Finicity API
Finicity, now Mastercard Open Banking, exposes a full REST API documented on the Mastercard developer portal: accounts, transactions, verification reports, and TxPush webhooks. Sandbox access is self-serve after signup; production requires a Mastercard contract.
Frequently asked questions
Finicity scores A+ on Supergood's API Report Card. Finicity, now Mastercard Open Banking, exposes a full REST API documented on the Mastercard developer portal: accounts, transactions, verification reports, and TxPush webhooks. Sandbox access is self-serve after signup; production requires a Mastercard contract.
Finicity has a workable official integration path. Most engineering teams can build against it directly. Open API: self-serve, documented, with SDKs
Finicity is a Salt Lake City-area open banking and financial data aggregation platform founded in 1999 by Steve Smith and Nick Thomas (originally as Mortgagebot/IT-related products, pivoting to financial data aggregation as Finicity in 2000s).
Vertical: Financial Services (open banking / data aggregation / verification infrastructure). Instant Account Verification (IAV) for ACH origination and account funding (Finicity Pay). Account ownership verification (AOV) and account details verification for NACHA Web-debit / WEB rule compliance.
Very high in US financial services infrastructure. Finicity is consistently named as a top-3 US data aggregator alongside Plaid and Envestnet Yodlee, with MX as the fourth major player.
End-user (consumer / SMB) consumer-permissioned FI credentials and OAuth tokens. Connected accounts: account numbers (masked), routing numbers (verified), account type, currency, owner name and address. Real-time and historical balances (current, available, ledger).
Finicity Corporation was founded in 1999 (~27 years old as of 2026) and has been operating its modern aggregation platform since the mid-2000s.
Supergood's grades measure one thing: can a customer's engineering team get their own data out programmatically? Supergood checks six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and rolls them into a letter grade. Supergood re-verifies grades, and they only move on evidence.
Finicity has partial MCP support. Mastercard, Finicity's parent, publishes an official MCP server in its Developers Agent Toolkit that serves documentation and integration guides, including a dedicated Open Finance (formerly Open Banking) guide tool. It is docs-only; there is no MCP server exposing Finicity account or transaction data.
Partially. MCP support for Finicity exists but is incomplete, so what MCP clients like Claude, Cursor, and Codex can reach depends on what the available server covers.