specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: TD Bank
providerId: td-bank
created: '2026-05-23'
modified: '2026-05-23'
reconciled: false
tags:
  - Banking
  - Open Banking
  - FDX
  - Akoya
  - Merchant Solutions
description: TD Bank's Open Banking developer portal (developer.td.com / openbanking.amcb.developer.td.com)
  publishes documentation, sandbox, and credential management for vetted fintech data recipients and
  partner aggregators. Commercial access is partner-gated and brokered through the Akoya Data Access
  Network — TD does not publish a per-call API price list. TD Merchant Solutions (TD Online Mart, Worldline-backed)
  prices on standard merchant-acquiring economics (interchange + acquirer fees) rather than per API call.
notes: No public per-call API price list. Aggregation access is partner-contracted via Akoya; merchant
  payment APIs are bundled into merchant-services agreements.
sources:
  - https://developer.td.com
  - https://docs.pat.openbanking.amcb.developer.td.com/guides/about-our-apis-hdi
  - https://akoya.com/
  - https://www.td.com/us/en/small-business/merchant-solutions
plans:
  - id: td-bank-fdx-aggregation-partner
    name: FDX Aggregation Partner (Akoya)
    type: enterprise
    description: FDX v6.2 access to TD customer account data for vetted data recipients via the Akoya Data
      Access Network. Covers Account Basic, Account Detailed, Customer, Transactions, Statements, Tax
      Forms, Bill Payment, and Rewards. OAuth 2.0 with PAR + FDX consent.
    entries:
      - label: FDX partner access
        name: fdx_partner
        type: subscription
        metric: contract
        limit: -1
        timeFrame: month
        geo: US
        unit: 1
        price: contract
        userMultiplied: false
    elements:
      - name: Account Basic / Detailed / Customer / Transactions
      - name: Statements / Tax Forms / Bill Payment / Rewards
      - name: FDX v6.2 consent flows
      - name: OAuth 2.0 with Pushed Authorization Request (PAR)
      - name: Akoya network onboarding

  - id: td-bank-apps-management
    name: Apps Management & Notifications (Utility)
    type: enterprise
    description: Apps Management API v2 + Notifications API for partner-side app lifecycle, FDX cluster
      purchases, subscriptions, and consent / maintenance alerts. Authenticated via Service Token
      (client-credentials).
    entries:
      - label: Utility API access
        name: utility_apis
        type: subscription
        metric: contract
        limit: -1
        timeFrame: month
        geo: US
        unit: 1
        price: contract
        userMultiplied: false
    elements:
      - name: Apps Management API v2
      - name: Notifications API
      - name: Service Token API (client_credentials)

  - id: td-bank-merchant-solutions
    name: TD Merchant Solutions (TD Online Mart)
    type: enterprise
    description: TD Online Mart (Worldline-backed) for ecommerce card-present and recurring payments.
      Pricing follows TD Merchant Solutions agreements — interchange plus acquirer fees, not per-API
      call.
    entries:
      - label: Merchant acquiring
        name: merchant_acquiring
        type: subscription
        metric: contract
        limit: -1
        timeFrame: month
        geo: US/CA
        unit: 1
        price: contract
        userMultiplied: false
    elements:
      - name: Recurring Payment API
      - name: API Passcode / Username-Password / Hash Key auth
      - name: Card brand support (Visa, Mastercard, Amex, Discover, UnionPay, Interac)
      - name: Mobile wallets (Apple Pay, Google Pay, Alipay, WeChat Pay)
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com