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Method Financial

Method (Method Financial) is the infrastructure layer for consumer liability data and payments. Its API lets developers create entities, verify identity, and use Connect to discover a user's complete liability picture across 15,000+ institutions (credit cards, auto loans, student loans, mortgages, personal loans) without credential sharing, then normalize that data and move money via ACH to pay down those liabilities. Additional products include credit scores, card-brand enrichment, financial attributes, transactions, updates/subscriptions for monitoring, reports, and embeddable UI (Opal/Elements). Method powers lending, personal finance management, and commerce/card-linking use cases.

agent native

Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.

Kin Score

API Evangelist profiles Method Financial the way a machine reads it — 249 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 — Method Financial scores 69.5/100 (exemplar), with a separate agent-readiness read of 43/100 (agent native). 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 Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0
Composite quality — 69.5/100 · exemplar
Contract Quality 19.0 / 25
Access Clarity 8.4 / 20
Discoverability 7.8 / 10
Method Financial Kin Score — API readiness rating by API Evangelist

Put this on your own site. The badge is drawn live from Method Financial'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/methodfi/"
   title="Method Financial on API Evangelist — API profile and Kin Score">
  <img src="https://apis.io/badge/methodfi.svg"
       alt="Method Financial Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>

More shapes, themes and sizes → · Score as JSON · How badges work

How we profile Method Financial

Each block below is one kind of artifact we hold for Method Financial. 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 44

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.

MethodFi Account Attributes API

Attribute data for accounts

MethodFi Account Balances API

Balance data for accounts

MethodFi Account Card Brands API

Card brand information for accounts

MethodFi Account Consent API

Consent management for accounts

MethodFi Account Payment Instruments API

Payment instruments for accounts

MethodFi Account Payoffs API

Payoff data for accounts

MethodFi Account Products API

Products associated with accounts

MethodFi Account Sensitive API

Sensitive data for accounts

MethodFi Account Subscriptions API

Subscriptions for accounts

MethodFi Account Transactions API

Transactions for accounts

MethodFi Account Updates API

Update records for accounts

MethodFi Account Verification Sessions API

Verification sessions for accounts

MethodFi Accounts API

Financial accounts (ACH, liability, clearing, debit card)

MethodFi Card Products API

Card product definitions

MethodFi Elements API

Client-side Element endpoints

MethodFi Entities API

Individuals, corporations, and receive-only entities

MethodFi Entity Attributes API

Attribute data for entities

MethodFi Entity Connects API

Account connection sessions for entities

MethodFi Entity Consent API

Consent management for entities

MethodFi Entity Credit Scores API

Credit score data for entities

MethodFi Entity Identities API

Identity verification data for entities

MethodFi Entity Products API

Products associated with entities

MethodFi Entity Subscriptions API

Subscriptions for entities

MethodFi Entity Vehicles API

Vehicle data for entities

MethodFi Entity Verification Sessions API

Verification sessions for entities

MethodFi Events API

Webhook event log

MethodFi Forwarding Requests API

Request forwarding with sensitive data injection

MethodFi Managed Accounts API

Method-managed accounts

MethodFi Merchants API

Merchant directory

MethodFi Opal API

Opal client-side session and token management

MethodFi Payment Reversals API

Reversals for payments

MethodFi Payments API

ACH and clearing payments

MethodFi Ping API

Health check endpoint

MethodFi Public Keys API

Public key discovery endpoints for Message-Level Encryption.

MethodFi Reports API

Downloadable reports

MethodFi Secrets API

Secure secret storage

MethodFi Simulate Accounts API

Sandbox account simulation

MethodFi Simulate Entities API

Sandbox entity simulation

MethodFi Simulate Events API

Sandbox event simulation

MethodFi Simulate Payments API

Sandbox payment simulation

MethodFi Teams API

Team and API key management

MethodFi Webhooks API

Webhook subscriptions

MethodFi Connect API

Liability discovery across Method's institution network.

MethodFi Transactions API

Transaction history for an account.

Scroll within the panel for all 44 ·

Postman Collections 42

A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.

Ready-to-run Postman collections for exercising this provider's APIs.

Scroll within the panel for all 42 ·

Open Collections 46

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

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

API Collection

OPEN COLLECTION

Method Financial API

OPEN COLLECTION

Scroll within the panel for all 46 ·

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.

Method API Docs

Method serves a remote MCP server on its own docs host (https://docs.methodfi.com/mcp, Mintlify-hosted). A probed tools/list (2026-10-12, HTTP 200, no auth) returned three DOCUM...

MCP SERVER

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.

Methodfi Rate Limits

6 limits

RATE LIMITS

FinOps 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.

Event 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.

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

Methodfi Context

120 classes · 214 properties

JSON-LD

Spectral Rules 1

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

Method Financial API Rules

17 rules · 11 errors · 2 warnings

SPECTRAL

JSON Schema 106

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

AccountAttributeListResponse

0 properties

JSON SCHEMA

AccountAttributeResponse

0 properties

JSON SCHEMA

AccountBalanceListResponse

0 properties

JSON SCHEMA

AccountBalanceResponse

0 properties

JSON SCHEMA

AccountCardBrandListResponse

0 properties

JSON SCHEMA

AccountCardBrandResponse

0 properties

JSON SCHEMA

AccountConsentUpdateRequest

2 properties

JSON SCHEMA

AccountCreateRequest

0 properties

JSON SCHEMA

AccountListResponse

0 properties

JSON SCHEMA

AccountPaymentInstrumentCreateRequest

1 properties

JSON SCHEMA

AccountPaymentInstrumentListResponse

0 properties

JSON SCHEMA

AccountPaymentInstrumentResponse

0 properties

JSON SCHEMA

AccountPayoffListResponse

0 properties

JSON SCHEMA

AccountPayoffResponse

0 properties

JSON SCHEMA

AccountProductListResponse

0 properties

JSON SCHEMA

AccountProductResponse

0 properties

JSON SCHEMA

AccountResponse_2

10 properties

JSON SCHEMA

AccountResponse

0 properties

JSON SCHEMA

AccountSensitiveCreateRequest

1 properties

JSON SCHEMA

AccountSensitiveListResponse

0 properties

JSON SCHEMA

AccountSensitiveResponse

0 properties

JSON SCHEMA

AccountSubscriptionCreateRequest

1 properties

JSON SCHEMA

AccountSubscriptionListResponse

0 properties

JSON SCHEMA

AccountSubscriptionResponse

0 properties

JSON SCHEMA

AccountTransactionListResponse

0 properties

JSON SCHEMA

AccountTransactionResponse

0 properties

JSON SCHEMA

AccountUpdateListResponse

0 properties

JSON SCHEMA

AccountUpdateRequest

2 properties

JSON SCHEMA

AccountUpdateResponse

0 properties

JSON SCHEMA

AccountVerificationSessionResponse

0 properties

JSON SCHEMA

BalanceResponse

5 properties

JSON SCHEMA

CardProductResponse

0 properties

JSON SCHEMA

ConnectResponse

5 properties

JSON SCHEMA

CreateEntityRequest

0 properties

JSON SCHEMA

CreateEntitySubscriptionRequest

2 properties

JSON SCHEMA

EntityAttributeListResponse

0 properties

JSON SCHEMA

EntityAttributeResponse

0 properties

JSON SCHEMA

EntityConnectListResponse

0 properties

JSON SCHEMA

EntityConnectResponse

0 properties

JSON SCHEMA

EntityCreateRequest

5 properties

JSON SCHEMA

EntityCreditScoreListResponse

0 properties

JSON SCHEMA

EntityCreditScoreResponse

0 properties

JSON SCHEMA

EntityIdentityListResponse

0 properties

JSON SCHEMA

EntityIdentityResponse

0 properties

JSON SCHEMA

EntityProductListResponse

0 properties

JSON SCHEMA

EntityProductResponse

0 properties

JSON SCHEMA

EntityResponse_2

11 properties

JSON SCHEMA

EntityResponse

0 properties

JSON SCHEMA

EntitySubscriptionListResponse

0 properties

JSON SCHEMA

EntitySubscriptionResponse

0 properties

JSON SCHEMA

EntityVehicleListResponse

0 properties

JSON SCHEMA

EntityVehicleResponse

0 properties

JSON SCHEMA

EntityVerificationSessionListResponse

0 properties

JSON SCHEMA

EntityVerificationSessionRequest

4 properties

JSON SCHEMA

EntityVerificationSessionResponse

0 properties

JSON SCHEMA

EventListResponse

0 properties

JSON SCHEMA

EventResponse

0 properties

JSON SCHEMA

ForwardingRequestCreateRequest

6 properties

JSON SCHEMA

ForwardingRequestResponse

0 properties

JSON SCHEMA

ManagedAccountListResponse

0 properties

JSON SCHEMA

ManagedAccountResponse

0 properties

JSON SCHEMA

ManagedAccountTransactionListResponse

0 properties

JSON SCHEMA

MerchantListResponse

0 properties

JSON SCHEMA

MerchantResponse_2

6 properties

JSON SCHEMA

MerchantResponse

0 properties

JSON SCHEMA

MethodPublicKeyResponse

0 properties

JSON SCHEMA

MLEPublicKeyCreateRequest

1 properties

JSON SCHEMA

MLEPublicKeyListResponse

0 properties

JSON SCHEMA

MLEPublicKeyResponse

0 properties

JSON SCHEMA

ObjectResponse

0 properties

JSON SCHEMA

OpalNullResponse

0 properties

JSON SCHEMA

OpalSessionResponse

0 properties

JSON SCHEMA

OpalTokenCreateRequest

10 properties

JSON SCHEMA

OpalTokenResponse

0 properties

JSON SCHEMA

PaymentCreateRequest

8 properties

JSON SCHEMA

PaymentListResponse

0 properties

JSON SCHEMA

PaymentResponse_2

9 properties

JSON SCHEMA

PaymentResponse

0 properties

JSON SCHEMA

PaymentReversalListResponse

0 properties

JSON SCHEMA

PaymentReversalResponse

0 properties

JSON SCHEMA

PaymentReversalUpdateRequest

1 properties

JSON SCHEMA

ReportCreateRequest

1 properties

JSON SCHEMA

ReportResponse

0 properties

JSON SCHEMA

SearchEntityVehiclesRequest

0 properties

JSON SCHEMA

SecretCreateRequest

2 properties

JSON SCHEMA

SecretListResponse

0 properties

JSON SCHEMA

SecretResponse

0 properties

JSON SCHEMA

TeamCreateRequest

1 properties

JSON SCHEMA

TeamEncryptionKeyRequest

1 properties

JSON SCHEMA

TeamResponse

0 properties

JSON SCHEMA

TransactionListResponse

1 properties

JSON SCHEMA

UpdateEntityConsentRequest

2 properties

JSON SCHEMA

UpdateEntityRequest

4 properties

JSON SCHEMA

WebhookCreateRequest

6 properties

JSON SCHEMA

WebhookDeleteResponse

0 properties

JSON SCHEMA

WebhookListResponse

0 properties

JSON SCHEMA

WebhookResponse_2

5 properties

JSON SCHEMA

WebhookResponse

0 properties

JSON SCHEMA

WebhookUpdateRequest

1 properties

JSON SCHEMA

WellKnownJwksResponse

1 properties

JSON SCHEMA

Scroll within the panel for all 106 ·

Security 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.

Methodfi Authentication

http · 2 schemes

SECURITY

Methodfi Domain Security

TLSv1.2 · DMARC

SECURITY

Methodfi Trust Center

SOC 2, PCI DSS

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

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

Methodfi Agentic Access

146 operations · 60 acting

146 operations · 60 acting

AGENTIC

Resources

Every other property we hold for Method Financial — 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.

Documentation 2

Reference material describing how the API behaves

← All providers · Data indexed from github.com/api-evangelist/methodfi · machine-readable index on apis.io

Where this information came from

This is an independent, third-party profile of Method Financial, 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.

info@apievangelist.com · Read the full data-sourcing policy →
On a security or compliance team? Put security in the subject line and you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.