For AI agents: a documentation index is available at the root level at /llms.txt. Append /llms.txt to any URL for a page-level index, or .md for the markdown version of any page.
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Get StartedBankingIssuingSpend ControlsPlatformSimulationAPI Reference
Get StartedBankingIssuingSpend ControlsPlatformSimulationAPI Reference
  • Overview
    • Welcome
    • Getting Started
    • Authentication
    • Environments
    • Errors & Rate Limits
    • Retries & Idempotency
    • Resource Versions & Concurrency
  • Platform Concepts
    • Overview
    • Business & Access
    • Programs
    • Banking & Accounts
    • Issuing & Cards
    • Transactions & Ledger
    • Spend Controls
    • Webhooks & Events
  • Welcome
  • Getting Started
  • Authentication
  • Environments
  • Errors & Rate Limits
  • Retries & Idempotency
  • Resource Versions & Concurrency
  • Overview
  • Business & Access
  • Programs
  • Banking & Accounts
  • Issuing & Cards
  • Transactions & Ledger
  • Spend Controls
  • Webhooks & Events
On this page
  • Capabilities
  • Get started
Overview

Welcome

Penny Developer Platform

Build with Penny.

Banking, Issuing, and Simulation APIs for building financial products.

Get started →API reference →
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Capabilities

Banking

Open and manage capital and control accounts, read ledger entries, and move money between accounts.

Issuing

Issue virtual cards and manage cardholders.

Spend Controls

Set amount, velocity, merchant, and geographic rules that apply across your business, accounts, cardholders, and cards.

Platform

Access control, webhooks for real-time event delivery, and background tasks.

Get started

Getting Started

Set up authentication and make your first API call.

Authentication

Learn how to authenticate requests to the Penny API.

Webhooks

Subscribe to real-time events for accounts, cards, and transactions.

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