Wells Fargo

Wells Fargo is a diversified, community-based financial services company providing banking, investment, mortgage, and consumer and commercial finance through thousands of stores and digital channels. Wells Fargo operates a comprehensive developer portal at developer.wellsfargo.com offering open banking APIs for payments, account data, and treasury management. The Gateway API platform handles over 1.5 billion API calls annually and supports commercial banking customers with ACH, wire, RTP, FedNow, and data reporting capabilities.

Wells Fargo publishes 6 APIs on the APIs.io network, including ACH Payments API, wells-fargo Accounts API, wells-fargo Payment Batches API, and 3 more. Tagged areas include Fortune 100.

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

Wells Fargo’s developer surface includes support, authentication, documentation, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

38.2/100 thin ▬ flat Agent 26/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessEnterpriseSelf serve

2 APIs

Fortune 100

Kin Score

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

Composite quality — 38.2/100 · thin

Contract Quality 16.7 / 23

Developer Ergonomics 3.0 / 18

Access Clarity 5.5 / 18

Operational Transparency 1.2 / 12

Contract Governance 3.1 / 11

Discoverability 5.5 / 9

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 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

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.

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APIs 6

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

Wells Fargo ACH Payments API

The Wells Fargo ACH Payments API enables commercial banking customers to initiate ACH credit and debit transactions, including same-day ACH, for payroll, vendor payments, and co...

wells-fargo Accounts API

Account information and balance queries.

wells-fargo Payment Batches API

Batch ACH payment file management.

wells-fargo Payment Returns API

ACH return and NOC (Notification of Change) processing.

wells-fargo Payments API

Initiate and manage payments.

wells-fargo Transactions API

Retrieve and search account transaction data.

Open Collections 9

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

API Collection

OPEN COLLECTION

Wells Fargo Account Transactions API

OPEN COLLECTION

Wells Fargo Account Transactions Accounts API

OPEN COLLECTION

Wells Fargo Account Transactions Accounts ACH Payments API

OPEN COLLECTION

Wells Fargo Gateway API

OPEN COLLECTION

Wells Fargo Account Transactions Accounts Payment Batches API

OPEN COLLECTION

Wells Fargo Account Transactions Accounts Payment Returns API

OPEN COLLECTION

Wells Fargo Account Transactions Accounts Payments API

OPEN COLLECTION

Wells Fargo Account Accounts Transactions API

OPEN COLLECTION

Scroll for all 9

GraphQL 1

GraphQL schemas published by this provider.

Wells Fargo GraphQL Schema

A conceptual GraphQL schema for the Wells Fargo banking platform, derived from the public Wells Fargo Gateway API at [developer.wellsfargo.com](https://developer.wellsfargo.com)...

GRAPHQL

Pricing Plans 1

Published pricing tiers and plan structures.

Wells Fargo Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Wells Fargo Rate Limits

1 limits

RATE LIMITS

FinOps 1

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

Wells Fargo Finops

FINOPS

Semantic Vocabularies 1

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

Wells Fargo Context

6 classes · 28 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Wells Fargo API Rules

5 rules · 3 warnings 2 info

SPECTRAL

Wells Fargo API Rules

12 rules · 4 errors 7 warnings

SPECTRAL

JSON Schema 2

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

Wells Fargo ACH Payment

16 properties

JSON SCHEMA

Wells Fargo Transaction

14 properties

JSON SCHEMA

JSON Structure 2

JSON Structure definitions describing this provider's data shapes.

Wells Fargo Ach Payment Structure

0 properties

JSON STRUCTURE

Wells Fargo Transaction Structure

0 properties

JSON STRUCTURE

Examples 4

Example request and response payloads for these APIs.

Wells Fargo Account Transactions Api Listaccounttransactions Example

2 fields

EXAMPLE

Wells Fargo Ach Payments Api Initiateachpayment Example

2 fields

EXAMPLE

Wells Fargo Gateway Api Createpayment Example

2 fields

EXAMPLE

Wells Fargo Gateway Api Listaccounts Example

2 fields

EXAMPLE

Security Posture 2

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

Wells Fargo Authentication

http/oauth2 · 3 schemes

SECURITY

Wells Fargo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Wells Fargo Scopes

4 scopes · clientCredentials/authorizationCode

4 scopes

SCOPES

Agentic Access 1

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

Wells Fargo Agentic Access

14 operations · 4 acting

AGENTIC

Press 5

Recent news and press coverage referencing this provider.

Banks chase AI-fueled efficiencies

2026-05-25

Wells Fargo Scales AI to Meet Surging Customer Demand

2026-05-25

Wells Fargo Reaches Major Digital Milestones

2026-05-25

Wells Fargo Names Faraz Shafiq as Head of AI Products ...

2026-05-25

Wells Fargo, BNP Paribas bolster AI leadership

2026-05-25

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

JSONLDContext

JSONLDContext

Vocabulary

Vocabulary

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 2

The organization behind the API

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: wells-fargo
name: Wells Fargo
specificationVersion: '0.23'
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: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/wells-fargo.png
tags:
- Fortune 100
url: https://raw.githubusercontent.com/api-evangelist/wells-fargo/refs/heads/main/apis.yml
modified: '2026-05-19'
description: Wells Fargo is a diversified, community-based financial services company providing banking, investment, mortgage,
  and consumer and commercial finance through thousands of stores and digital channels. Wells Fargo operates a comprehensive
  developer portal at developer.wellsfargo.com offering open banking APIs for payments, account data, and treasury management.
  The Gateway API platform handles over 1.5 billion API calls annually and supports commercial banking customers with ACH,
  wire, RTP, FedNow, and data reporting capabilities.
common:
- type: CapabilityMap
  url: capabilities/wells-fargo-capability-edges.yml
  name: Wells Fargo Business Capability Map
- type: Support
  url: https://www.wellsfargo.com/help/
- type: TermsOfService
  url: https://www.wellsfargo.com/privacy-security/terms/
- type: Login
  url: https://connect.secure.wellsfargo.com/auth/login/present?passkey=Y
- type: AgenticAccess
  url: agentic-access/wells-fargo-agentic-access.yml
- type: DomainSecurity
  url: security/wells-fargo-domain-security.yml
- type: Authentication
  url: authentication/wells-fargo-authentication.yml
- type: OAuthScopes
  url: scopes/wells-fargo-scopes.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/wellsfargo
- type: Website
  url: https://www.wellsfargo.com
- type: DeveloperPortal
  url: https://developer.wellsfargo.com
- type: Documentation
  url: https://developer.wellsfargo.com/documentation
- type: GitHubOrg
  url: https://github.com/wells-fargo
- type: JSONLDContext
  url: json-ld/wells-fargo-context.jsonld
- type: Vocabulary
  url: vocabulary/wells-fargo-vocabulary.yml
- type: LlmsText
  url: https://developer.wellsfargo.com/llms.txt
apis:
- aid: wells-fargo:ach-payments-api
  name: Wells Fargo ACH Payments API
  tags:
  - Banking
  - Financial-Services
  - Payments
  - ACH
  - Treasury Management
  tags_raw:
  - Banking
  - Financial Services
  - Payments
  - ACH
  - Treasury Management
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.wellsfargo.com
  humanURL: https://developer.wellsfargo.com/documentation/api-references/ach-payments/v2/ach-payments-api-ref-v2
  properties:
  - url: https://developer.wellsfargo.com/documentation/api-references/ach-payments/v2/ach-payments-api-ref-v2
    type: Documentation
  - url: openapi/wells-fargo-ach-payments-api-openapi.yml
    type: OpenAPI
  - url: json-schema/wells-fargo-ach-payment-schema.json
    type: JSONSchema
  - url: json-structure/wells-fargo-ach-payment-structure.json
    type: JSONStructure
  - url: examples/wells-fargo-ach-payments-api-initiateAchPayment-example.json
    type: Examples
  - url: rules/wells-fargo-rules.yml
    type: SpectralRuleset
  description: The Wells Fargo ACH Payments API enables commercial banking customers to initiate ACH credit and debit transactions,
    including same-day ACH, for payroll, vendor payments, and collections. The API integrates with Wells Fargo's intelligent
    payment routing that automatically selects the optimal rail including RTP, FedNow, and ACH for each transaction.
- aid: wells-fargo:wells-fargo-accounts-api
  name: wells-fargo Accounts API
  description: Account information and balance queries.
  humanURL: https://developer.wellsfargo.com/
  baseURL: https://api.wellsfargo.com
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/wells-fargo-accounts-api-openapi.yml
  - type: Documentation
    url: https://developer.wellsfargo.com/apis
  - type: Examples
    url: examples/wells-fargo-gateway-api-listAccounts-example.json
  - type: Examples
    url: examples/wells-fargo-gateway-api-createPayment-example.json
  - type: SpectralRuleset
    url: rules/wells-fargo-rules.yml
  - type: GraphQL
    url: graphql/wells-fargo-graphql.md
  - type: Documentation
    url: https://developer.wellsfargo.com/documentation/api-references/account-transactions/v3/transaction-detail-api-ref-v3
  - type: JSONSchema
    url: json-schema/wells-fargo-transaction-schema.json
  - type: JSONStructure
    url: json-structure/wells-fargo-transaction-structure.json
  - type: Examples
    url: examples/wells-fargo-account-transactions-api-listAccountTransactions-example.json
- aid: wells-fargo:wells-fargo-payment-batches-api
  name: wells-fargo Payment Batches API
  description: Batch ACH payment file management.
  humanURL: https://developer.wellsfargo.com/
  baseURL: https://api.wellsfargo.com
  tags:
  - Payment Batches
  properties:
  - type: OpenAPI
    url: openapi/wells-fargo-payment-batches-api-openapi.yml
  - type: Documentation
    url: https://developer.wellsfargo.com/apis
  - type: Examples
    url: examples/wells-fargo-gateway-api-listAccounts-example.json
  - type: Examples
    url: examples/wells-fargo-gateway-api-createPayment-example.json
  - type: SpectralRuleset
    url: rules/wells-fargo-rules.yml
  - type: GraphQL
    url: graphql/wells-fargo-graphql.md
  - type: Documentation
    url: https://developer.wellsfargo.com/documentation/api-references/account-transactions/v3/transaction-detail-api-ref-v3
  - type: JSONSchema
    url: json-schema/wells-fargo-transaction-schema.json
  - type: JSONStructure
    url: json-structure/wells-fargo-transaction-structure.json
  - type: Examples
    url: examples/wells-fargo-account-transactions-api-listAccountTransactions-example.json
- aid: wells-fargo:wells-fargo-payment-returns-api
  name: wells-fargo Payment Returns API
  description: ACH return and NOC (Notification of Change) processing.
  humanURL: https://developer.wellsfargo.com/
  baseURL: https://api.wellsfargo.com
  tags:
  - Payment Returns
  properties:
  - type: OpenAPI
    url: openapi/wells-fargo-payment-returns-api-openapi.yml
  - type: Documentation
    url: https://developer.wellsfargo.com/apis
  - type: Examples
    url: examples/wells-fargo-gateway-api-listAccounts-example.json
  - type: Examples
    url: examples/wells-fargo-gateway-api-createPayment-example.json
  - type: SpectralRuleset
    url: rules/wells-fargo-rules.yml
  - type: GraphQL
    url: graphql/wells-fargo-graphql.md
  - type: Documentation
    url: https://developer.wellsfargo.com/documentation/api-references/account-transactions/v3/transaction-detail-api-ref-v3
  - type: JSONSchema
    url: json-schema/wells-fargo-transaction-schema.json
  - type: JSONStructure
    url: json-structure/wells-fargo-transaction-structure.json
  - type: Examples
    url: examples/wells-fargo-account-transactions-api-listAccountTransactions-example.json
- aid: wells-fargo:wells-fargo-payments-api
  name: wells-fargo Payments API
  description: Initiate and manage payments.
  humanURL: https://developer.wellsfargo.com/
  baseURL: https://api.wellsfargo.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/wells-fargo-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.wellsfargo.com/apis
  - type: Examples
    url: examples/wells-fargo-gateway-api-listAccounts-example.json
  - type: Examples
    url: examples/wells-fargo-gateway-api-createPayment-example.json
  - type: SpectralRuleset
    url: rules/wells-fargo-rules.yml
  - type: GraphQL
    url: graphql/wells-fargo-graphql.md
  - type: Documentation
    url: https://developer.wellsfargo.com/documentation/api-references/account-transactions/v3/transaction-detail-api-ref-v3
  - type: JSONSchema
    url: json-schema/wells-fargo-transaction-schema.json
  - type: JSONStructure
    url: json-structure/wells-fargo-transaction-structure.json
  - type: Examples
    url: examples/wells-fargo-account-transactions-api-listAccountTransactions-example.json
- aid: wells-fargo:wells-fargo-transactions-api
  name: wells-fargo Transactions API
  description: Retrieve and search account transaction data.
  humanURL: https://developer.wellsfargo.com/
  baseURL: https://api.wellsfargo.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/wells-fargo-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.wellsfargo.com/apis
  - type: Examples
    url: examples/wells-fargo-gateway-api-listAccounts-example.json
  - type: Examples
    url: examples/wells-fargo-gateway-api-createPayment-example.json
  - type: SpectralRuleset
    url: rules/wells-fargo-rules.yml
  - type: GraphQL
    url: graphql/wells-fargo-graphql.md
  - type: Documentation
    url: https://developer.wellsfargo.com/documentation/api-references/account-transactions/v3/transaction-detail-api-ref-v3
  - type: JSONSchema
    url: json-schema/wells-fargo-transaction-schema.json
  - type: JSONStructure
    url: json-structure/wells-fargo-transaction-structure.json
  - type: Examples
    url: examples/wells-fargo-account-transactions-api-listAccountTransactions-example.json

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