aid: banked
name: Banked
description: >-
  Banked is a global account-to-account (A2A) payments network built on open
  banking that enables real-time pay-by-bank payments for consumers, businesses,
  and banks. Its API-first platform provides hosted Checkout, Payment Links and
  QR codes, Payouts, Refunds, Reporting, loyalty (Incentivize), and fraud
  protection, using bank-native biometric authentication and Strong Customer
  Authentication (SCA) to move money securely with minimal chargebacks. A single
  Payments API and Partner API integration gives merchants and platforms access
  across multiple markets, and Banked ships an official hosted MCP server so
  agents can create, search, and refund payments over OAuth 2.0.
url: https://raw.githubusercontent.com/api-evangelist/banked/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://images.prismic.io/banked/dc1e104e-b397-4f26-ba16-0b64aee7daea_page-og-2.png?auto=compress,format&w=1200&h=627
tags:
- Company
- Payments
- Open Banking
- Account-to-Account
- Pay by Bank
- Fintech
- Payment Processing
- Payouts
apis:
- name: Banked Payments API
  description: >-
    Account-to-account payments over open banking — create payment sessions
    (checkout), payouts, refunds, and webhooks. The Partner API onboards
    businesses on behalf of platforms. OAuth 2.0 client-credentials auth against
    api.banked.com.
  humanURL: https://developer.banked.com/reference
  baseURL: https://api.banked.com
  properties:
  - type: Documentation
    url: https://developer.banked.com/
  - type: APIReference
    url: https://developer.banked.com/reference
  - type: Authentication
    url: authentication/banked-authentication.yml
  - type: MCPServer
    url: mcp/banked-mcp.yml
  - type: Webhooks
    url: asyncapi/banked-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/banked-vulnerability-disclosure.yml
- type: Security
  url: security/banked-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/banked-domain-security.yml
- type: Website
  url: https://banked.com/
- type: DeveloperPortal
  url: https://developer.banked.com/
- type: Documentation
  url: https://developer.banked.com/
- type: APIReference
  url: https://developer.banked.com/reference
- type: GettingStarted
  url: https://developer.banked.com/docs
- type: Support
  url: https://support.paybybank.com
- type: Login
  url: https://console.banked.com/
- type: Blog
  url: https://medium.com/@banked
- type: PrivacyPolicy
  url: https://banked.com/privacy
- type: GitHubOrganization
  url: https://github.com/banked
- type: Postman
  url: https://github.com/banked/postman-collections-public
- type: StatusPage
  url: https://status.banked.com/
- type: Packages
  url: packages/banked-packages.yml
- type: SDKs
  url: packages/banked-packages.yml
- type: WellKnown
  url: well-known/banked-well-known.yml
- type: SecurityTxt
  url: well-known/banked-security.txt
- type: MCPServer
  url: mcp/banked-mcp.yml
- type: LLMsTxt
  url: llms/banked-llms.txt
- type: Authentication
  url: authentication/banked-authentication.yml
- type: Conventions
  url: conventions/banked-conventions.yml
- type: Conformance
  url: conformance/banked-conformance.yml
- type: Lifecycle
  url: lifecycle/banked-lifecycle.yml
- type: Deprecation
  url: lifecycle/banked-lifecycle.yml
- type: Webhooks
  url: asyncapi/banked-webhooks.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence