specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Synchrony Financial
providerId: synchrony-financial
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - Financial Services
  - Credit
  - Payments
  - Consumer Finance
description: Synchrony's Credit Authorization, Quickscreen Apply, and Account Management APIs are merchant/retailer-partner integrations. Access is provisioned via developer.syf.com onboarding into a credit program contract; there is no published per-API price. Commercial terms (interchange, merchant servicing fees, program economics) are negotiated as part of the underlying retail credit program rather than charged per API call.
sources:
  - https://developer.syf.com/
  - https://developer.syf.com/our-products
  - https://www.synchrony.com
notes: No public API pricing page. APIs are bundled with Synchrony retail-credit-program contracts; revenue and fees flow through the credit program economics, not a per-call meter.
plans:
  - id: synchrony-financial-contact-sales
    name: Contact Sales
    type: enterprise
    description: Partner integration access bundled with a Synchrony retail-credit program. Pricing and program economics are negotiated per-merchant.
    entries:
      - label: Program Integration
        name: program_integration
        type: flat
        metric: varies
        limit: -1
        timeFrame: usage
        geo: US
        unit: 1
        price: contact sales
        userMultiplied: false
    elements:
      - name: Synchrony Credit Authorization API
      - name: Synchrony Quickscreen Apply API
      - name: Synchrony Account Management API
      - name: Sandbox Environment
      - name: Bundled with Credit Program
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com
x-canonical:
  generated: '2026-10-08'
  vocabulary: all/0-working/economics/plans-canonical.yml
  models:
  - subscription
  units:
  - negotiated
  plans:
  - name: Contact Sales
    access: enterprise
    model: subscription
    model_how: derived
    units:
    - negotiated
    periods:
    - per-use