The Western Union Company

The Western Union Company is a global leader in cross-border, cross-currency money movement, providing money transfer, money order, and other financial services to consumers and businesses worldwide. Western Union's Partnership APIs enable financial institutions, fintech companies, and enterprise customers to integrate WU's global payment network for money transfers, batch payments, FX quotes, and account management across 200+ countries and territories in 130+ currencies. Authentication uses mTLS with client certificates.

The Western Union Company publishes 7 APIs on the APIs.io network, including western-union Balances API, western-union Batches API, western-union Customers API, and 4 more. Tagged areas include Fortune 500.

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

The Western Union Company’s developer surface includes authentication, developer portal, getting-started guide, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

37.4/100 thin ▬ flat Agent 27/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

AccessEnterpriseApproval

1 APIs

Fortune 500

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 37.4/100 · thin

Contract Quality 14.2 / 23

Developer Ergonomics 6.6 / 18

Access Clarity 6.2 / 18

Operational Transparency 0.9 / 12

Contract Governance 1.5 / 11

Discoverability 4.8 / 9

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 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.

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/western-union: 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 8

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

Western Union Open Banking API

Western Union's PSD2-compliant Open Banking API enables Payment Service Providers to access account information (AIS) and initiate payments (PIS) in compliance with European Pay...

western-union Balances API

Holding balance inquiry.

western-union Batches API

Payment batch lifecycle management.

western-union Customers API

Customer account management.

western-union Health API

API health check.

western-union Orders API

Payment order management.

western-union Payments API

Individual payment management within a batch.

western-union Quotes API

FX rate and payment quote generation.

Scroll for all 8

Open Collections 9

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

API Collection

OPEN COLLECTION

Western Union Mass Payments Balances API

OPEN COLLECTION

Western Union Mass Payments Balances Batches API

OPEN COLLECTION

Western Union Mass Payments Balances Customers API

OPEN COLLECTION

Western Union Mass Payments Balances Health API

OPEN COLLECTION

Western Union Mass Payments API

OPEN COLLECTION

Western Union Mass Payments Balances Orders API

OPEN COLLECTION

Western Union Mass Balances Payments API

OPEN COLLECTION

Western Union Mass Payments Balances Quotes API

OPEN COLLECTION

Scroll for all 9

Pricing Plans 1

Published pricing tiers and plan structures.

Western Union Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Western Union Rate Limits

2 limits

RATE LIMITS

FinOps 1

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

Western Union Finops

FINOPS

Semantic Vocabularies 1

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

Western Union Context

0 classes · 29 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

The Western Union Company API Rules

5 rules · 3 warnings 2 info

SPECTRAL

The Western Union Company API Rules

8 rules · 1 errors 6 warnings 1 info

SPECTRAL

JSON Schema 2

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

Western Union Payment Batch

7 properties

JSON SCHEMA

Western Union Payment

16 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

Western Union Payment Structure

0 properties

JSON STRUCTURE

Examples 3

Example request and response payloads for these APIs.

Western Union Add Payment Example

2 fields

EXAMPLE

Western Union Create Batch Example

2 fields

EXAMPLE

Western Union Create Quote Example

2 fields

EXAMPLE

Security Posture 2

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

Western Union Authentication

mutualTLS · 1 scheme

SECURITY

Western Union Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Western Union Agentic Access

12 operations · 4 acting

AGENTIC

Press 5

Recent news and press coverage referencing this provider.

Western Union forms strategic partnership with HCLTech to ...

2026-05-25

Western Union Banks On First-Party Data To Woo Brands ...

2026-05-25

Techstars & Western Union Accelerator Announce 2020 Class ...

2026-05-25

Western Union to Tap Stablecoins and AI for Greater ...

2026-05-25

Western Union Builds on Accelerator Momentum with New ...

2026-05-25

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

GettingStarted

GettingStarted

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Contact

Contact

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

BusinessSolutions

BusinessSolutions

Source (apis.yml)

aid: western-union
name: The Western Union Company
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
specificationVersion: '0.23'
accessModel:
  pricing: enterprise
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Enterprise · Requires approval
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/western-union.png
tags:
- Fortune 500
url: https://raw.githubusercontent.com/api-evangelist/western-union/refs/heads/main/apis.yml
modified: '2026-05-19'
description: The Western Union Company is a global leader in cross-border, cross-currency money movement, providing money
  transfer, money order, and other financial services to consumers and businesses worldwide. Western Union's Partnership APIs
  enable financial institutions, fintech companies, and enterprise customers to integrate WU's global payment network for
  money transfers, batch payments, FX quotes, and account management across 200+ countries and territories in 130+ currencies.
  Authentication uses mTLS with client certificates.
apis:
- aid: western-union:open-banking
  name: Western Union Open Banking API
  description: Western Union's PSD2-compliant Open Banking API enables Payment Service Providers to access account information
    (AIS) and initiate payments (PIS) in compliance with European Payment Services Directive 2 (PSD2). The API supports Strong
    Customer Authentication (SCA) and integrates with the WU Business Solutions global payment network.
  humanURL: https://wu-priora.saltedge.com/
  baseURL: https://wu-priora.saltedge.com
  tags:
  - Open Banking
  - PSD2
  - Account Information
  - Payment Initiation
  - Financial-Services
  tags_raw:
  - Open Banking
  - PSD2
  - Account Information
  - Payment Initiation
  - Financial Services
  properties:
  - type: Portal
    url: https://wu-priora.saltedge.com/
  - type: Documentation
    url: https://wu-priora.saltedge.com/
  contact:
  - FN: Western Union Business Solutions
- aid: western-union:western-union-balances-api
  name: western-union Balances API
  description: Holding balance inquiry.
  humanURL: https://developer.westernunion.com/api-money-transfer.html
  baseURL: https://api.westernunion.com
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/western-union-balances-api-openapi.yml
  - type: Documentation
    url: https://developer.westernunion.com/api-money-transfer.html
  - type: Portal
    url: https://developer.westernunion.com/getting-started.html
  - type: GettingStarted
    url: https://developer.westernunion.com/getting-started.html
- aid: western-union:western-union-batches-api
  name: western-union Batches API
  description: Payment batch lifecycle management.
  humanURL: https://developer.westernunion.com/api-money-transfer.html
  baseURL: https://api.westernunion.com
  tags:
  - Batches
  properties:
  - type: OpenAPI
    url: openapi/western-union-batches-api-openapi.yml
  - type: Documentation
    url: https://developer.westernunion.com/api-money-transfer.html
  - type: Portal
    url: https://developer.westernunion.com/getting-started.html
  - type: GettingStarted
    url: https://developer.westernunion.com/getting-started.html
- aid: western-union:western-union-customers-api
  name: western-union Customers API
  description: Customer account management.
  humanURL: https://developer.westernunion.com/api-money-transfer.html
  baseURL: https://api.westernunion.com
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/western-union-customers-api-openapi.yml
  - type: Documentation
    url: https://developer.westernunion.com/api-money-transfer.html
  - type: Portal
    url: https://developer.westernunion.com/getting-started.html
  - type: GettingStarted
    url: https://developer.westernunion.com/getting-started.html
- aid: western-union:western-union-health-api
  name: western-union Health API
  description: API health check.
  humanURL: https://developer.westernunion.com/api-money-transfer.html
  baseURL: https://api.westernunion.com
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/western-union-health-api-openapi.yml
  - type: Documentation
    url: https://developer.westernunion.com/api-money-transfer.html
  - type: Portal
    url: https://developer.westernunion.com/getting-started.html
  - type: GettingStarted
    url: https://developer.westernunion.com/getting-started.html
- aid: western-union:western-union-orders-api
  name: western-union Orders API
  description: Payment order management.
  humanURL: https://developer.westernunion.com/api-money-transfer.html
  baseURL: https://api.westernunion.com
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/western-union-orders-api-openapi.yml
  - type: Documentation
    url: https://developer.westernunion.com/api-money-transfer.html
  - type: Portal
    url: https://developer.westernunion.com/getting-started.html
  - type: GettingStarted
    url: https://developer.westernunion.com/getting-started.html
- aid: western-union:western-union-payments-api
  name: western-union Payments API
  description: Individual payment management within a batch.
  humanURL: https://developer.westernunion.com/api-money-transfer.html
  baseURL: https://api.westernunion.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/western-union-payments-api-openapi.yml
  - type: Documentation
    url: https://developer.westernunion.com/api-money-transfer.html
  - type: Portal
    url: https://developer.westernunion.com/getting-started.html
  - type: GettingStarted
    url: https://developer.westernunion.com/getting-started.html
- aid: western-union:western-union-quotes-api
  name: western-union Quotes API
  description: FX rate and payment quote generation.
  humanURL: https://developer.westernunion.com/api-money-transfer.html
  baseURL: https://api.westernunion.com
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/western-union-quotes-api-openapi.yml
  - type: Documentation
    url: https://developer.westernunion.com/api-money-transfer.html
  - type: Portal
    url: https://developer.westernunion.com/getting-started.html
  - type: GettingStarted
    url: https://developer.westernunion.com/getting-started.html
common:
- type: CapabilityMap
  url: capabilities/western-union-capability-edges.yml
  name: The Western Union Company Business Capability Map
- type: AgenticAccess
  url: agentic-access/western-union-agentic-access.yml
- type: DomainSecurity
  url: security/western-union-domain-security.yml
- type: Authentication
  url: authentication/western-union-authentication.yml
- type: GitHubOrganization
  url: https://github.com/western-union
- type: Website
  url: https://www.westernunion.com
- type: BusinessSolutions
  url: https://business.westernunion.com
- type: Portal
  url: https://developer.westernunion.com
- type: GettingStarted
  url: https://developer.westernunion.com/getting-started.html
- type: Contact
  url: https://corporate.westernunion.com/fi-partnerships/solutions/
- type: PrivacyPolicy
  url: https://www.westernunion.com/us/en/privacy-statement.html
- type: TermsOfService
  url: https://www.westernunion.com/us/en/digital-service-agreement.html
- type: LinkedIn
  url: https://www.linkedin.com/company/western-union

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/western-union"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/western-union/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/western-union/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.