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Business API & MCP · Open Beta

Connect everything to your Vivid account

Bring transactions, balances and card usage into your accounting, ERP, booking system or spreadsheets. No exports, no copy-paste.

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Connect everything to your Vivid account
  • Award: Top Mobile Banking 2026

    Top Mobile Banking 2026

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    Industry Leader 2026

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  • Award: Best SME Service Provider 2026

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  • Award: German Service Award 2026

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    DISQ Institut

  • Award: Best Business Account 2026

    Best Business Account 2026

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This offer on the website is solely for small and medium enterprises.

Works with any tool that can use an API

Accounting software, Google Sheets or Excel, your booking platform, an ERP, a BI dashboard or a script your team writes. If a developer can connect it to a REST API, it can read your Vivid account.

  • No plugin to wait for: you choose the tool
  • One key per tool, each with its own access

What you can do with it

Examples of how companies use their Vivid data in the software they already run.

Reconcile without CSV exports

Every card payment and transfer reaches your accounting tool with its amount, date, merchant and status. The tool matches it to the invoice, and you stop downloading statements.

  • Card payments arrive while they are still pending
  • Balances of every account, so month-end figures add up

See every card payment as it happens

Card payments reach your system while they are still pending, with the card, merchant, amount and status. Your team sees what is paid, on hold or declined without opening the Vivid app.

  • Last four digits of the card on every payment
  • Card limits, so your system knows a payment will go through

Your Vivid account in your AI chat

Connect Vivid to Claude, ChatGPT or Cursor and open a Vivid Business account right in the chat. Soon you'll also check balances and find payments by asking.

  • Open an account in the chat today
  • Balances, payments and cards: coming soon

You decide who connects what

Only team members you allow can create API keys. Each key reads only what you allow, works only from your company's IP addresses if you set it, and switches off in one click.

  • Limit each key to your own IP addresses
  • The API reads data. It can't move money
  • Access ends when the person who created the key leaves
  • Every key shows when it was last used

Check balances and card limits before you pay

Your system sees the account balance and how much of each card limit is left, so it knows a payment will go through.

How a travel company runs card payments through the API

One of the first companies on the beta.

A card payment for every booking, matched on its own

The team pays airlines and hotels with Vivid cards, one card payment per client booking. Before, someone exported payments and matched them to bookings by hand. Now the booking system picks up each card payment as soon as it is made, links it to the booking and follows refunds back to the original trip. Before paying, it checks the card limit and the balance.

Connect in three steps

Set up once in the Vivid web app. No separate developer account.

1

Create an API key

A team member you allow creates a key in the Vivid web app and chooses what it can read.

2

Add it to your software

Your IT team, integration partner or software provider adds the key to your accounting, ERP or booking system.

3

Your data syncs on its own

Transactions, balances and cards update in your tool. No exports, no copy-paste.

Connect without worrying about security

You decide who sees what

Each key only sees what you allowed when you created it. Access ends when the team member who created the key leaves your company.

Your money stays put

The API reads your data. It can't send payments or change anything in your account.

Locked to your servers

Restrict a key to your company's IP addresses, and turn it off at any time.

Superior payment security

Superior payment security

We comply with the Payment Card Industry Data Security Standards to protect your payment information.

2-step authentication

2-step authentication

With 3D Secure and two-step authentication we ensure no payment is made without your authorisation.

GDPR compliance

GDPR compliance

Our servers are securely hosted in the European Union, ensuring full compliance with GDPR regulations.

For your developers

A simple REST API with clear errors and full documentation.

// Your latest transactions, newest first curl -X POST https://<host>/sme-integration/api/v1/transactions/list \ -H "Authorization: $VIVID_API_KEY" \ -H "Content-Type: application/json" \ -d '{"limit": 50}'
{ "transactions": [{ "amount": "-1240.00", "currency": "EUR", "type": "card_payment", "state": "pending" }], "next_cursor": "eyJpZCI6..." }
1

Plain JSON, one header

Send the key in the Authorization header. No SDK to install.

2

Stable versions

Changes that could break your integration come as a new version. The old one keeps working for six months.

3

Full documentation

Every route, field and error code, with examples, in the API docs.

What you get through the API

Read your Vivid data from the software you already use.

  • Beta

    Get account balances

    See the current balance of each account, with its currency.

  • Beta

    List accounts and IBANs

    Get each account with its IBAN and BIC for your ERP or accounting.

  • Beta

    Read transactions

    Get every payment from the last 90 days with its amount, merchant and status.

  • Beta

    Check cards and limits

    See your cards, their status and how much of each limit is used.

  • Soon

    Send payments

    Pay suppliers and move money from your own systems.

  • Soon

    Use card details

    Use your cards in automated purchases.

  • Soon

    Vivid MCP

    Ask about balances and payments in Claude, ChatGPT or Cursor.

Open a business account

Business type
Legal entity type
Please review our website to understand the scope of our services and our Privacy notice for the use and handling of your data.

Common questions

  • What is an API, and do I need a developer?

    An API lets two programs exchange data. Your accounting or booking tool asks Vivid for your transactions and gets them back automatically. Someone has to connect it once: your IT team, an integration partner or the provider of your software.
  • Any system your developer can connect to an API: accounting, ERP, booking or reporting tools, or your own spreadsheets. They read your transactions, balances and cards from Vivid.
  • Companies with a Vivid Business account. Team members you allow create the keys in the web app.
  • No. In the beta the API only reads your data. It can't send payments or change anything in your account. You make payments in the Vivid app as usual.
  • Each key only reads what you allowed when you created it. You can limit a key to your company's IP addresses and switch it off in the web app at any time. Access also ends when the team member who created the key leaves your company.
  • Not yet. You can read your cards, their status and limits. Card details are coming, and we are actively working on them.
  • The transaction list covers the last 90 days. You can still look up any older transaction by its ID.
  • The API is new and we are building it together with our first clients. We add features step by step, and anything that could break an integration comes as a new version.
  • Any tool that supports the Model Context Protocol, such as Claude, ChatGPT, Cursor, Windsurf or VS Code with MCP extensions.
  • Not to open an account: add the MCP server URL https://api.prime.vivid.money/mcp to your AI tool and start chatting. Reading balances and transactions through MCP is coming next.

All-in-one financial management

Get all the tools your business needs in one place, included in your plan.