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Mastercard Open Finance US (Finicity) API

Mastercard (Finicity) · Finicity · Account aggregation · www.finicity.com

Open: self-serve docs and keys Last checked Oct 17, 2026

Mastercard Open Finance US, provided by Finicity, is a REST API with a self-serve Sandbox project and a published OpenAPI 3.0.3 spec. Investment account data comes through the general account and transaction APIs, and Production access requires a contract with Mastercard.

Developer surface

Open any row to see the page it came from, the exact words on that page and when we checked. "Not found" means we looked on the public pages listed in the note and the fact wasn't there.

API access Open: self-serve docs and keys
Checked on the source's own page · Oct 17, 2026
“Open Finance provides Sandbox and Production environments.”
Source
https://developer.mastercard.com/open-finance-us/documentation/onboarding/
Checked
Oct 17, 2026
Note
Sandbox project is created in the developer dashboard (account sign-up). Production access requires an executed contract with Mastercard, per the Moving to Production section.
Developer docs developer.mastercard.com
Checked on the source's own page · Oct 17, 2026
“Mastercard Open Finance US enables simple and secure financial data sharing for consumer and small business applications.”
Source
https://developer.mastercard.com/open-finance-us/documentation/
Checked
Oct 17, 2026
API style REST
Checked on the source's own page · Oct 17, 2026
“To use the Open Finance REST APIs, you will need the following:”
Source
https://developer.mastercard.com/open-finance-us/documentation/onboarding/
Checked
Oct 17, 2026
Authentication Partner credentials
Checked on the source's own page · Oct 17, 2026
“To create a token, you are required to provide the PartnerID along with the corresponding secret and appKey.”
Source
https://developer.mastercard.com/open-finance-us/documentation/onboarding/
Checked
Oct 17, 2026
Note
Partner ID, secret and app key are exchanged for a token sent in the Finicity-App-Token header; tokens are valid for two hours.
How to get access Create a Sandbox project in the developer dashboard to get a Partner ID, secret and app key; request Production access from the project Summary page, which needs an executed contract with Mastercard.
Checked on the source's own page · Oct 17, 2026
“To request Production access, click the Request Production access button on the Summary page.”
Source
https://developer.mastercard.com/open-finance-us/documentation/onboarding/
Checked
Oct 17, 2026
Sandbox Yes, self-serve
Checked on the source's own page · Oct 17, 2026
“A Sandbox project gives you access to the Open Finance Test Drive plan. Test Drive is a non-billable, unlimited plan that provides access to all Open Finance API endpoints.”
Source
https://developer.mastercard.com/open-finance-us/documentation/onboarding/
Checked
Oct 17, 2026
Rate limits Not found
Not found · Oct 17, 2026
Checked
Oct 17, 2026
Note
No numeric rate limits found on the overview, API basics (onboarding), quick start, webhooks or release history pages. The onboarding page says the App Key controls the rate limit and that invalid keys have a rate limit of 0.
Webhooks Yes
Checked on the source's own page · Oct 17, 2026
“Webhooks deliver real-time event notifications for Data Connect, TxPUSH and report generation.”
Source
https://developer.mastercard.com/open-finance-us/documentation/
Checked
Oct 17, 2026
SDKs Data Connect SDKs (Web, iOS, Android, React Native), client libraries generatable from the OpenAPI spec (Java, C#, JavaScript, Python and more)
Checked on the source's own page · Oct 17, 2026
“Generate type-safe client libraries from the API specification for Java, C#, JavaScript, Python, and more”
Source
https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/
Checked
Oct 17, 2026
Note
Docs nav also lists Data Connect Web, iOS, Android and React Native SDK pages (nav labels only; those pages were not captured). A Postman collection is also documented.
OpenAPI spec Published
Checked on the source's own page · Oct 17, 2026
“OpenAPI specification for Finicity APIs.”
Source
https://static.developer.mastercard.com/content/open-finance-us/swagger/openbanking-us.yaml
Checked
Oct 17, 2026
Note
Linked from the documentation overview as 'OpenAPI specification': https://static.developer.mastercard.com/content/open-finance-us/swagger/openbanking-us.yaml (OpenAPI 3.0.3).
Partner program Partner Linked Access and Partner Direct Model participant models documented
Checked on the source's own page · Oct 17, 2026
“This page is intended for clients (application developers) who wish to obtain and share an access token (consent receipt) to allow their customers to consent to allow a third party processor to access some of their details”
Source
https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-linked/client/client-steps/
Checked
Oct 17, 2026
Note
A documented partner-linked model for sharing consent with a payment processor; this is a data-sharing model, not a vendor partner-listing program.
Public integration list Not found
Not found · Oct 17, 2026
Checked
Oct 17, 2026
Note
No public list of integrations found on the documentation pages read.
Ways to connect Native API
Checked on the source's own page · Oct 17, 2026
“Eligible investment accounts are returned through the regular Account Aggregation and Transaction Data APIs with no need for any additional API calls.”
Source
https://developer.mastercard.com/open-finance-us/documentation/usecases/investment-data/
Checked
Oct 17, 2026

MCP servers and AI connectors

What the docs don't say

Changes

No changes recorded since this record was first published (Oct 17, 2026). Changes show up here and in the changelog.

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