aid: cardless
name: Cardless
description: 'Cardless, Inc. is a San Francisco fintech that operates an embedded co-branded
  credit card platform, letting consumer brands launch and run their own credit card
  programs natively inside their own apps and websites. The platform pairs a partner
  API surface with pre-built components covering the full credit journey — application
  and identity verification, real-time decisioning, checkout with instant virtual cards,
  card management and transaction disputes — while Cardless handles issuing-bank relationships,
  card production, underwriting, fraud, KYC/AML compliance, servicing and support behind
  the scenes. It is network-agnostic across Visa, Mastercard and American Express. Named
  partners include Coinbase (Coinbase One Card), Bilt, Qatar Airways Privilege Club,
  Alibaba.com, LATAM Airlines, Avianca LifeMiles, TAP Air Portugal and Avelo Airlines.
  Developer documentation at docs.cardless.com is gated behind a partner login, so no
  public OpenAPI, SDKs or sandbox credentials are published.'
url: https://raw.githubusercontent.com/api-evangelist/cardless/refs/heads/main/apis.yml
image: https://framerusercontent.com/images/hm4RTByVdin3oyQTHY2rMm9doQ.jpg
x-type: company
x-source: harvest:secondary-market
x-secondary-market-listing: https://forgeglobal.com/cardless_stock/
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.20'
created: '2026-08-01'
modified: '2026-08-01'
x-enrichment:
  date: '2026-08-01'
  status: enriched
  artifacts_added: 13
  pass: local-v1
tags:
- Company
- Financial Services
- Fintech
- Credit Cards
- Card Issuing
- Embedded Finance
- Payments
- Banking as a Service
- Lending
- Co-Branded Cards
- Loyalty
apis:
- aid: cardless:partner-api
  name: Cardless Partner API
  description: 'The Cardless partner API surface used by brands to embed a co-branded
    credit card program: partner authentication (Basic-auth exchange of a partner-signed
    JWT for a bearer access token), application submission and decisioning, account
    servicing, payments, transactions and disputes. Documentation and the OpenAPI
    fragments that back it are gated behind a partner login at docs.cardless.com;
    the production API host answers unauthenticated requests with HTTP 401.'
  humanURL: https://docs.cardless.com/
  baseURL: https://api.cardless.com/
  tags:
  - Credit Cards
  - Card Issuing
  - Embedded Finance
  - Payments
  properties:
  - type: Documentation
    url: https://docs.cardless.com/
  - type: Authentication
    url: authentication/cardless-authentication.yml
  - type: Conventions
    url: conventions/cardless-conventions.yml
- aid: cardless:docs-mcp
  name: Cardless Docs MCP Server
  description: 'A remote Model Context Protocol server published by Cardless at docs.cardless.com/mcp
    (Mintlify-hosted). It answers tools/list anonymously and exposes three read-oriented
    tools over the Cardless documentation corpus — documentation search, a read-only
    virtualized documentation filesystem, and docs feedback submission. It also advertises
    OAuth 2.0 authorization-server and protected-resource metadata with a single mcp:search
    scope. This is a documentation-search MCP server, not an MCP projection of the
    Cardless partner API.'
  humanURL: https://docs.cardless.com/
  baseURL: https://docs.cardless.com/mcp
  tags:
  - MCP
  - Documentation
  - Agents
  properties:
  - type: MCPServer
    url: mcp/cardless-mcp.yml
  - type: OAuthScopes
    url: scopes/cardless-scopes.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.cardless.com/
- type: DeveloperPortal
  url: https://docs.cardless.com/
- type: Documentation
  url: https://docs.cardless.com/
- type: Blog
  url: https://www.cardless.com/blog
- type: Support
  url: https://www.cardless.com/help
- type: SignUp
  url: https://app.cardless.com/login
- type: TermsOfService
  url: https://legal.cardless.com/terms_of_service/default/terms_of_service.pdf
- type: PrivacyPolicy
  url: https://legal.cardless.com/privacy_policy/default/privacy_policy.pdf
- type: Customers
  url: https://www.cardless.com/customers
- type: Careers
  url: https://www.cardless.com/careers
- type: MCPServer
  url: mcp/cardless-mcp.yml
- type: WellKnown
  url: well-known/cardless-well-known.yml
- type: OAuthScopes
  url: scopes/cardless-scopes.yml
- type: Authentication
  url: authentication/cardless-authentication.yml
- type: Conventions
  url: conventions/cardless-conventions.yml
- type: Conformance
  url: conformance/cardless-conformance.yml
- type: Lifecycle
  url: lifecycle/cardless-lifecycle.yml
- type: Components
  url: components/cardless-components.yml
- type: DomainSecurity
  url: security/cardless-domain-security.yml
- type: LLMsTxt
  url: llms/cardless-llms.txt