emerging · 1.3

Credit Cards

Score 21.0 / 100 84 providers 31 APIs Search apis.io →
Variants seen in the corpus: Credit CardsCredit cards

Providers using this tag (84)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 2 Complete, well-documented, and agent-ready
PAY.JPPaymentsFintechJapan14 APIs78.6PlaidFinancialFintechOpen BankingBank Accounts31 APIs68.2
Strong 5 Solid coverage with minor gaps
MewsHospitalityHotelPMSProperty Management78 APIs60.4IntuitAccountingCustom FieldsFinancialFinancial-Services11 APIs59.2MewsHospitalityHotelProperty ManagementPMS79 APIs58.7ToastRestaurantPoint-of-SalePaymentsOnline Ordering26 APIs55.6UpgradeCompanyFintechLendingBuy Now Pay Later3 APIs54.4
Developing 15 Usable, with meaningful gaps to close
ImprintCompanyFinancial-ServicesFintech14 APIs52.9Cart.comCompanyE-CommerceRetailOrder Management1 API52.7Even FinancialCompanyFinancial-ServicesEmbedded FinanceFintech6 APIs51.0SoFiPersonal FinanceBankingLendingStudent Loans4 APIs48.6ToqioEmbedded FinanceFintechBanking as a ServicePayments49 APIs48.5Authorize.netCompanyPaymentsPayment Gateway1 API48.0KlutchCompanyFinancial-ServicesFintech1 API46.9SheevaCompanyConnected VehiclesAutomotivePayments15 APIs46.7MastercardDigital IdentityFinancial-ServicesFraud Detection249 APIs46.2AIB Group (UK)Financial-ServicesBankingOpen BankingPSD210 APIs44.6Capital OneAuto FinanceAuthorizationsBanking14 APIs44.4Synchrony FinancialFinancial-ServicesCreditPaymentsConsumer Finance9 APIs44.4Vanquis Banking GroupFinancial-ServicesBankingOpen BankingPSD24 APIs43.8SAP ConcurBusiness TravelExpense ManagementFinancial-ServicesInvoice Management32 APIs43.2Authorize.netAccept.jseChecksFraud Detection5 APIs40.2
Thin 9 Limited public surface area
ToastFood ServicePoint-of-SaleRestaurantHospitality23 APIs37.7ChaseAccount AggregationBankingConsent11 APIs37.5PetExecPet CareBoardingDaycareGrooming14 APIs37.3Visa AcceptancePaymentsE-CommerceFintech6 APIs36.8VisaAccountBankingDigital Commerce84 APIs36.1Mastercard Gateway APIGatewayPayment ProcessingPayments2 APIs31.3QuickBooksAccountingBookkeepingSmall BusinessFinancials3 APIs30.3BarclaysBankingFinanceOpen Banking23 APIs28.8MewsHospitalityHotelsPMSProperty Management75 APIs26.6
Emerging 15 Early or largely undocumented
DiscoverFortune 50013 APIs23.1CardlessCompanyFinancial-ServicesFintech2 APIs22.5Alt BankCompanyFintechBankingCredit3 APIs22.2Royal Bank of CanadaFinancial-ServicesBankingCanadaBig Six9 APIs20.5American ExpressFinancial-ServicesPaymentsCard Network12 APIs19.7FalconCompanyInfrastructureFinancial-ServicesBanking1 API19.6FunderaSmall BusinessBusiness LoansFinancial-ServicesLending Marketplace1 API16.4Canadian Tire BankFinancial-ServicesBankingCanadaSchedule I Bank15.6TrovyCompanyFintechHELOCHome Equity13.8Nu (Nubank)NeobankBankingOpen Finance5 APIs13.7UniCompanyFintechCredit13.1AvantCompanyFinancial-ServicesFintechLending12.2KasheeshCompanyFintechPaymentsConsumer Finance11.2ZedCompanyFintechPayments11.2WindenCompanyFintechBusiness Banking11.0
Minimal 38 Almost no public developer surface
JunoPaymentsBillingSubscriptionPix10.9Atlas CardCompanyFintechFinancial-Services10.8Mission LaneCompanyCreditFintech10.7Bilt RewardsCompanyFintechRewardsLoyalty10.3NerdWalletCompanyFintechPersonal FinanceConsumer Finance9.4PC FinancialFinancial-ServicesBankingCanadaSchedule I Bank9.4SouqalmalCompanyFintechPersonal FinanceFinancial Comparison9.3KudosCompanyCreditRewards9.1MercantileCompanyCard IssuingEmbedded Finance9.1YonderCompanyFinancial-ServicesFintech9.1Neo FinancialFinancial-ServicesBankingCanadaFintech9.0SliceBankingNeobankSmall Finance BankConsumer Finance8.9Jupiter MoneyBankingNeobankDigital BankingFintech8.8Barclays USFinancial-ServicesBankingUnited States8.6Circle AsiaCompanyFintechPayments8.6KlarCompanyFintechNeobankBanking8.5MaxRewardsCompanyFintechRewards8.3Amex Bank of CanadaFinancial-ServicesBankingCanadaSchedule II Bank8.2PetalCompanyFinancial-ServicesFintech8.1card.ioCompanyPaymentsMobileSDK8.0Home TrustFinancial-ServicesBankingCanadaTrust Company7.7ArroCompanyFinancial-ServicesFintechCredit7.6TiltCompanyFintechFinancial-ServicesCredit Building7.6TomoCreditCompanyFinancial-ServicesFintechCredit7.6CREDConsumer FintechBill PaymentsRewards6.3AvenCompanyFintechFinancial-ServicesLending5.8Fi MoneyFintechNeobankConsumer BankingPersonal Finance5.0ZetCompanyFintechCredit3.2Brim FinancialFinancial-ServicesBankingCanadaFintech2.9X1CompanyFintechConsumer Finance2.3ConcertoCompanyFintechPayments1.5DeserveCompanyConsumerFintech1.5KonfioSMB LendingBusiness BankingPayment Terminals1.5StoriFinancial-ServicesNeobankDigital BankConsumer Finance1.5TripplusCompanyTravelLoyaltyRewards1.5Uni CardsCompanyFintechPayments1.5First National of NebraskaBankingFinancial-ServicesConsumer Banking0.9TrustCompanyFintechMarketingArtificial Intelligence0.1

APIs with this tag (31)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Exemplar 1 Complete, well-documented, and agent-ready
Plaid Liabilities APIPlaid's Liabilities is part of the Plaid open-finance platform, exposing 2 documented endpoint(s) under the...68.2
Strong 4 Solid coverage with minor gaps
Mews Credit cards APIThe Credit cards API from Mews — 4 operation(s) for credit cards.60.4QuickBooks Payments APIThe QuickBooks Payments API enables developers to process credit card charges, bank account debits (ACH), a...59.2Mews Credit cards APIThe Credit cards API from Mews — 4 operation(s) for credit cards.58.7Toast Credit Cards APIRead tokenized credit-card information attached to orders for receipts, returns, and reconciliation. Toast ...55.6
Developing 11 Usable, with meaningful gaps to close
Cart.com Online Store APIThe Cart.com Online Store API (formerly the AmeriCommerce REST API) is a JSON REST API scoped to a single m...52.7Toqio Credit Cards APIThe Credit Cards API from Toqio — 10 operation(s) for credit cards.48.5Klutch Public APIThe Klutch Public API is a GraphQL API for the Klutch programmable credit card. It exposes enriched transac...46.9Sheeva Credit Cards APIThe Credit Cards API from Sheeva — 5 operation(s) for credit cards.46.7Mastercard Processing Credit APIsThe Mastercard Processing Credit API is designed to specifically address the aspects of the card lifecycle ...46.2AIB Group (UK) Credit Cards Information APICredit Cards Information API providing access to credit card account information under the Open Banking con...44.6Capital One Credit Offers APIThe Capital One Credit Offers API provides approved partners programmatic access to Capital One credit card...44.4Capital One POS Credit Card Application APIThe Capital One POS Credit Card Application API lets merchants embed a Capital One credit card application ...44.4Synchrony Account Management APIThe Synchrony Account Management API provides access to cardholder account information, enabling partners t...44.4Concur Cards APIProvides an automated integration pathway for certified partner financial networks, issuing banks, and fin-...43.2Authorize.net Payment APIThe Authorize.net Payment API enables merchants to process credit card, debit card, eCheck, Apple Pay, Goog...40.2
Thin 5 Limited public surface area
Toast Credit Cards APIThe Toast Credit Cards API is a simple, single-request, synchronous API to authorize credit card transactio...37.7PetExec Credit Cards APIOwner stored payment cards.37.3QuickBooks Payments APIREST API for processing credit card, ACH, and eCheck payments through Intuit's payments platform, with supp...30.3Barclays Card Application APIIntegrate credit card application functionality with real-time status updates.28.8Mews Credit cards APIThe Credit cards API from Mews — 4 operation(s) for credit cards.26.6
Emerging 10 Early or largely undocumented
Discover HCE Wallet ServicesDiscover HCE Wallet Services offers a secure and convenient way for customers to add their Discover card to...23.1Cardless Partner APIThe Cardless partner API surface used by brands to embed a co-branded credit card program: partner authenti...22.5CC Integration APICredit-card module integration API (private, partner B2B) for issuing and managing alt.bank white-label cre...22.2GUARD APIReal-time consumer credit underwriting / risk-assessment API. Partners POST an underwriting request for a c...22.2RBC Credit Card Catalog APISelf-serve informational API on the RBC External Developer Portal exposing RBC credit card product details,...20.5American Express AMEX Account ConnectAMEX Account Connect is a suite of APIs that enables eligible American Express Card Members to add their Ca...19.7American Express Card On-DemandAmerican Express Card On-Demand offers customers the convenience and flexibility of instantly receiving a d...19.7American Express Enhanced Authorization (EA)American Express Enhanced Authorization (EA) is a fraud prevention tool that helps protect cardholders and ...19.7American Express Token Service (AETS) APIThe American Express Token Service (AETS) API allows developers to securely tokenize cardholder data, provi...19.7Falcon APIFalcon's RESTful embedded-finance API for card issuance, lending, and program management. All responses are...19.6

Score breakdown

Frequency
55.9
log-scaled weighted occurrences
Breadth
2.3
spread across providers
Quality lift
27.7
mean composite of providers using it
Cohesion
6.0
strength of nearest seed neighbor

Related tags

Consumer Finance 23 co-occurrences Rewards 16 co-occurrences Mastercard 6 co-occurrences Credit 10 co-occurrences Neobank 7 co-occurrences Loyalty 14 co-occurrences UPI 5 co-occurrences Personal Loans 5 co-occurrences

Where this tag comes from

Api tag30
Provider tag68
Openapi tag6
Openapi op tag28

Cohort brief

Auto-generated

The 84 providers in the APIs.io catalog tagged Credit Cards, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
84
all scored
Mean Kin Score
23
+2.3 vs catalog 20.7
Mean Agent Readiness
11.6
+1.9 vs catalog 9.7
Spread
0.1–78.6
median 12.6 · σ 19.7
How the 84 split by band
Exemplar 2Strong 5Developing 15Thin 9Emerging 15Minimal 38
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Access Clarity 27.3 22.3 +5 84
Contract Quality 20.9 17.5 +3.4 84
Developer Ergonomics 21.3 17.9 +3.4 84
Contract Governance 7.8 6.4 +1.4 84
Operational Transparency 12 11.3 +0.7 84
Discoverability 60.7 60.4 +0.3 84

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 20% 16% +4
MCP server (first-party) 2% 7% -5
Agent Skills 0% 0% 0
OAuth scopes 12% 9% +3
Security 95% 88% +7
Arazzo workflows 4% 2% +2
Governance rules 18% 13% +5

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 PAY.JP 78.6
  2. 2 Plaid 68.2
  3. 3 Mews 60.4
  4. 4 Intuit 59.2
  5. 5 Mews 58.7
  6. 6 Toast 55.6
  7. 7 Upgrade 54.4
  8. 8 Imprint 52.9
  9. 9 Cart.com 52.7
  10. 10 Even Financial 51
Top by Agent Readiness
  1. 1 Klutch 44.1
  2. 2 Visa 41.7
  3. 3 Plaid 37.2
  4. 4 Mews 36.7
  5. 5 Intuit 36.1
  6. 6 Mews 34.9
  7. 7 Vanquis Banking Group 34.4
  8. 8 Toqio 33.6
  9. 9 Mastercard 32.4
  10. 10 Mews 32.4
All 84 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 25 August 2026, across 26891 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

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  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
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  • 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.
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