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The only suite of financial infrastructure APIs to build programmable experiences around any real-time payment card transaction.

Live now
    United KingdomUnited Kingdom
    IrelandIreland
    United StatesUnited States
    CanadaCanada
For Canada: Visa© and Mastercard© only.
In beta
SwedenSweden
NorwayNorway
FinlandFinland
On our radar
AustraliaAustralia
New ZealandNew Zealand
SingaporeSingapore
JapanJapan

Previously referred to as the Transactions APILink directly to customer cards through our secure SDKs and easily surface real-time transaction data from Visa©, Mastercard© and Amex©.

  • ShapeCreated with Sketch.Eliminate friction for customers and build flexible, personalized experiences.
  • ShapeCreated with Sketch.Receive detailed, granular customer transaction data in real-time.
  • ShapeCreated with Sketch.Use location and merchant data to pinpoint exactly where and when customers are spending.
  • ShapeCreated with Sketch.Protect privacy with PCI compliant SDKs that securely tokenize card data.

Transaction object

JSON
{
  "id": "7fdfd5d8-9589-402f-8477-4a727ad138a2",
  "accountId": "4ed4b72b-aa4c-43a1-8054-da6d1368e17a",
  "amount": 100,
  "auth": true,
  "cleared": false,
  "created": "2019-04-09T16:00:00.644Z",
  "currency": "GBP",
  "datetime": "2019-04-10T15:59:30",
  "offer": null,
  "programId": "6e38aa0c-b7ef-46bd-b1bd-c07c647d9cba",
  "updated": "2019-04-09T16:00:00.644Z",
  "wallet": "apple-pay",
  "brand": {
    "id": "9d136f2e-df99-4a08-a0a5-3bc1534b7db8",
    "logoUrl": "https://coffeebrand.com/logo.png",
    "name": "Coffee Brand"
  },
  "card": {
    "id": "bc538b71-31c5-4699-820a-6d4a08693314",
    "firstNumbers": "555500",
    "lastNumbers": "5001",
    "scheme": "visa",
    "metadata": {
      "id": "00012345",
      "name": "Joseph Cooper"
    }
  },
  "identifiers": {
    "amexApprovalCode": "AA00BB",
    "mastercardRefNumber": "AABBCCDDE",
    "mastercardTransactionSequenceNumber": "0000001234567",
    "MID": "8552067328",
    "visaAuthCode": "A73H890"
  },
  "location": {
    "id": "7a916fbd-70a0-462f-8dbc-bd7dbfbea140",
    "address": "53 Frith Street",
    "city": "London",
    "countryCode": "GBR",
    "postcode": "W1D 4SN",
    "timezone": "Europe/London",
    "geolocation": {
      "latitude": 51.513716,
      "longitude": -0.13202
    },
    "metadata": {
      "id": "0001234567",
      "name": "Coffee Brand HQ"
    }
  }
}

Read the docs

Link directly to customer cards through our secure SDKs and easily surface real-time transaction data from Visa©, Mastercard© and Amex© every time a purchase is made.

  • ShapeCreated with Sketch.Engage users the moment the transaction occurs with a highly personalized experience.
  • ShapeCreated with Sketch.Access consistent payment data instantaneously.
  • ShapeCreated with Sketch.Remove the burden of PCI compliance with Fidel’s Verified Card Enrollment SDK.

Transaction object

JSON
{
  "accountId": "f61741c3-3dc9-45f5-8e7c-123456789012",
  "amount": 486,
  "auth": true,
  "authCode": "00856I",
  "billingAmount": 4.43,
  "billingCurrency": "USD",
  "brand": {
    "name": "TASKCHUTE CLOUD"
  },
  "card": {
    "firstNumbers": "123456",
    "id": "159cad70-8187-4d01-8b67-123456789012",
    "lastNumbers": "1234",
    "scheme": "visa"
  },
  "cleared": true,
  "created": "2021-08-05T20:10:31.746Z",
  "currency": "JPY",
  "datetime": "2021-08-05T20:10:28",
  "id": "a6e9759c-525b-4942-aa56-123456789012",
  "identifiers": {
    "amexApprovalCode": null,
    "mastercardAuthCode": null,
    "mastercardRefNumber": null,
    "mastercardTransactionSequenceNumber": null,
    "visaAuthCode": "00856I"
  },
  "location": {
    "countryCode": "JPN",
    "postcode": "340-0144",
    "state": "SAITAMA"
  },
  "merchantCategoryCode": "4816",
  "programId": "9ba1adb2-22e8-4c7e-b100-123456789012",
  "programType": "transaction-stream",
  "updated": "2021-08-11T11:31:18.543Z",
  "wallet": null
}

Create and manage card-linked offers with a variety of retailers – all in one place.

  • ShapeCreated with Sketch.Partner with more businesses on card-linked offers and promotions.
  • ShapeCreated with Sketch.Access and manage all offers information on one platform.
  • ShapeCreated with Sketch.Understand buyer behaviour by tracking transactional data across all offers in real time.

Offer object

JSON
{
  "id": "49b407ef-508a-432b-900c-a04e5e6ac86c",
  "additionalTerms": "none",
  "brandId": "e4928475-6a39-41e6-8484-951202d43de9",
  "brandName": "Starbucks",
  "brandLogoURL": "https://starbucks.com/logo.png",
  "countryCode": "USA",
  "created": "2018-10-19T12:12:00.000Z",
  "currency": "USD",
  "daysOfWeek": [0,1,2,3,4,5,6],
  "endDate": "2019-06-24T13:13:00.000Z",
  "feeSplit": 70,
  "locationsFile": "./all_locations.csv",
  "locationsTotal": 240,
  "maxRedemption": 1000,
  "maxRedemptionCounter": 730,
  "minTransactionAmount": 150,
  "name": "20% Off Everything",
  "performanceFee": 4,
  "priority": 1,
  "programId": "f446d575-d8c2-4a9e-8e12-ffd970d1a6t",
  "publisherId": "d346d574-d5c2-4a0e-8e02-ffd713fd1a9d",
  "returnPeriod": 30,
  "schemes": [
    "amex",
    "mastercard",
    "visa"
  ],
  "startDate": "2018-10-19T00:00:00.000Z",
  "status": "ACTIVE",
  "type": {
    "name": "discount",
    "value": 20
  },
  "updated": "2018-10-19T12:12:00.000Z",
  "userId": "82c5a9ed-5301-46ab-8599-6bcb0d017cc6"
}

Read the docs

Reimburse customers easily, quickly and more securely than ever before with direct payments onto linked cards.

  • ShapeCreated with Sketch.Improve the customer experience by reimbursing cash directly onto linked cards.
  • ShapeCreated with Sketch.Eliminate the need to handle other personal identifiable data, such as bank account.
  • ShapeCreated with Sketch.Save time and resources by automatic approvals, tracking and issuing of reimbursements to users once a claim is filed.
  • ShapeCreated with Sketch.Available now in the US for debit and credit cards by Visa© and Mastercard©

Transaction object with reimbursement

JSON
{
    "id": "7fdfd5d8-9589-402f-8477-4a727ad239a2",
    "accountId": "4ed4b62b-aa4c-43a1-8064-da6d1368e17a",
    "programId": "6e38aa0c-b7ef-46bd-b1bd-c07c648d9cba",
    "datetime": "2021-08-20T11:11:11",
    "created": "2021-08-20T11:11:11.000Z",
    "updated": "2021-08-20T11:11:11.000Z",
    "auth": true,
    "cleared": true,
    "amount": 5,
    "currency": "USD",
    "wallet": null,
    "card": {
      "id": "bc538b71-31c5-4699-840a-6d4a08693314",
      "firstNumbers": "555500",
      "lastNumbers": "5001",
      "scheme": "visa",
      "metadata": {
        "customKey1": "customValue1",
        "customKey2": "customValue2"
      }
    },
    "brand": {
      "id": "9d136f2e-df99-4a08-a0a5-3bc1534b7db9",
      "name": "Starbucks",
      "logoUrl": null
    },
    "location": {
      "id": "7a916fbd-70a0-462f-8dbc-bd7dbfbea160",
      "address": "5th Avenue",
      "city": "New York",
      "postcode": "10016",
      "countryCode": "USA",
      "timezone": "America/New_York",
      "geolocation": {
        "latitude": 43.9168069,
        "longitude": -73.3044301
      },
      "metadata": {
        "customKey1": "customValue1",
        "customKey2": "customValue2"
      }
    },
    "offer": null,
    "identifiers": {
      "MID": "123456789",
      "mastercardTransactionSequenceNumber": "0000000000000",
      "mastercardRefNumber": "AABBCCDDE",
      "amexApprovalCode": "AA00BB",
      "visaAuthCode": "000000",
      "mastercardAuthCode": null
    },
    "reimbursementEligible": false,
    "reimbursement": {
      "amount": 2.55,
      "created": "2021-09-30T11:11:11.000Z",
      "creditsTransactionId": "1250ab5a-0661-4a06-a40c-8514093a9241",
      "description": "Earned Stars",
      "status": "issued"
    }
  }

Read the docs