Spade
Spade is a real-time transaction enrichment and merchant intelligence platform for financial services. Its API transforms raw, messy card, transfer, and universal transaction records into clean, structured, verified merchant, location, and category data with sub-50ms latency. Fintechs, banks, and card issuers use Spade for authorization decisions, rewards attribution, recurring-payment detection, risk and fraud signals, spend analytics, and category personalization, plus merchant search and account/program/user/card-scoped action triggers. Spade operates east and west US sandbox and production environments and is SOC 2 Type II certified.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Spade the way a machine reads it — 25 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 — Spade scores 70.1/100 (exemplar), 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
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</a>[](https://providers.apievangelist.com/providers/spade/)<!-- Kin Score · API Evangelist -->
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title="Spade on API Evangelist — API profile and Kin Score">
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alt="Spade 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 Spade
Each block below is one kind of artifact we hold for Spade. 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 8
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.
Spade Card Enrichment API
Enrich card transactions
Spade Category Action Triggers API
Register category action triggers and receive triggered actions in enrichment responses
Spade Category Personalization API
Create custom categories and personalize enrichments
Spade Feedback and Reporting API
Provide feedback on card events or report enrichment errors
Spade Merchant Action Triggers API
Register merchant action triggers and receive triggered actions in enrichment responses
Spade Merchant Search API
Search for Spade merchants
Spade Transfer Enrichment API
Enrich transfers
Spade Universal Enrichment API
The Universal Enrichment API from Spade — 3 operation(s) for universal enrichment.
Scroll within the panel for all 8 ·
Open Collections 9
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 COLLECTIONSpade Card Enrichment API
OPEN COLLECTIONSpade Card Enrichment Category Action Triggers API
OPEN COLLECTIONSpade Card Enrichment Category Personalization API
OPEN COLLECTIONSpade Card Enrichment Feedback and Reporting API
OPEN COLLECTIONSpade Card Enrichment Merchant Action Triggers API
OPEN COLLECTIONSpade Card Enrichment Merchant Search API
OPEN COLLECTIONSpade Card Enrichment Transfer Enrichment API
OPEN COLLECTIONSpade Card Enrichment Universal Enrichment API
OPEN COLLECTIONScroll within the panel for all 9 ·
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.
Spade Plans Pricing
PLANSRate 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.
Spade 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.
Spade Webhooks
ASYNCAPISecurity Posture 4
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.
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.
Resources
Every other property we hold for Spade — 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 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
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 6
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 3
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/spade · machine-readable index on apis.io
This is an independent, third-party profile of Spade, 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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