.yml
- type: MCPServer
  url: mcp/upward-financial-mcp.yml
- type: LLMsTxt
  url: llms/upward-financial-llms.txt
- type: WellKnown
  url: well-known/upward-financial-well-known.yml
- type: APICatalog
  url: well-known/upward-financial-api-catalog.json
- type: Sandbox
  url: sandbox/upward-financial-sandbox.yml
- type: Components
  url: components/upward-financial-components.yml
- type: Conventions
  url: conventions/upward-financial-conventions.yml
- type: ErrorCatalog
  url: errors/upward-financial-problem-types.yml
- type: Lifecycle
  url: lifecycle/upward-financial-lifecycle.yml
- type: Conformance
  url: conformance/upward-financial-conformance.yml
- type: DataModel
  url: data-model/upward-financial-data-model.yml
- type: Overlay
  url: overlays/upward-financial-api-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/upward-financial-domain-security.yml

Upward Financial API — frequently asked questions

Does Upward Financial have an API?

Yes. APIs.io lists 17 APIs from Upward Financial, including Upward Financial Accounts API, Upward Financial Auth API and Upward Financial Bill Reporting API, and 14 more.

Is there an OpenAPI specification for the Upward Financial API?

Yes. APIs.io indexes 17 OpenAPI specifications for Upward Financial, each linked for download from this page.

How do I authenticate with the Upward Financial API?

Upward Financial uses bearer-token authentication (http/oauth2 · 3 schemes). The details are profiled on APIs.io as Upward Financial Authentication.

Does Upward Financial have an MCP server?

Yes. APIs.io lists 1 MCP server for Upward Financial: Upward (Upwardli) publishes an official hosted MCP server for its developer documentation, advertised in the portal's llms.txt ("For AI client integration (Claude Code, Cursor, etc.), connect to the M

Is the Upward Financial API ready for AI agents?

Upward Financial has a Kin Score of 50.0 out of 100 (developing) and an Agent Readiness score of 32.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
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