Get developer-level
control over your
personal finances

A programmable card with API access, unlimited virtual cards, and the
financial tools you need to build exactly what you want.

Control Your Finances

Apply in minutes

Get API access

Build what you want

Apply in minutes

Get API access

Build what you want

Apply in minutes

Get API access

Build what you want

Apply in minutes

Get API access

Build what you want

Features

Access your data

A programmable card with API access, unlimited virtual cards, and the financial tools you need to build exactly what you want.

Stop relying on third-party services to access your own financial information. With Klutch's API, you get direct access to transaction data, spending patterns, and account details. Build dashboards, automate tracking, or integrate with your existing tools.

Control everything

Create unlimited virtual cards with precise
spending controls, so you can manage your
money exactly how you want.

Generate virtual cards for specific merchants, set spending limits, pause transactions instantly, or create cards that expire after one use. All programmable through the API or the app interface.

Do more

Access powerful financial tools that traditional banks don't offer, so you can build exactly what you need.

One-time virtual cards, subscription management, spending automation, real-time notifications, and transaction controls. Plus the API to connect it all to your custom solutions.

How it works

From application to integration in minutes.

Apply in minutes

Apply in less than 5 minutes.
Most users get an approval decision instantly

Get API access

Use our developer-friendly API with clear documentation and Postman collection.

Build what you want

Create the financial tools and workflows you actually want.

Resources

Developer resources

Everything you need to integrate Klutch into your applications

API Documentation

Complete API reference with Postman collection, examples and use cases.

View Documentation

Code Examples

Sample integrations and automation
scripts.

view on Github

Use Cases

Explore various use cases and automations for Klutch

Read about our use cases
Klutch Community

What other developers are saying

What people are saying about their Klutch Card

Fletcher Fowler
Software Engineer

"As a software engineer Klutch gives me access to all my spending data which allows me to build interesting products and gain deeper insights into my spending.”

Will Berkowitz
Entrepreneur

"The Mini App centered platform Klutch built is the future of banking. I get access to the newest and best features from any top credit card directly in Klutch. I no longer have to log in and download 10+ different apps or accounts, its all right there in Klutch. I cant wait to see which Mini App comes next!"

Tal Globus
TECHNOLOGIST

"I’ve been looking for something like Klutch for years, using hacky solutions to do in hours what I set up with Klutch in minutes. It’s really powerful, with granular control and customization I haven’t found anywhere else. I love that it just gets better over time."

Stop using basic banking and start
programming your finances

Get API access to your financial data and the controls to build custom solutions for your finances.

Get your Klutch Card

FAQS

We’re here
to help

Can I make transactions decline or approve based on rules?

We offer several rules that can be used to customize transaction behavior, such as accumulating amount over a period, filtering based on transaction attributes, time of day, day of week, and more.

These rules can be created and managed through the API or the Klutch dashboard, giving you fine-grained control over how and when transactions are approved or declined.

‍

What kind of transaction data is available?

Klutch provides rich ISO 8583-derived transaction metadata including:

  • MCC, merchant name, terminal ID
  • Entry method, cardholder presence
  • Tokenization status
  • Merchant contact and address details

We also provide enriched fields such as latitude and longitude and merchant phones, websites, etc.

What’s the difference between building a mini-app and just using the API for my own project?

The main difference comes down to scope and visibility:

  • Using the API for yourself means you're building an internal integration — for example, automating your own Klutch cards, analyzing your own transactions, or building a private tool. This is personal and not shared with other users.
  • Creating a mini-app means you're building something that other Klutch users can enable on their accounts. It’s like publishing an app in an app store:
    • You define permissions your mini-app needs (like read transactions, create cards, etc.)
    • Users grant those permissions when enabling the mini-app
    • Your app runs against their Klutch account, not just yours
    • You can manage multiple users and scale across Klutch’s ecosystem

If you're just experimenting or building something for yourself, start with the API. If you're building something others can use — like a budgeting tool, child spending control, or a card-based automation — consider building a mini-app.

‍

What can I do with the Klutch API?

You can use the Klutch API to build and manage financial mini-apps, automate transaction handling, create and manage virtual cards, apply smart rules, and retrieve detailed transaction data for your users. It's designed to be flexible and developer-friendly.