canonical: https://jentic.com/apis/revolut.com

# Revolut APIs

Revolut's APIs let AI agents work across the company's financial products from one workspace: open banking account access and payment initiation, business account and card management, online payment order processing, and fiat-to-crypto ramp integration. Together they cover reading accounts and balances, validating counterparties, moving money, accepting e-commerce payments, and quoting crypto purchases.

## For AI agents

An agent can read account and balance data via open banking consents, manage business accounts and cards, create and capture online payment orders, and quote or track fiat-to-crypto purchases across Revolut's four APIs. It can chain these, for example validating a counterparty account name before initiating a payment or reconciling a merchant order against a business account.

## Scope

Use for: Automating Revolut financial flows: open banking account access, business account and card management, e-commerce payment orders, and fiat-to-crypto ramp integration

Not supported:
- communications
- crm
- developer tools
- on-prem deployment
- cross-vendor banking

## APIs

| API | Category | Endpoints | Description |
| --- | --- | --- | --- |
| Open Banking API | payments | 54 | Programmatically create an account access consent, retrieve an account access consent. |
| Business API | payments | 50 | Programmatically validate an account name (cop), retrieve all accounts. |
| Merchant API | payments | 45 | Programmatically create an order, retrieve an order. |
| Crypto Ramp API | e-commerce | 10 | Programmatically retrieve configuration, retrieve an order quote. |

## Which API to use

| Need | API | Why |
| --- | --- | --- |
| Read a customer's account balances and transactions with their consent | open-banking | The Open Banking API uses account access consents to read accounts, balances, beneficiaries, and direct debits for third-party providers. |
| Automate your own business accounts, cards, and counterparty payments | business | The Business API manages your Revolut Business accounts, issues and controls cards, validates counterparties, and runs currency exchanges. |
| Accept and manage online payments for e-commerce checkout | merchant | The Merchant API creates, captures, cancels, and refunds payment orders and tracks payouts and disputes. |
| Let users buy crypto with fiat inside your product | crypto-ramp | The Crypto Ramp API returns quotes, buy redirect URLs, and order status for embedding fiat-to-crypto purchases. |

## Cross-API use cases

### Reconcile merchant orders against a business account

An agent captures an online payment order through the Merchant API, then reads the corresponding settlement and balance on the linked Revolut Business account to confirm funds arrived.

Example prompt: Retrieve a captured order from the Merchant API, then call the Business API to read the account balance and confirm the payout settled

### Validate a payee before initiating an account payment

An agent validates a counterparty account name through the Business API Confirmation of Payee check, then uses Open Banking account and beneficiary data to confirm the payment target before money moves.

Example prompt: Call the Business API to validate an account name, then read the Open Banking account beneficiaries to confirm the payee

### Offer crypto purchase alongside merchant checkout

An agent quotes a fiat-to-crypto purchase through the Crypto Ramp API and creates a matching payment order in the Merchant API so a customer can fund the crypto buy at checkout.

Example prompt: Retrieve an order quote from the Crypto Ramp API, then create a payment order in the Merchant API to collect the fiat amount

## Why Jentic

- **Setup:** Each Revolut API has its own host, auth scheme, and signing requirements to wire up by hand. Through Jentic you install once, add the Open Banking, Business, Merchant, or Crypto Ramp API from the Jentic directory, store each credential once, and your agent calls any of them.
- **Permission scoping:** Your own rules in your Jentic One instance decide which Revolut operations and credentials an agent may use. You can pin an agent to read-only account access on Open Banking while blocking money-moving Business or Merchant operations like creating cards or refunding orders unless you add them.
- **Credential handling:** Each Revolut credential, the Open Banking and Crypto Ramp API keys, the Business bearer token, and the Merchant API key, is stored encrypted by your own Jentic One instance and injected at execution time. None of them enter the agent's prompt, logs, or context.
- **Discovery method:** An agent searches the Jentic directory by intent such as 'validate an account name', 'create an order', or 'retrieve an order quote', and Jentic returns the matching Revolut operation with its input schema so the agent calls the right endpoint across all four APIs without browsing reference docs.

## Related vendors

- **Stripe** — Alternative for online payment processing and merchant checkout.
- **Adyen** — Alternative payments platform for accepting and managing transactions.
- **Square** — Complementary merchant payments and point-of-sale APIs.
- **PayPal** — Complementary payments and checkout provider.

## FAQ

### What can an AI agent do across Revolut's APIs?

An agent can read consumer account data with open banking consents, manage Revolut Business accounts and cards, create and settle online payment orders, and quote fiat-to-crypto purchases. It can chain these, such as validating a payee before a payment or reconciling a merchant order against a business account balance.

### Do I need separate credentials for each Revolut API?

Yes. The Open Banking, Business, Merchant, and Crypto Ramp APIs each use their own credential and auth scheme. Through Jentic, each credential is stored encrypted in your own Jentic One instance and injected only when the relevant API is called.

### Which Revolut API handles online e-commerce payments versus business banking?

Use the Merchant API to accept and manage online payment orders for e-commerce checkout, and the Business API to automate your own Revolut Business accounts, cards, and counterparty payments. The Open Banking API is for regulated access to a customer's own account data.

### Can an agent move money between these APIs automatically?

Each API operates on its own product surface, so there is no single money-movement call spanning all four. An agent can coordinate a flow across them, for example capturing a Merchant order and then reading the settlement on a Business account, but each step calls its own API.

### Are these APIs suitable for regulated open banking use?

The Open Banking API is built for third-party providers that access Revolut customers' account and transaction data and initiate payments under open banking rules. The Business, Merchant, and Crypto Ramp APIs cover your own account automation, e-commerce payments, and crypto ramp integration instead.

### How does an agent decide which Revolut API to call?

It depends on whose account you act on and what you do. Consumer account access uses Open Banking, your own corporate accounts and cards use Business, online checkout uses Merchant, and fiat-to-crypto purchases use Crypto Ramp. Through Jentic an agent can search by intent and get routed to the matching operation.