Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 2 categories.
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Fidel API (legal entity Enigmatic Smile Ltd) launched in 2018 as a card-linking infrastructure company giving developers a single API to connect Visa, Mastercard, and Amex transactions to loyalty and rewards experiences. After raising $86M+ through 2022 and expanding to power Google Pay, British Airways, RBC and others, the company has narrowed its product surface to two offerings: the Select Transactions API and Offers as a Service (OaaS), a turnkey card-linked offers platform. LinkedIn data shows headcount contracting to ~16 people (from 35+ at peak), suggesting the business has been restructured under Enigmatic Smile leadership (Bishara Smeir as CEO) into a more focused card-linked-offers infrastructure play.
Other Transaction Enrichment providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/fidel-api/install" width="1" height="1" alt="" style="display:none">3 companies are linked to Fidel API in the Embedded Finance Index 2026, through their own public disclosures or Fidel API's published customer list, including Google Pay, British Airways and Goloyal.
Fidel API is an embedded-finance provider in Spend / AP and Transaction Enrichment. It ranks #7 of 12 Transaction Enrichment providers by linked companies.
The most-named Transaction Enrichment alternatives to Fidel API are MX (14 buyers), Dateio (8 buyers), Astrada (6 buyers), Spade (4 buyers), Plaid (3 buyers) and Bud Financial (2 buyers).
Fidel API is founded in 2018 and headquartered in London, United Kingdom.
Fidel API has raised $86.1M in total.
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