{
  "page": "https://wealthtech.dev/products/finicity",
  "title": "Mastercard Open Finance US (Finicity) API: access, auth, sandbox and MCP",
  "description": "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.",
  "updated": "2026-10-17",
  "data": {
    "$schema": "https://wealthtech.dev/schema/product.schema.json",
    "url": "https://wealthtech.dev/products/finicity",
    "title": "Mastercard Open Finance US (Finicity) API: access, auth, sandbox and MCP",
    "lastChecked": "2026-10-17",
    "id": "finicity",
    "name": "Mastercard Open Finance US (Finicity)",
    "vendor": "Mastercard (Finicity)",
    "website": "https://www.finicity.com/",
    "category": "aggregation",
    "tier": "adjacent",
    "company": "finicity",
    "listed": true,
    "access": {
      "value": "open",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/onboarding/",
      "evidence": "Open Finance provides Sandbox and Production environments.",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-onboarding.txt",
      "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."
    },
    "docsUrl": {
      "value": "https://developer.mastercard.com/open-finance-us/documentation/",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/",
      "evidence": "Mastercard Open Finance US enables simple and secure financial data sharing for consumer and small business applications.",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation.txt",
      "note": null
    },
    "style": {
      "value": [
        "rest"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/onboarding/",
      "evidence": "To use the Open Finance REST APIs, you will need the following:",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-onboarding.txt",
      "note": null
    },
    "auth": {
      "value": [
        "partner-credentials"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/onboarding/",
      "evidence": "To create a token, you are required to provide the PartnerID along with the corresponding secret and appKey.",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-onboarding.txt",
      "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."
    },
    "howToGetAccess": {
      "value": "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.",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/onboarding/",
      "evidence": "To request Production access, click the Request Production access button on the Summary page.",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-onboarding.txt",
      "note": null
    },
    "sandbox": {
      "value": "yes-self-serve",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/onboarding/",
      "evidence": "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.",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-onboarding.txt",
      "note": null
    },
    "rateLimits": {
      "value": null,
      "state": "unknown",
      "checked": "2026-10-17",
      "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": {
      "value": true,
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/",
      "evidence": "Webhooks deliver real-time event notifications for Data Connect, TxPUSH and report generation.",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation.txt",
      "note": null
    },
    "sdks": {
      "value": [
        "Data Connect SDKs (Web, iOS, Android, React Native)",
        "client libraries generatable from the OpenAPI spec (Java, C#, JavaScript, Python and more)"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/quick-start-guide/",
      "evidence": "Generate type-safe client libraries from the API specification for Java, C#, JavaScript, Python, and more",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-quick-start-guide.txt",
      "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": {
      "value": "published",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://static.developer.mastercard.com/content/open-finance-us/swagger/openbanking-us.yaml",
      "evidence": "OpenAPI specification for Finicity APIs.",
      "capture": "evidence/finicity/static-developer-mastercard-com-content-open-finance-us-swagger-openbanking-us-yaml.txt",
      "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)."
    },
    "partnerProgram": {
      "value": "Partner Linked Access and Partner Direct Model participant models documented",
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/participant-model/partner-linked/client/client-steps/",
      "evidence": "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",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-participant-model-partner-bf1da3ed.txt",
      "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."
    },
    "publicIntegrationList": {
      "value": null,
      "state": "unknown",
      "checked": "2026-10-17",
      "note": "No public list of integrations found on the documentation pages read."
    },
    "connectionMechanisms": {
      "value": [
        "native-api"
      ],
      "state": "verified",
      "checked": "2026-10-17",
      "source": "vendor",
      "url": "https://developer.mastercard.com/open-finance-us/documentation/usecases/investment-data/",
      "evidence": "Eligible investment accounts are returned through the regular Account Aggregation and Transaction Data APIs with no need for any additional API calls.",
      "capture": "evidence/finicity/developer-mastercard-com-open-finance-us-documentation-usecases-investment-data.txt",
      "note": null
    },
    "mcp": [
      "finicity-agent-toolkit"
    ],
    "whatDocsDontSay": [
      "No numeric rate limits are published on the pages read.",
      "The Investment Data use case page describes accounts, holdings and related activity but names no separate investments product; investment accounts come through the general account and transaction APIs.",
      "Production access depends on an executed contract with Mastercard, and the pages read state no pricing."
    ],
    "changelog": [],
    "summary": "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.",
    "license": "CC BY 4.0",
    "attribution": "wealthtech.dev",
    "publisher": "wealthtech.dev"
  }
}