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 8 API contracts indexed on the APIs.io network, including western-union Balances API, western-union Batches API, western-union Customers API, and 5 more. Tagged areas include Fortune 500, Financial Services, Payments, Money Transfer, and Remittances.

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 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.3/100 thin ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent Heartbeat 75/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessEnterpriseApproval

1 published contract

Fortune 500 Financial Services Payments Money Transfer Remittances Cross-Border Payments Foreign Exchange Open Banking United States

What this lets a business do 1

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

Payments & Card Management

BC-1340

BatchesOrdersPaymentsQuotes

POST /customers/{clientId}/batches/{batchId}/payments POST /customers/{clientId}/quotes GET /customers/{clientId}/orders

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 34.3/100 · thin

Contract Quality 10.8 / 19

Developer Ergonomics 5.5 / 15

Access Clarity 3.8 / 15

Operational Transparency 0.9 / 10

Contract Governance 1.2 / 9

Discoverability 4.6 / 8

Regulatory Posture 2.3 / 15

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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
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) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →

8 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 25.5 — up to +14.9 composite points Ask about this →
Developer Ergonomics scores 36.9 — up to +12.6 composite points Ask about this →
Operational Transparency scores 9.5 — up to +11.8 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/western-union/apis.yml: open an issue on github.com/api-evangelist/western-union 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
Argentine Fintech Registers (BCRA PSP + entities, CNV agents + PSAV, Cámara Fintech)	regulated	55.6	-	-
RegTech, AML/KYC and Money Transmission	regulated	55.6	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	regulated	55.6	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	55.6	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	regulated	55.6	-	-

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 2

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.

OpenAPI

measured — observed by APIs.io (published)

Mutual TLS

measured — observed by APIs.io (declared)

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 8

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

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 8

The Western Union Company API pricing

Not yet checked against The Western Union Company's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.westernunion.com; confirm before you rely on a figure.

Plan	Price
Contact Sales enterprise	—

Plan details, limits and sources →

Rate limits

Mass Payments Batch Size: 10000 payments per batch
Per-Partner Request Rate: see partner agreement varies

Compiled by API Evangelist, not yet checked against The Western Union Company's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

The Western Union Company Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

The Western Union Company Rate Limits

2 limits

RATE LIMITS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

The Western Union Company

24 quoted statements, read from The Western Union Company's own page on 2026-11-10.

PRIVACY

FinOps 1

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

The Western Union Company 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. Counts are the severity each rule declares, not results of running them.

The Western Union Company — jsonschema rules

5 rules · 3 warn-severity 2 info-severity

SPECTRAL

The Western Union Company API Rules

8 rules · 1 error-severity 6 warn-severity 1 info-severity

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.

The Western Union Company Payment Structure

0 properties

JSON STRUCTURE

Examples 3

Example request and response payloads for these APIs.

The Western Union Company Add Payment Example

2 fields

EXAMPLE

The Western Union Company Create Batch Example

2 fields

EXAMPLE

The Western Union Company Create Quote Example

2 fields

EXAMPLE

Security Posture 2

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

The Western Union Company Authentication

mutualTLS · 1 scheme

SECURITY

The Western Union Company Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

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

The Western Union Company 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 ...

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

Techstars & Western Union Accelerator Announce 2020 Class ...

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

Western Union Builds on Accelerator Momentum with New ...

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 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

Contact

Contact

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

PrivacyPolicy

TermsOfService

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 3

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

BusinessSolutions

BusinessSolutions

DataProcessing

DataProcessing

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: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/western-union.png
tags:
- Fortune 500
- Financial Services
- Payments
- Money Transfer
- Remittances
- Cross-Border Payments
- Foreign Exchange
- Open Banking
- United States
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
  - 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: Plans
  url: plans/western-union-plans-pricing.yml
- type: RateLimits
  url: rate-limits/western-union-rate-limits.yml
- type: FinOps
  url: finops/western-union-finops.yml
- 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
- type: DataProcessing
  url: privacy/western-union-privacy-policy.yml

The Western Union Company API — frequently asked questions

Does The Western Union Company have an API?

Yes. APIs.io lists 8 APIs from The Western Union Company, including Western Union Open Banking API, western-union Balances API and western-union Batches API, and 5 more.

Is there an OpenAPI specification for the The Western Union Company API?

Yes. APIs.io indexes 7 OpenAPI specifications for The Western Union Company, each linked for download from this page.

How do I authenticate with the The Western Union Company API?

The Western Union Company documents its authentication (mutualTLS · 1 scheme). The details are profiled on APIs.io as The Western Union Company Authentication.

How much does the The Western Union Company API cost?

APIs.io lists 1 pricing plan for The Western Union Company, with each plan's price, limits and inclusions under Pricing on this page.

Is the The Western Union Company API ready for AI agents?

The Western Union Company has a Kin Score of 34.3 out of 100 (thin) and an Agent Readiness score of 26.7 (agent-aware), scored by API Evangelist on 2026-11-13.

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