Cardless
Cardless, Inc. is a San Francisco fintech that operates an embedded co-branded credit card platform, letting consumer brands launch and run their own credit card programs natively inside their own apps and websites. The platform pairs a partner API surface with pre-built components covering the full credit journey — application and identity verification, real-time decisioning, checkout with instant virtual cards, card management and transaction disputes — while Cardless handles issuing-bank relationships, card production, underwriting, fraud, KYC/AML compliance, servicing and support behind the scenes. It is network-agnostic across Visa, Mastercard and American Express. Named partners include Coinbase (Coinbase One Card), Bilt, Qatar Airways Privilege Club, Alibaba.com, LATAM Airlines, Avianca LifeMiles, TAP Air Portugal and Avelo Airlines. Developer documentation at docs.cardless.com is gated behind a partner login, so no public OpenAPI, SDKs or sandbox credentials are published.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Cardless the way a machine reads it — 6 machine-readable artifacts across 2 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Cardless scores 29.1/100 (thin), with a separate agent-readiness read of 20/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-08-17 · rubric v0.11.0
Put this on your own site. The badge is drawn live from Cardless's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/cardless/"
title="Cardless on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/cardless.svg"
alt="Cardless Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/cardless/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/cardless/"
title="Cardless on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/cardless/card.svg"
alt="Cardless Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Cardless
Each block below is one kind of artifact we hold for Cardless. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 2
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Cardless Partner API
The Cardless partner API surface used by brands to embed a co-branded credit card program: partner authentication (Basic-auth exchange of a partner-signed JWT for a bearer acces...
Cardless Docs MCP Server
A remote Model Context Protocol server published by Cardless at docs.cardless.com/mcp (Mintlify-hosted). It answers tools/list anonymously and exposes three read-oriented tools ...
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
cardless-mcp.yml
MCP SERVERSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Resources
Every other property we hold for Cardless — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 4
Pagination, idempotency, versioning, errors, and events
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/cardless · machine-readable index on apis.io
This is an independent, third-party profile of Cardless, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.