Zocept API Documentation
The most advanced credit card recommendation engine for the Indian market. Power your fintech app with AI-driven card recommendations, scoring, and spending insights.
Version 1.0.0
Smart Recommendations
Multi-dimensional scoring based on actual spending patterns, not generic assumptions.
Privacy First
No user data storage required. Process transactions in real-time with complete privacy.
Explainable AI
Every recommendation includes clear reasoning, projected savings, and break-even analysis.
API Overview
Our API provides three core services for credit card intelligence:
Recommendations
Get personalized card recommendations based on spending history.
POST /v1/recommendations/cardsCard Scoring
Score any card across multiple dimensions with percentile rankings.
POST /v1/score/cardTransaction
Real-time card recommendation for a specific transaction.
POST /v1/recommendations/transactionWhy the Zocept API?
India-Specific
Optimized for Indian credit cards, spending patterns, and reward structures.
Net Value Calculation
Considers annual fees, reward caps, and redemption value for true ROI.
Category Intelligence
Smart aliasing knows that "dining" = "restaurant" = "food".
Real-Time Processing
Sub-100ms response times for transaction-level recommendations.
Rich Explanations
Every recommendation includes reasoning, caveats, and use cases.
Enterprise Ready
SLA guarantees, dedicated support, and custom algorithm tuning.