Guides

Green Dot API Platform Overview

Green Dot API Platform Overview

Green Dot APIs enable partners to build and deliver a wide range of financial services, including banking, payments, cash access, and retail-based transactions. These APIs are organized into product areas based on the capabilities they provide.

This page provides a high-level overview of each API product area to help you understand what’s available and where to begin.

Banking as a Service (BaaS) APIs

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Green Dot’s Banking as a Service (BaaS) platform enables partners to embed banking and payments capabilities directly into their applications and customer experiences.

With BaaS APIs, partners can:

  • Create and manage customer accounts
  • Issue and manage debit cards
  • Enable digital banking experiences under their own brand
  • Support money movement, transactions, and account management

BaaS is designed for partners looking to build full-featured financial products and long-term customer relationships.

Disbursements APIs

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Disbursements APIs enable partners to send funds to customers quickly and securely.

Common use cases include:

  • Gig worker and contractor payouts
  • Employee wage disbursements
  • Peer-to-peer transfers
  • Transfers between accounts at different financial institutions

These APIs leverage Green Dot’s instant transfer capabilities to move funds to debit cards in near real-time.

Cash Deposits and Payments APIs

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These APIs provide access to Green Dot’s nationwide retail network of over 90,000 locations, enabling customers to interact with cash in a digital ecosystem.

Partners can:

  • Accept cash deposits to accounts or cards
  • Enable cash top-ups for digital wallets or virtual accounts
  • Allow customers to make cash payments at retail locations
  • Use barcode or card-based methods for in-store transactions

Core Components

  • Consumption API
    Authorize and process cash deposits and payments at participating retailers.

  • Partner Web API
    Generate eCash barcodes and retrieve retailer information.

  • Retailer ISO API
    Integrate with Green Dot systems for prepaid card sales and reload transactions.

  • Point of Banking (POB) API
    Alternative integration method for receiving cash deposit transactions.

  • Store API
    Retrieve retail locations and availability of supported services.

Cash Pickup APIs

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Cash Pickup APIs allow partners to provide customers with access to physical cash at participating retail locations.

Use cases include:

  • Cash withdrawals from accounts or digital wallets
  • Cash payouts to customers without bank accounts
  • Providing cash access as part of a broader financial experience

Retail APIs

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Retail APIs enable partners and retailers to offer in-store financial services to customers.

Supported capabilities include:

  • Purchasing debit or prepaid card products
  • Buying MoneyPak for sending funds
  • Making cash deposits to accounts or cards
  • Cash pickup at retail locations
  • Bill payment services

These APIs bridge digital financial services with physical retail interactions.

FSC Retail APIs

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Financial Service Center (FSC) Retail APIs support integrations with specialized financial service locations that operate differently from standard retailers.

These APIs enable:

  • New card sales and activation
  • Reload and unload transactions
  • Account information retrieval
  • Transaction validation and cancellation

FSC APIs are designed for high-volume, transaction-focused environments that require direct communication with Green Dot systems.

Choosing the Right APIs

Each API product area serves a different role in the overall financial ecosystem:

  • Use BaaS APIs to build full digital banking experiences
  • Use Disbursements APIs to send funds to customers
  • Use Cash Deposits and Payments APIs to enable cash-in functionality
  • Use Cash Pickup APIs to enable cash-out capabilities
  • Use Retail APIs to integrate with in-store financial services
  • Use FSC Retail APIs for specialized financial service center integrations

Partners often combine multiple API product areas to deliver complete financial solutions.

Next Steps

To begin integrating:

  • Review the relevant product overview for your use case
  • Follow the Getting Started guides for that API set
  • Explore Example Integration Flows for end-to-end scenarios
  • Refer to the API Reference for implementation details

Updated 19 days ago