Yonder Rewards Cards API Integration & OpenBanking Services

Authentication & session APIs

We mirror Yonder's mobile authorization (token issuance, refresh cycles, device binding) into a server-side flow. The result is a stable session manager that survives token rotation and gives downstream services a clean Authorization: Bearer header rather than re-implementing the in-app login each time.

Card transaction history API

Endpoint for pulling authorized card movements: posting date, authorization timestamp, merchant name, MCC, original and billing currency, FX rate (Yonder advertises no FX fee), and the "earn or spend points" indicator surfaced in the slider at point of sale. Use it for reconciliation, expense automation, or feeding a personal-finance app.

Points balance & redemption sync

Pull the live points balance, monthly earn (1pt/£1 free, 5pts/£1 full), and redemption events — flights, partner restaurants, wellness, and the 15–20 monthly Experiences. Lets loyalty dashboards and CRMs measure customer engagement against the curated rewards program.

Statement & document APIs

Yonder issues monthly statements through the app. Our statement endpoint returns the statement period, opening / closing balances, minimum payment, due date, and an itemized list of transactions, plus a downloadable PDF for archiving alongside the credit agreement.

OpenBanking enrichment

Yonder uses Yapily's PSD2-licensed connectivity (and a tell.money partnership announced via Open Banking Expo) to read income and expenses with consent. We can build the same Account Information Service Provider (AISP) flow into your stack so a unified dashboard shows the Yonder card alongside the user's main current account.

Webhooks & push events

Real-time spending alerts are one of the app's signature features. We expose an outbound webhook that fires on authorization, settlement, points accrual, and card-freeze events — useful for fraud monitoring, budgeting agents, or finance-ops alert channels.

1. Expense reconciliation for UK SMEs

Context: A small consultancy in London expenses client dinners on a director's full Yonder membership and wants those entries posted into Xero or QuickBooks the same day.
Data & API: Card transaction history endpoint + webhook on settlement.
OpenData mapping: Yonder transactions become canonical OpenFinance "card movement" objects with MCC, merchant, FX, and a tag for any points earned, so the accounting layer can split personal vs business spend automatically.

2. Loyalty & churn analytics for fintechs

Context: A neobank wants to study how customers interact with experience-based rewards versus cashback before launching a competitor product.
Data & API: Points ledger + redemption events + experience bookings.
OpenData mapping: Each redemption is normalized into an "incentive event" structure that lines up with our other rewards-app integrations, enabling apples-to-apples engagement metrics.

3. Travel-friendly personal-finance dashboards

Context: A UK personal-finance app such as Emma had a community request for a Yonder integration. Users want spend categorization and a single view of FX-fee-free travel transactions.
Data & API: Transaction API with currency / FX fields, plus the AISP linked-account view.
OpenData mapping: Combines Yonder card data with the user's primary current account through a PSD2-licensed AISP rail, producing one unified transaction stream.

4. Audit and compliance archives

Context: Regulated businesses need GDPR-compliant retention of statements and transaction logs for at least the standard accounting period.
Data & API: Statement endpoint (PDF + JSON) and an immutable export job.
OpenData mapping: Each statement is hashed and stored in object storage with consent metadata, ready for an FCA or HMRC audit request.

5. Affordability and credit profiling

Context: A lender wants to use Yonder card history alongside an open-banking feed to refine credit decisions, mirroring how Yonder itself uses Yapily to assess income and expenses.
Data & API: Card transactions + points spend behaviour + AISP enrichment.
OpenData mapping: Output is a structured affordability vector — disposable income, recurring commitments, FX exposure — fed into an existing decision engine.

Auth: token exchange

POST /api/v1/yonder/auth/token
Content-Type: application/json

{
  "device_id": "A1B2C3D4",
  "user_consent_id": "consent_2025_04_28_abc",
  "scope": ["transactions","points","statements"]
}

200 OK
{
  "access_token": "<JWT>",
  "refresh_token": "<JWT>",
  "expires_in": 3600,
  "consent_expires_at": "2026-04-28T00:00:00Z"
}

Transactions: paged history

GET /api/v1/yonder/transactions
  ?from=2026-03-01&to=2026-03-31
  &currency=GBP&page=1&page_size=100
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "items": [{
    "id": "txn_8df...",
    "auth_at": "2026-03-12T19:42:11Z",
    "settled_at": "2026-03-13T08:01:00Z",
    "merchant": "BRAT, London",
    "mcc": "5812",
    "amount": {"value": 78.50, "ccy": "GBP"},
    "fx": null,
    "points": {"earned": 393, "rate": "5x"},
    "status": "SETTLED"
  }],
  "next_page": null
}

Statements: monthly export

GET /api/v1/yonder/statements/2026-03
Authorization: Bearer <ACCESS_TOKEN>
Accept: application/json

200 OK
{
  "period": "2026-03",
  "opening_balance": 412.00,
  "closing_balance": 657.18,
  "min_payment": 25.00,
  "due_date": "2026-04-22",
  "pdf_url": "https://files.example.com/yonder/2026-03.pdf",
  "transactions": 47
}

Webhook: settlement event

POST https://yourapp.example.com/webhooks/yonder
X-Yonder-Signature: t=1714291200,v1=...

{
  "event": "transaction.settled",
  "occurred_at": "2026-04-28T11:08:14Z",
  "user_id": "u_44f1",
  "transaction_id": "txn_91c...",
  "amount": {"value": 12.40, "ccy": "EUR"},
  "fx": {"rate": 0.852, "billed": 10.56, "billed_ccy": "GBP"},
  "points_earned": 53
}

Failure handling: 5xx triggers exponential
backoff (max 24h, jitter), with idempotency
keys honoured server-side.

UK and EU regulation

Yonder Technology Ltd is authorised and regulated by the UK Financial Conduct Authority (FCA). Open banking flows used by Yonder run through Yapily, an ISO 27001-certified, PSD2-licensed AISP / PISP infrastructure provider, and tell.money for additional connectivity. Any integration we deliver respects these rails: we never bypass strong customer authentication or impersonate the mobile client to read data the user has not consented to.

GDPR & data controllers

For users in the European Economic Area, Yonder Technology Netherlands BV is the data controller; for UK users, Yonder Technology Ltd handles personal data and is registered with the Information Commissioner's Office under registration ZA930713. Our integration captures explicit, revocable consent records, applies data-minimization at field level, and supports subject access and deletion requests through documented endpoints.

Operational controls

Tokens are stored in an HSM-backed secret store, every request is signed and logged, and consent IDs travel with each call so audit trails can prove a transaction was authorized. Production deployments include rate-limit budgets, IP allow-lists, and rotation playbooks aligned with FCA outsourcing guidance.

Deliverables checklist

• OpenAPI 3 / Swagger specification covering every Yonder endpoint we expose
• Protocol and authorization flow report (token issuance, refresh, device binding, consent IDs)
• Runnable source code in Python and Node.js, ready to run against a sandbox account
• Automated test suite with replayable fixtures and consent-aware mocks
• FCA / GDPR-aligned compliance notes, including Yapily and tell.money integration patterns
• Operational runbook: token rotation, webhook retries, and incident response

Engagement options

• Source code delivery from $300 — runnable API source code and full documentation; you only pay after delivery, once you confirm it works against your account.
• Pay-per-call API billing — call our hosted Yonder integration endpoints and pay only for the calls you actually make, with no upfront fee. Ideal for teams testing demand before owning the stack.
• Custom retainer — for teams that want ongoing maintenance as the upstream Yonder mobile app iterates.

Engagement workflow

1. Scope confirmation: which Yonder data (transactions, points, statements, AISP) you need and at what frequency.
2. Protocol and authorization analysis (typically 2–5 business days).
3. Build, internal validation, and dry-runs against a sandbox or test account (3–8 business days).
4. Documentation, samples, and test cases packaged for handover (1–2 business days).
5. Typical first delivery in 5–15 business days; complex multi-region or compliance-heavy stacks may extend timelines.

FAQ

What do you need from me?

How long does delivery take?

How do you handle compliance?

About us

We are an independent technical studio focused on App interface integration and authorized API integration. The team has many years of hands-on experience in mobile applications and fintech, including UK and EU open-banking work, payments, and rewards platforms. We deliver protocol analysis, interface refactoring, OpenData integration, and third-party interface integration end-to-end — one stop, in English, for global clients.

• Card networks, neobanks, rewards programs, and AISP / PISP rails
• Enterprise API gateways and security reviews under FCA / PSD2 / GDPR
• Custom Python / Node.js / Go SDKs and replayable test harnesses
• Full pipeline: protocol analysis → build → validation → compliance handover

Contact

Send us your target app and requirements through our contact page. We reply with a scoping note within one to two business days, including a draft API surface and an estimated timeline.

Open contact page

Both engagement models — source-code delivery from $300 and pay-per-call API billing — are quoted from this same page.