--- title: "Mastercard Open Finance (Finicity) API ยท Hypamoon" description: "The Mastercard Open Finance (Finicity) API is documented, but access goes through Mastercard Open Finance first. With sources." url: https://hypamoon.com/connect-to/mastercard-open-finance --- 1. [Connect to](https://hypamoon.com/connect-to) 2. Mastercard Open Finance (Finicity) Payments and billing # Connect Mastercard Open Finance (Finicity) to Hypamoon Possible, with help from Mastercard Open Finance (Finicity). The API is documented, but you cannot just create a key: access goes through Mastercard Open Finance (Finicity) first. Possible ## The check Three questions about the API of Mastercard Open Finance (Finicity), answered from its own docs. **Public API docs**\ **Yes.** [Read the docs](https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md) **A key you create yourself**\ **No.** Sandbox projects are self service, but production plans are approved only after a contract with Mastercard. [developer.mastercard.com](https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md) **Versions or a changelog**\ **Not confirmed.** **How it signs in**\ Finicity-App-Key header plus a Finicity-App-Token that you get from your partner ID and secret; tokens last two hours. **Webhooks**\ **Yes.** It can tell your app when something changes. [developer.mastercard.com](https://developer.mastercard.com/open-finance-us/documentation/) **Hosting**\ Cloud **Condition**\ Production after a signed contract with Mastercard. ## Your own cash view on Mastercard Open Finance, built around your US accounts. - Accounts, balances and transactions from the banks you connect. - AI that matches payments to invoices, with your team confirming. - A screen for your team and a weekly email. ### Ask your chat Answers straight from your Mastercard Open Finance (Finicity) data, in Claude or another chat with the full Hypamoon connection. - Which incoming payments this week are not matched? - What is our total cash across banks today? ### When something happens Mastercard Open Finance (Finicity) sends a webhook to your app, and the app asks AI what happens next. 1. When Mastercard sends an event that new transactions are available. AI decides AI matches payments to open invoices. Then Your finance team gets an email with matches to confirm. ### A screen for your team or customers An app on your own address, with sign-in, on top of the same Mastercard Open Finance (Finicity) data. - For your team A cash screen with balances per bank. Mastercard Open Finance (Finicity) stays the core: your chat builds the rest on its API, as an adapter plus an app and agents in your Hypamoon project. Reading starts after you click Allow in the portal. Every change an agent or a chat makes in Mastercard Open Finance (Finicity) waits for your approval, one call at a time. [How adapters work](https://hypamoon.com/docs/adapters) ### Good to know - Your adapter uses a fixed key: you paste it once in the Hypamoon portal, never in the chat, and it only goes to the API host you allow. - After five wrong secrets, the partner ID is locked until support unlocks it. ## Try it in your chat First get access from Mastercard Open Finance (Finicity). Then fill in what to read and write, and send it. Say this in your chat > Build the Hypamoon recipe build-an-adapter for Mastercard Open Finance (Finicity). API docs: https://developer.mastercard.com/open-finance-us/documentation/. Read: \[what\]. Write: \[what, or nothing\]. [Open in Claude](https://claude.ai/new?q=Build%20the%20Hypamoon%20recipe%20build-an-adapter%20for%20Mastercard%20Open%20Finance%20(Finicity%29.%20API%20docs%3A%20https%3A%2F%2Fdeveloper.mastercard.com%2Fopen-finance-us%2Fdocumentation%2F.%20Read%3A%20%5Bwhat%5D.%20Write%3A%20%5Bwhat%2C%20or%20nothing%5D.) In Claude, or another chat with the full Hypamoon connection; adapters are not in ChatGPT yet. You paste the key in the portal, never in the chat. [The full recipe](https://hypamoon.com/r/build-an-adapter) ## Sources Checked on 7 November 2026. - [developer.mastercard.com/open-finance-us/documentation/onboarding/index.md](https://developer.mastercard.com/open-finance-us/documentation/onboarding/index.md) - [developer.mastercard.com/open-finance-us/documentation/](https://developer.mastercard.com/open-finance-us/documentation/) Mastercard Open Finance (Finicity) is a name of its owner, used here only to describe the software. This page is not an official integration and Hypamoon has no partnership with Mastercard Open Finance (Finicity). Found something that changed? 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Ask the chat to check its API. The same three checks work for any software. Your chat reads the vendor's own docs and tells you what it found. Say this in your chat > Check if \[software\] has an open API that a Hypamoon adapter can use: public API docs, a key or token I can create myself without asking the vendor, and versions or a changelog. Link the pages you used. [Open in Claude](https://claude.ai/new?q=Check%20if%20%5Bsoftware%5D%20has%20an%20open%20API%20that%20a%20Hypamoon%20adapter%20can%20use%3A%20public%20API%20docs%2C%20a%20key%20or%20token%20I%20can%20create%20myself%20without%20asking%20the%20vendor%2C%20and%20versions%20or%20a%20changelog.%20Link%20the%20pages%20you%20used.) [Open in ChatGPT](https://chatgpt.com/?q=Check%20if%20%5Bsoftware%5D%20has%20an%20open%20API%20that%20a%20Hypamoon%20adapter%20can%20use%3A%20public%20API%20docs%2C%20a%20key%20or%20token%20I%20can%20create%20myself%20without%20asking%20the%20vendor%2C%20and%20versions%20or%20a%20changelog.%20Link%20the%20pages%20you%20used.) Fill in the name of your software. Checking needs no connection to Hypamoon. ## Ready to connect Mastercard Open Finance (Finicity)? Connect your chat once, then ask it to build the adapter. [Start free](https://app.hypamoon.com/?mode=signup&utm_source=connect-to&utm_campaign=mastercard-open-finance) Works in Claude, ChatGPT and Copilot. [Add to Claude](https://hypamoon.com/connect?via=connect-to~mastercard-open-finance#claude) [Add to ChatGPT](https://hypamoon.com/connect?via=connect-to~mastercard-open-finance#chatgpt) [Add to Copilot](https://hypamoon.com/docs/microsoft-copilot)