Northmill
Northmill Bank AB is a Swedish technology-driven bank, founded in Stockholm in 2006 and licensed by Finansinspektionen in 2019, that serves roughly 600,000 private customers and 2,500 businesses across Sweden, Norway and Finland with savings accounts, cards, personal and business lending, business accounts, Swish and card acquiring. Through its Northmill Flo business unit (formerly MoreFlo, acquired and rebranded) it also ships point-of-sale, booking, checkout and e-commerce products for retail and hospitality merchants. Its public developer surface is the Flo API - a Swagger 2.0 REST contract published at api.moreflo.com with 199 operations over articles, stock, orders, receipts, customers, bookings, campaigns, vouchers, SMS and webhooks - alongside a PSD2 open-banking interface for third-party providers documented under the Northmill Bank brand and delivered on Token.io infrastructure.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Northmill the way a machine reads it — 38 machine-readable artifacts across 1 API, 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 — Northmill scores 55.7/100 (strong), with a separate agent-readiness read of 27/100 (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. 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 2026-09-01 · rubric v0.18.0
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</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Northmill
Each block below is one kind of artifact we hold for Northmill. 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 31
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.
Northmill Bank Open Banking API for TPPs
Northmill Bank's PSD2 third-party-provider interface, covering Account Information Services (AIS) and Confirmation of Available Funds (CBPII/CAF), with request signing via ES256...
Northmill Account Codes API
The AccountCodes API from Northmill — 4 operation(s) for accountcodes.
Northmill Accounting Settings API
The AccountingSettings API from Northmill — 6 operation(s) for accountingsettings.
Northmill Articles API
The Articles API from Northmill — 10 operation(s) for articles.
Northmill Articles Availability API
The ArticlesAvailability API from Northmill — 2 operation(s) for articlesavailability.
Northmill Article Sets API
The ArticleSets API from Northmill — 4 operation(s) for articlesets.
Northmill Bookable Resource Event Instances API
The BookableResourceEventInstances API from Northmill — 2 operation(s) for bookableresourceeventinstances.
Northmill Bookable Resources API
The BookableResources API from Northmill — 2 operation(s) for bookableresources.
Northmill Booking Orders API
The BookingOrders API from Northmill — 6 operation(s) for bookingorders.
Northmill Brands API
The Brands API from Northmill — 4 operation(s) for brands.
Northmill Campaigns API
The Campaigns API from Northmill — 4 operation(s) for campaigns.
Northmill Cash Cards API
The CashCards API from Northmill — 2 operation(s) for cashcards.
Northmill Cashier Users API
The CashierUsers API from Northmill — 2 operation(s) for cashierusers.
Northmill Customers API
The Customers API from Northmill — 8 operation(s) for customers.
Northmill Groups API
The Groups API from Northmill — 4 operation(s) for groups.
Northmill Health API
The Health API from Northmill — 1 operation(s) for health.
Northmill Locations API
The Locations API from Northmill — 4 operation(s) for locations.
Northmill Online Solutions API
The OnlineSolutions API from Northmill — 10 operation(s) for onlinesolutions.
Northmill Orders API
The Orders API from Northmill — 6 operation(s) for orders.
Northmill Orders V3 API
The OrdersV3 API from Northmill — 6 operation(s) for ordersv3.
Northmill Receipts API
The Receipts API from Northmill — 4 operation(s) for receipts.
Northmill Sales API
The Sales API from Northmill — 2 operation(s) for sales.
Northmill Service Orders API
The ServiceOrders API from Northmill — 4 operation(s) for serviceorders.
Northmill Settings API
The Settings API from Northmill — 4 operation(s) for settings.
Northmill Sms API
The Sms API from Northmill — 2 operation(s) for sms.
Northmill Stores API
The Stores API from Northmill — 2 operation(s) for stores.
Northmill Suppliers API
The Suppliers API from Northmill — 4 operation(s) for suppliers.
Northmill Ticket Orders API
The TicketOrders API from Northmill — 6 operation(s) for ticketorders.
Northmill Vouchers API
The Vouchers API from Northmill — 4 operation(s) for vouchers.
Northmill Web Hook Categories API
The WebHookCategories API from Northmill — 2 operation(s) for webhookcategories.
Northmill Web Hooks API
The WebHooks API from Northmill — 4 operation(s) for webhooks.
Scroll within the panel for all 31 ·
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.
Northmill MCP Server
Northmill ships NO Model Context Protocol server, hosted or local. The tool list below is a CANDIDATE derived one-to-one from the merchant-wide operations of the Flo API Swagger...
MCP SERVERPricing 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.
Northmill Rate Limits
RATE LIMITSEvent 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.
Northmill Flo 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.
Resources
Every other property we hold for Northmill — 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 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 4
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 2
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/northmill · machine-readable index on apis.io
This is an independent, third-party profile of Northmill, 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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