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

# Synctera Banking-as-a-Service API

Synctera provides Banking-as-a-Service APIs for personal/business customers, accounts, cards, payments, KYC/KYB, and more. Official full OpenAPI spec available at https://dev.synctera.com/v1/reference/openapi-spec. The API exposes 11 endpoints secured with bearer authentication.

## For AI agents

Programmatically create customer, list customers. Covers 11 operations with bearer authentication.

## Scope

Does not handle communications, crm, or developer tools - use for payments only.

## Capabilities

- Create customer
- List customers
- Get customer
- Query and filter Synctera Banking-as-a-Service API records by parameters
- Monitor Synctera Banking-as-a-Service API operational status and events

## Use cases

### Payments Operations

Use the Synctera Banking-as-a-Service API to perform payments operations programmatically. The API provides 11 endpoints covering core functionality including create customer, list customers, get customer.

Example prompt: Call POST /customers to create customer

### Automated Accounts Management

Automate accounts operations by combining multiple Synctera Banking-as-a-Service API endpoints. Agents can list customers and then get customer in a single workflow.

Example prompt: Call GET /customers to list customers, then verify the result

### AI Agent Integration via Jentic

AI agents discover and call Synctera Banking-as-a-Service API endpoints through Jentic without managing credentials directly. An agent searches for the required operation by intent, receives the matching endpoint schema, and executes the call with Jentic-managed authentication. This eliminates the need to read API documentation or handle bearer tokens manually.

Example prompt: Search Jentic for 'create customer', load the operation schema, and execute with Jentic-managed credentials

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | `/customers` | Create customer |
| GET | `/customers` | List customers |
| GET | `/customers/{customer_id}` | Get customer |
| POST | `/accounts` | Create account |
| GET | `/accounts` | List accounts |
| GET | `/accounts/{account_id}` | Get account |
| POST | `/cards` | Create card |
| GET | `/cards` | List cards |

## Key resources

- **Accounts** — Operations related to Accounts
- **Cards** — Operations related to Cards
- **Customers** — Operations related to Customers
- **Payments** — Operations related to Payments
- **Transactions** — Operations related to Transactions

## AI readiness

This API is usable in Jentic One now. Its AI-readiness score against Jentic's framework shows where it stands today and where improvements would make it even easier for agents to use.

- **Score:** 69 / 100
- **Maturity:** AI-Aware
- **Dimensions:**
  - Foundational Compliance: 83 / 100
  - Developer Experience & Jentic Compatibility: 63 / 100
  - AI-Readiness & Agent Experience: 54 / 100
  - Agent Usability: 94 / 100
  - Security: 60 / 100
  - AI Discoverability: 100 / 100
- **View full report:** https://jentic.com/apis/synctera.com/synctera/scorecard
- **How the score is calculated:** https://docs.jentic.com/reference/api-readiness-framework/overview/
- **More about the dimensions:** https://docs.jentic.com/reference/api-readiness-framework/specification/#dimensional-model-overview

### Score it yourself

Every API in the directory is allowlisted, so you can re-score it with no key required.

- **Score your own API:** https://jentic.com/scorecard.md
- **Scoring CLI agent skill:** https://github.com/jentic/jentic-api-scorecard/blob/main/skills/jentic-api-scorecard/SKILL.md

```sh
npx @jentic/api-scorecard-cli score <openapi-url>
```

## Why Jentic

- **Setup:** Wiring the Synctera Banking-as-a-Service API by hand means learning its bearer token scheme, pointing at the api.synctera.com host, and shaping the customer, account, and card requests yourself. Through Jentic you install once, import Synctera from the API Directory, store the bearer token once, and your agent calls it.
- **Permission scoping:** Synctera puts the customer and account ids in the URL path (`/customers/{customer_id}`, `/accounts/{account_id}`), so a rule can pin your agent to one customer or account: it can read that record and nothing else. You choose the operations it may call, so state-changing ones like creating accounts or issuing cards are not included unless you add them.
- **Credential handling:** Your Synctera bearer token is stored once, encrypted, by your own Jentic One instance and injected at execution time. It never enters the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'create a customer' or 'get an account', and Jentic returns the matching Synctera operation with its input schema so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Stripe** — Alternative payments API
- **Adyen** — Alternative payments API
- **Square** — Complementary payments API
- **Paypal** — Complementary payments API

## FAQ

### What authentication does the Synctera Banking-as-a-Service API use?

The Synctera Banking-as-a-Service API uses a Bearer token in the Authorization header. Through Jentic, these credentials are stored encrypted in your Jentic One instance and injected at execution time, so raw secrets never enter the agent context.

### Can I create customer with the Synctera Banking-as-a-Service API?

Yes. Use the POST /customers endpoint. The API returns structured JSON responses that agents can parse and act on directly.

### What are the rate limits for the Synctera Banking-as-a-Service API?

Rate limits are not specified in the OpenAPI spec. Check the vendor documentation for current limits. Through Jentic, rate limiting is handled automatically with retry logic built into the execution layer.

### How do I create customer through Jentic?

Install the Jentic SDK with pip install jentic, authenticate through Jentic One, the self-hosted execution layer, then search for 'create customer'. Jentic returns the matching Synctera Banking-as-a-Service API operation with its input schema. Load the schema and execute the call - credentials are injected automatically.

### How many endpoints does the Synctera Banking-as-a-Service API have?

The Synctera Banking-as-a-Service API exposes 11 endpoints covering accounts, cards, customers operations.

### Can I limit what my agent is allowed to do with the Synctera Banking-as-a-Service API?

Yes. Jentic One is self-hosted by you, so your own rules decide which Synctera operations and credentials the agent may use. Because Synctera puts the customer and account ids in the URL path, such as `/customers/{customer_id}` and `/accounts/{account_id}`, a rule can pin the agent to a single customer or account so it reads that record and nothing else. You also choose which operations it may call, so state-changing ones like POST /accounts to create an account or POST /cards to issue a card are excluded unless you add them.