aid: accrue-savings
name: Accrue Savings
description: >-
  Accrue Savings (legally Accrue Money, Inc., now trading as Accrue at byaccrue.com) is a New York
  fintech that powers customer loyalty at the payment layer with a branded stored-value wallet
  merchants embed in their own checkout. Its platform lets brands hold customer funds in a wallet,
  accept payments over wallet and bank rails, run a rules-driven reward engine, return refunds as
  closed-loop credit, and let shoppers pre-fund or crowdfund a future purchase. The Accrue Merchant
  API is a public, JSON:API-shaped OpenAPI 3.1 contract covering wallets, payment intents, payments,
  users, KYC and identity verification, counterparties and payouts, linked accounts, rewards, gifts,
  sweepstakes, external transactions and webhooks, with a sandbox environment, mobile SDKs for
  iOS/Android/React Native/Expo, and embeddable web wallet widgets. Banking services are provided by
  Cross River Bank, Member FDIC.
image: https://docs.byaccrue.com/img/accrue-logo.svg
url: https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-06'
modified: '2026-09-06'
tags:
- Company
- Payments
- Loyalty
- Wallets
- Stored Value
- Rewards
- Banking
- Fintech
- Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: accrue-savings-merchant-api
  name: Accrue Merchant API
  description: >-
    The Accrue Merchant API is a JSON:API-based REST API for embedding Accrue's stored-value wallet
    into a merchant experience — creating and funding wallets, running payment intents and payments
    (authorize, capture, cancel, complete, refund, increase authorization), onboarding users through
    KYC and identity verification, managing counterparties and payouts, issuing rewards and gifts,
    and subscribing to twenty webhook topics. Published as OpenAPI 3.1 with 82 operations across
    production and sandbox environments.
  humanURL: https://docs.byaccrue.com/api/
  image: https://docs.byaccrue.com/img/accrue-logo.svg
  baseURL: https://merchant-api.accruesavings.com
  tags:
  - Payments
  - Wallets
  - Rewards
  - Banking
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/accrue-savings-merchant-api-openapi.yaml
  - type: Documentation
    url: https://docs.byaccrue.com/
  - type: APIReference
    url: https://docs.byaccrue.com/api/
  - type: GettingStarted
    url: https://docs.byaccrue.com/getting-started-api
  - type: Overlay
    url: overlays/accrue-savings-merchant-api-overlay.yaml
  - type: Sandbox
    url: sandbox/accrue-savings-sandbox.yml
  - type: Webhooks
    url: asyncapi/accrue-savings-merchant-api-webhooks.yml
common:
- type: DomainSecurity
  url: security/accrue-savings-domain-security.yml
- type: Website
  url: https://www.byaccrue.com/
- type: DeveloperPortal
  url: https://docs.byaccrue.com/
- type: Documentation
  url: https://docs.byaccrue.com/
- type: APIReference
  url: https://docs.byaccrue.com/api/
- type: GettingStarted
  url: https://docs.byaccrue.com/getting-started-api
- type: Support
  url: https://www.byaccrue.com/contact
- type: GitHubOrganization
  url: https://github.com/accrue-savings
- type: TermsOfService
  url: https://files.byaccrue.com/048c1405-0e96-4033-af8f-ad353e48646f.pdf
- type: PrivacyPolicy
  url: https://files.byaccrue.com/61d09791-95f0-4030-8490-d7e7d061592c.pdf
- type: Packages
  url: packages/accrue-savings-packages.yml
- type: SDKs
  url: packages/accrue-savings-packages.yml
- type: X-MCPServerCandidate
  url: mcp/accrue-savings-mcp.yml
- type: LLMsTxt
  url: llms/accrue-savings-llms.txt
- type: Conformance
  url: conformance/accrue-savings-conformance.yml
- type: ErrorCatalog
  url: errors/accrue-savings-problem-types.yml
- type: DeclineCodes
  url: errors/accrue-savings-decline-codes.yml
- type: Lifecycle
  url: lifecycle/accrue-savings-lifecycle.yml
- type: StatusPage
  url: https://status.accruesavings.com/
- type: Authentication
  url: authentication/accrue-savings-authentication.yml
- type: TrustCenter
  url: https://trust.byaccrue.com/
- type: Sandbox
  url: sandbox/accrue-savings-sandbox.yml
- type: Conventions
  url: conventions/accrue-savings-conventions.yml
- type: Idempotency
  url: conventions/accrue-savings-conventions.yml
- type: ChangeLog
  url: https://docs.byaccrue.com/changelog
- type: Components
  url: components/accrue-savings-components.yml
- type: DataModel
  url: data-model/accrue-savings-data-model.yml
- type: Webhooks
  url: asyncapi/accrue-savings-merchant-api-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/accrue-savings-plans-pricing.yml
- type: RateLimits
  url: rate-limits/accrue-savings-rate-limits.yml
x-enrichment:
  date: '2026-09-06'
  status: enriched
  artifacts_added: 28
  pass: local-v3