Discover
Discover Financial Services is a US consumer bank and payments network - credit cards, personal loans, student loans, home equity loans, and online savings and checking accounts - and, through Discover Global Network, one of the four global card acceptance networks, alongside the Diners Club International and PULSE brands. Its developer-facing business is the network side: issuers, acquirers, processors, wallet providers and token requestors integrate through the Discover Partner Product Portal and the invitation-only Discover Developer Center for tokenization, account updating, IIN/BIN lookup, fraud alerts, enhanced decisioning and a set of travel and acceptance tools. Discover's footer now reads "Discover, a division of Capital One, N.A., Member FDIC".
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Discover the way a machine reads it — 25 machine-readable artifacts across 17 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 — Discover scores 48.7/100 (developing), with a separate agent-readiness read of 38/100 (agent ready). 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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Put this on your own site. The badge is drawn live from Discover'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.
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<img src="https://apis.io/badge/discover.svg"
alt="Discover Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/discover/)<!-- Kin Score · API Evangelist -->
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title="Discover on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/discover/card.svg"
alt="Discover 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 Discover
Each block below is one kind of artifact we hold for Discover. 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 17
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.
Discover HCE Wallet Services
Discover HCE Wallet Services offers a secure and convenient way for customers to add their Discover card to their mobile devices for contactless payments. By utilizing Host Card...
Discover SE Wallet Services
Discover SE Wallet Services is a leading financial technology company that specializes in providing secure and innovative digital wallet solutions for consumers. Our platform en...
Discover Side-By-Side Token Services
SXS tokens are alternate tokens provisioned by a Token Requestor in addition to primary tokens they provisioned from front-of-card brands. As the primary token may be subject to...
Discover Stored Token Services
Discover Stored Token Services (DSTS) replaces a customer's Primary Account Number (PAN) with a unique, secure payment token at checkout, for card-on-file, wallet and in-app com...
Discover Airport Lounge & Travel Program
Discover Airport Lounge & Travel Program provides exclusive access to premium airport lounges worldwide, offering travelers a comfortable and luxurious space to relax and unwind...
Discover ATM Locator
Discover ATM Locator is a user-friendly tool that allows cardholders to easily find nearby ATMs where they can access their accounts and withdraw cash. By simply entering their ...
Diners Club International Customer Service
Diners Club International customer service capability offered to Diners Club franchisees and partners through the Discover Global Network partner product portal. The product pag...
Discover Enhanced Decisioning API
Discover Enhanced Decisioning API is a powerful tool that allows businesses to make smarter and faster decisions by leveraging advanced data analytics and machine learning algor...
Discover Fraud Alerts
Discover Fraud Alerts is a service provided by Discover Financial Services that helps protect cardholders from unauthorized and fraudulent activity on their accounts. When unusu...
Discover Country Acceptance
Discover Country Acceptance is a financial institution that specializes in providing loans to individuals in rural and underserved communities. They understand the unique challe...
Discover Currency Converter
Discover Currency Converter is a user-friendly tool that allows individuals to easily convert between different currencies. With a simple interface, users can input the amount o...
Discover Tip Etiquette
Discover Tip Etiquette is a platform designed to educate individuals on the proper etiquette and practices when it comes to tipping. This includes providing guidance on how much...
Discover Travel Guides
Discover Travel Guides is a comprehensive travel planning and booking service that helps travelers create unforgettable and seamless travel experiences. From researching destina...
Discover Payment Account Reference
Payment Account Reference (PAR) gives merchants and solution providers an aggregated view of a customer's account without exposing the PAN or the payment token. PAR is the EMVCo...
Discover IIN Data Lookup Service
The IIN Data Lookup Service returns up-to-date Issuer Identification Number (BIN) range data so an acquirer, processor or merchant can identify the issuer, the card product and ...
Discover Network Account Updater
Discover Network Account Updater keeps recurring and stored card-on-file payment credentials current so merchants can keep processing payments without interruption when a card i...
Discover Issuer Card Account Services
Issuer Card Account Services (iCAS) is the Discover Global Network capability issuers use to manage changes to card accounts across the life of the account. The published surfac...
Scroll within the panel for all 17 ·
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Discover Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Discover Finops
FINOPSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Discover Webhooks
ASYNCAPISecurity Posture 3
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 Discover — 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 7
Portal, sign-up, and the first successful call
Scroll within the panel for all 7 ·
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 5
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/discover · machine-readable index on apis.io
This is an independent, third-party profile of Discover, 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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