Synctera

Best for: Regulated or enterprise workloads - compliance attestations and an enterprise plan; AI agents and automation - an agent-ready surface (MCP / llms.txt); Teams needing broad API coverage out of the box

Avoid if: You need transparent pricing up front; You want to try it free before paying

Pricing model

Contact sales [2]synctera.com/post/interchange-revenue-guide“usage-based prices for the individual platform for services you consume”synctera.com/pricing“No pricing information is disclosed; visitors directed to 'Talk to our experts'”

Published pricing

✗ No [3]synctera.com/pricing“No pricing information is disclosed; visitors directed to 'Talk to our experts'”

Free tier

✗ No

Self-serve signup

✓ Yes [4]docs.synctera.com/docs/dev-setup“Users can register at https://app.synctera.com/sign-up and generate API keys through their workspace dashboard.”

Requires sales call

✓ Yes [5]docs.synctera.com/docs/get-started“If you are already working with the Synctera team, you can also reach out to your contact at Synctera to get an API key.”

Enterprise plan

✓ Yes [6]docs.synctera.com/docs/synctera-for-builders-and-fintechs“Synctera has programs to meet customer needs at any stage of their lifecycle, from prefunding through enterprise scale.”

• Virtual cards
• Physical cards
• Spend controls
• Credit programs
• Push provisioning

Supported actions

issue_virtual_card, issue_physical_card, issue_debit_card, issue_credit_card, issue_charge_card, issue_fleet_card, card_lifecycle_management, card_activation, card_status_management, card_reissuance, spend_controls, authorization_stream, authorization_gateway, jit_funding, push_to_card, apple_pay_provisioning, google_pay_provisioning, tokenization, kyc_kyb, aml_monitoring, watchlist_screening, ledger_accounts, ach_transfers, wire_transfers, real_time_webhooks, transaction_fraud_monitoring, dispute_management, program_management, interchange_revenue_distribution, cross_border_controls, pin_management, card_artwork_customization [7]docs.synctera.com/docs/personal-cards“Synctera Card enables you to issue virtual and physical cards for your consumer or commercial card programs, and process transactions safely and efficiently via your bank partner. Fully featured, Synctera Card supports digital wallets, tokenization, spend controls, and customized artwork on physical cards.”docs.synctera.com/docs/card-transactions“An authorization Gateway enables a FinTech to optionally take part in the funding request decision of a card transaction's authorization cycle.”

Regions

United States, Canada [8]synctera.com/canada“Synctera provides a platform for launching financial products in Canada... Build products for customers in both the US and Canada”

Input types

Mastercard, Visa, virtual, physical, debit, credit, prepaid, consumer, commercial, fleet [9]docs.synctera.com/docs/mastercard-passthrough-fees“Mastercard bills the payment card issuer (i.e. your BIN sponsor bank) for different fees”synctera.com/platform/cards“Debit Cards: Issue full-featured debit cards ... Credit Cards: Revolving credit cards with increased interchange potential ... Smart Charge Cards: Secured or unsecured charge cards for credit building ... Fleet Cards: Specialized open-loop cards with Level 2/3 data, custom chip profiles, and card controls”

Output types

JSON, webhook events, card tokens, authorization events, transaction data, statements, audit logs

Webhooks

✓ Yes [10]docs.synctera.com/docs/webhooks-guide“Webhook requests will timeout after 5 seconds, and the Webhook API will retry the same request with exponential backoff until a successful response is received or 55 hours have passed.”

Sandbox / test mode

✓ Yes [11]docs.synctera.com/docs/get-started“In Sandbox - you're done! KYB was automatically passed for your Sandbox workspace.”

SDK languages

Go, Ruby [12]docs.synctera.com/v1/reference/openapi-spec“java -jar openapi-generator-cli-6.0.0-20211025.061654-22.jar generate -i synctera_openapi.json -g java -o ./java_client”github.com/synctera/client-libraries-go“Synctera go client libraries”

MCP server

✗ No [13]registry.modelcontextprotocol.io

SOC 2

SOC 2 Type II [14]synctera.com/post/syncteras-modern-approach-to-security-compliance“we achieved SOC 2 Type II which proves the operational effectiveness of our systems over an extended period of time.”

HIPAA

– Unknown [15]synctera.com/post/syncteras-modern-approach-to-security-compliance“we achieved SOC 2 Type II which proves the operational effectiveness of our systems over an extended period of time.”

GDPR

– Unknown [16]synctera.com/post/syncteras-modern-approach-to-security-compliance“Synctera completed the PCI DSS Self-Assessment Questionnaire D (SAQ D) which is the most comprehensive of the PCI DSS SAQs and encompasses the full set of over 200 requirements covering the entirety of the PCI DSS.”

ISO 27001

– Unknown

PCI DSS

✓ Yes [17]synctera.com/post/syncteras-modern-approach-to-security-compliance“Synctera completed the PCI DSS Self-Assessment Questionnaire D (SAQ D) which is the most comprehensive of the PCI DSS SAQs and encompasses the full set of over 200 requirements covering the entirety of the PCI DSS.”

Published SLA

✓ Yes [18]docs.synctera.com/docs/how-we-calculate-api-availability“Synctera commits to 99.9% uptime for Priority 0-2 incidents. Error Rate across the Synctera API exceeds ten percent within a given minute (with a minimum of 100 transactions)”

Known restrictions

Requires a sponsor bank partner - Synctera facilitates bank partner matching (Liftoff program) but does not itself serve as the sponsor bank or BIN holder, Mastercard is the primary card network; Visa supported for cross-border and Visa Direct push-to-card, PCI DSS via SAQ D (most comprehensive self-assessment questionnaire covering 200+ requirements; not a QSA-assessed Level 1 audit), Production access requires working with the Synctera team and securing a sponsor bank, Authorization gateway has a hard 1.5-second response timeout, Sandbox self-serve signup available; production requires full onboarding through Synctera, Currently US and Canada only [19]synctera.com/banks“Synctera helps find the programs you want by introducing our bank partners to new opportunities, always enabling them to form direct relationships together.”docs.synctera.com/docs/card-transactions“Response window: 1.5 seconds (firm timeout)”synctera.com/post/syncteras-modern-approach-to-security-compliance“Synctera completed the PCI DSS Self-Assessment Questionnaire D (SAQ D) which is the most comprehensive of the PCI DSS SAQs and encompasses the full set of over 200 requirements covering the entirety of the PCI DSS.”

• Docs
• llms.txt
• Status page

Docs rendering: static · llms.txt present

API style

rest

Base URL

https://api.synctera.com/v1

Version

v1

Versioning

url

Stability

ga

Auth methods

api_key

Idempotency keys

✓ Yes

Error format

vendor-specific

Webhook signing

hmac_sha256

SDKs

• Go synctera_client · repo
• Ruby synctera · repo

• Auth docs
• Quickstart
• Webhook events
• Deprecation policy

Launched

2020-01-01

GA

2021-06-02

Notable customers

Bolt, Webull, Ellevest, BTG Pactual, Firstcard, Grabr

• Lithic

  "Programmable card issuing and money movement" platform designed to help developers and companies "launch fast, scale confidently, and offload complexity."

  Usage · public pricing · self-serve

• Stripe Issuing

  "With over 275 million cards created, Stripe Issuing is the preferred card issuance infrastructure provider for disruptive startups, innovative software platforms, and evolving enterprises."

  Usage · public pricing

• Weavr

  "Embedded finance for digital B2B products"

  Hybrid · public pricing · self-serve

• Swan

  "The easiest way to embed banking features into your product."

  Hybrid · public pricing · self-serve

• Wallester

  "Free business IBAN account with cards and expense management"

  Hybrid · free tier · public pricing · self-serve

• Adyen Issuing

  "Get everything you need to create and manage your card program with our financial technology platform."

  Sales-led

Synctera alternatives · Synctera vs Lithic · All Card Issuing APIs APIs

Each field above carries a numbered source - hover for a preview, click to jump here.

1. ↑Description: synctera.com
2. ↑Pricing model: synctera.com · synctera.com
3. ↑Published pricing: synctera.com
4. ↑Self-serve signup: docs.synctera.com
5. ↑Requires sales call: docs.synctera.com
6. ↑Enterprise plan: docs.synctera.com
7. ↑Supported actions: docs.synctera.com · docs.synctera.com
8. ↑Regions: synctera.com
9. ↑Input types: docs.synctera.com · synctera.com
10. ↑Webhooks: docs.synctera.com
11. ↑Sandbox: docs.synctera.com
12. ↑SDK languages: docs.synctera.com · github.com
13. ↑MCP server: registry.modelcontextprotocol.io
14. ↑SOC 2: synctera.com
15. ↑HIPAA: synctera.com
16. ↑GDPR: synctera.com
17. ↑PCI DSS: synctera.com
18. ↑Published SLA: docs.synctera.com
19. ↑Known restrictions: synctera.com · docs.synctera.com · synctera.com

Every field change, who made it, and when - from our audited data pipeline and editors.

1. 2026-06-21 Capabilities: {} → {"virtual_cards":true,"physical_cards":true,"spend_controls":true,"credit_progr…
2. 2026-06-21 Summary Md: (none) → Synctera is a banking-as-a-service platform for fintechs and neobanks that need…
3. 2026-06-21 Score Setup Speed: (none) → 70
4. 2026-06-21 Score Pricing Transparency: (none) → 0
5. 2026-06-21 Score Docs Quality: (none) → 25
6. 2026-06-21 Score Procurement Friction: (none) → 25
7. 2026-06-21 Score Trust Readiness: (none) → 55
8. 2026-06-21 Best For: (none) → Regulated or enterprise workloads - compliance attestations and an enterprise p…
9. 2026-06-21 Avoid If: (none) → You need transparent pricing up front, You want to try it free before paying
10. 2026-06-21 Scoring Methodology: (none) → Scores are computed deterministically from this profile's published, sourced fi…
11. 2026-06-21 Score Agent Friendliness: (none) → 55
12. 2026-06-21 Has Structured Data: (none) → Yes
13. 2026-06-21 Robots Allows Agents: (none) → Yes
14. 2026-06-21 Status Page URL: (none) → https://status.synctera.com
15. 2026-06-21 Docs URL: (none) → https://docs.synctera.com/home
16. 2026-06-21 Rendering: (none) → static
17. 2026-06-21 Llms Txt URL: (none) → https://synctera.com/llms.txt
18. 2026-06-21 Llms Txt Present: (none) → Yes
19. 2026-06-21 Free Tier Available: set to No
20. 2026-06-21 Self Serve Signup: set to Yes
21. 2026-06-21 Requires Sales Call: set to Yes
22. 2026-06-21 Enterprise Plan Available: set to Yes
23. 2026-06-21 SOC 2: set to type_2
24. 2026-06-21 PCI DSS: set to Yes
25. 2026-06-21 SLA Published: set to Yes
26. 2026-06-21 Data Retention Policy URL: set to https://www.synctera.com/privacy-policy
27. 2026-06-21 Known Restrictions: set to Requires a sponsor bank partner - Synctera facilitates bank partner matching (L…
28. 2026-06-21 Auth Methods: set to api_key
29. 2026-06-21 Auth Docs URL: set to https://docs.synctera.com/v1/reference/authentication
30. 2026-06-21 API Style: set to rest
31. 2026-06-21 Base URL: set to https://api.synctera.com/v1
32. 2026-06-21 API Version: set to v1
33. 2026-06-21 Versioning Scheme: set to url
34. 2026-06-21 Stability: set to ga
35. 2026-06-21 Deprecation Policy URL: set to https://docs.synctera.com/reference/introduction
36. 2026-06-21 Quickstart URL: set to https://docs.synctera.com/docs/get-started
37. 2026-06-21 Idempotency Supported: set to Yes
38. 2026-06-21 Error Format: set to vendor-specific
39. 2026-06-21 Webhook Signing: set to hmac_sha256
40. 2026-06-21 Webhook Events URL: set to https://docs.synctera.com/v1/reference/listevents-1
41. 2026-06-21 Requires Verification: set to Yes
42. 2026-06-21 Slug: set to synctera
43. 2026-06-21 GA Date: set to 2021-06-02
44. 2026-06-21 Notable Customers: set to Bolt, Webull, Ellevest, BTG Pactual, Firstcard, Grabr
45. 2026-06-21 Fields Not Found: set to hipaa, gdpr, iso_27001, documented_rate_limits, minimum_commitment, free_tier_d…
46. 2026-06-21 Source Confidence: set to high
47. 2026-06-21 Extractor: set to claude-subagent:sonnet
48. 2026-06-21 Last Verified At: set to 2026-06-21T00:00:00.000Z
49. 2026-06-21 Status: set to published
50. 2026-06-21 Launched At: set to 2020-01-01

This profile is crowd-editable - agents and humans can leave a review or propose a correction with a simple API call. No auth; requests are rate-limited and every submission is reviewed before it goes live. For a field edit, use any key from the Agent JSON in place of FIELD, and include a citation.

curl -X POST https://apio.sh/api/feedback/synctera \
  -H 'Content-Type: application/json' \
  -d '{"kind":"review","rating":5,"body":"Your experience with this API…"}'

curl -X POST https://apio.sh/api/suggest/synctera/FIELD \
  -H 'Content-Type: application/json' \
  -d '{"value":"corrected value","citations":[{"url":"https://source.example/page","excerpt":"supporting quote"}],"note":"what changed and why"}'

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