10 Popular APIs for Credit Cards

Nothing is safe from Digital Transformation, not even the trusty credit card. Gone are the days consumers need to carry a plastic card around to pay via a credit card transaction, and new technologies including mobile applications can take credit for that! Developers looking to create applications for using, managing, reporting, and issuing credit cards need the proper Application Programming Interfaces, or APIs, to get the job done.

The best place to find these APIs is in the Credit Cards category on ProgrammableWeb. Developers can discover APIs to implement cardless credit card payments, implement payment installments, manage fee recovery services, get alerts about unusual purchases, check funds balances, dispute claims, automate ecommerce workflows, share data with partners, monitor digital footprints, test applications with fake card numbers, and so much more.

In this article we detail the ten most popular Credit Cards APIs based on website traffic on ProgrammbleWeb.

1. Fake Credit Card Generator API

The Fake Credit Card Generator APITrack this API allows users to create fake credit card numbers that come with expiration dates and CVV2 numbers. The service is designed to allow people retain their anonymity online, as well as use the fake numbers in programming test environments without risking charging an actual card number. Developers must request access for this API.

2. Chase Paymentech APIs

Chase Paymentech is an online payment system that provides credit card processing and online merchant services. The Chase Paymentech API enables Card-Not-Present (CNP) payment services for businesses of all sizes. For companies that sell abroad, customized international processing solutions and guidance on accepting credit card payments overseas is offered. Payment process and expansion help is offered for small or growing merchants. The Chase Paymentech payment system is accessible for registered users to the Chase / J.P. Morgan developer center.

3. Mastercard Payment Gateway Services API

Mastercard Payment Gateway Services enables customers to accept and process transactions across ecommerce, mobile commerce, and cardholder present channels such as mail order, call center, or SMS, on any device. The APITrack this API features JSON responses for managing browser payments, merchants, orders including currency and refunds, and transactions.

4. CreditAPI

The CreditAPI APITrack this API allows users to access consumer credit data from Experian, Equifax and Transunion. The API merges credit data that is obtained from the three credit repositories to produce a unified view of a borrowers credit record. Users can also process their credit data and the API will generate specific actions that the borrower can take to improve their credit score. The API uses HTTP calls and responses are formatted in XML, TEXT, PDF, HTML and more.

5. iZettle API

iZettle is a mobile, tablet, and website credit card payment application available internationally. The iZettle APITrack this API allows developers to access and integrate the functionality of iZettle with other applications and to create new applications. Some example API methods include managing account information, processing payments, and retrieving payment information. iZettle is under the supervision of the Swedish Financial Supervisory Authority and was acquired by PayPal in 2018.

6. Square API

Square helps consumers to pay with credit cards in a mobile environment. The Square Connect APITrack this API enables point of sale transactions for users with iPad, iPhone, and Android devices. The Square Connect API provides HTTP endpoints to retrieve reports for users' payments, refunds, and settlements. It also allows to manage merchant's items.

Square API enables developers to create a custom online payment workflow

Square API enables developers to create a custom online payment workflow. Image: Square

7. Intuit QuickBooks Payments API

QuickBooks Payments APITrack this API lets developers use ecommerce websites to process and manage credit card payments. It can also be used for QuickBooks Online to record transactions. Inutit provides developer-centric resources including free SDKs, developer Sandbox, and on-demand support.

8. Capital One Customer Transactions API

The Capital One Customer Transactions APITrack this API provides tools for developers to give customers access to view their Capital One credit card and bank account transaction data within an application. The API features protected login, customer controls for accessible accounts, on-demand data, and can be used in mobile, desktop and web applications.

9. Credit Reporting Services API

Credit Reporting Services (CRS) is a credit reporting agency certified as a re-seller for Experian, TransUnion, and Equifax. The company offers services for industries requiring credit data. The company's XML Credit Report APITrack this API is available for providing credit report data.

10. SumUp API

SumUp is a service that allows users to accept and process credit card payments via mobile devices with the SumUp application. The SumUp APITrack this API allows developers to access and integrate the functionality of SumUp with other applications. Example API methods include managing account information and accepting and processing payments.

Check out more than 275 APIs, 280 SDKs, and 380 Source Code Samples in the Credit Cards category.

Be sure to read the next Credit Cards article: Upstart Launches Credit Decision API