Payment Account Reference Inquiry API

mastercard · Company

Company No Auth Free & Open API

The Payment Account Reference Inquiry API is the unified Mastercard interface for allowing Mastercard Customers involved in payment card acceptance -- whether Merchants, Acquirers, or Digital Activity Customers (DACs) -- to enquire the PAR Vault for getting the PAR, when providing an Account Primary Account Number (PAN) linked to a digitized PAN.

Authentication

No authentication requiredFree to use with no key needed.

Sample Requests

POST Submit an encrypted PAN to obtain the PAR linked to the account.

The API performs a PAR query into the PAR Vault with the supplied PAN. When a PAR is returned from the PAR vault the API will encrypt it using the wrapped encryption method with the Mastercard Customer?s Encryption Public Key and include it in the API response.

https://api.apis.guru/v2/specs/mastercard.com/PaymentAccountReferenceInquiryAPI/1.1/par/paymentaccountreference/1/0/getPaymentAccountReference

Hover any highlighted part to learn what it does

curl -X POST "https://api.apis.guru/v2/specs/mastercard.com/PaymentAccountReferenceInquiryAPI/1.1/par/paymentaccountreference/1/0/getPaymentAccountReference"

import requests
response = requests.post(
    "https://api.apis.guru/v2/specs/mastercard.com/PaymentAccountReferenceInquiryAPI/1.1/par/paymentaccountreference/1/0/getPaymentAccountReference",
)
print(response.json())

const url = 'https://api.apis.guru/v2/specs/mastercard.com/PaymentAccountReferenceInquiryAPI/1.1/par/paymentaccountreference/1/0/getPaymentAccountReference';

const response = await fetch(url, {
  method: 'POST',
}); 
const data = await response.json();
console.log(data);

package main

import (
	"fmt"
	"io"
	"net/http"
)

func main() {
	targetURL := "https://api.apis.guru/v2/specs/mastercard.com/PaymentAccountReferenceInquiryAPI/1.1/par/paymentaccountreference/1/0/getPaymentAccountReference"
	req, _ := http.NewRequest("POST", targetURL, nil)

	client := &http.Client{}
	resp, _ := client.Do(req)
	defer resp.Body.Close()
	body, _ := io.ReadAll(resp.Body)
	fmt.Println(string(body))
}

require "net/http"
require "json"

uri = URI("https://api.apis.guru/v2/specs/mastercard.com/PaymentAccountReferenceInquiryAPI/1.1/par/paymentaccountreference/1/0/getPaymentAccountReference")

http = Net::HTTP.new(uri.host, uri.port)
http.use_ssl = uri.scheme == "https"

req = Net::HTTP::Post.new(uri)

res = http.request(req)
puts JSON.parse(res.body)

<?php
$url = "https://api.apis.guru/v2/specs/mastercard.com/PaymentAccountReferenceInquiryAPI/1.1/par/paymentaccountreference/1/0/getPaymentAccountReference";
$opts = ["http" => [
    "method" => "POST",
]];
$ctx = stream_context_create($opts);
$res = file_get_contents($url, false, $ctx);
print_r(json_decode($res, true));

Postman Setup Guide

Get Postman ↗

See official documentation for authentication and setup.

What can you build with Payment Account Reference Inquiry API?

Payment Account Reference Inquiry API is a Company API. Developers commonly use company APIs for:

enriching CRM records with company firmographics
building lead-generation and prospecting tools
verifying business identity and registration details
monitoring competitors and market intelligence
powering B2B data enrichment pipelines

No authentication required. This API is open — no signup or key needed. Ideal for quick prototypes and public-facing features. Payment Account Reference Inquiry API is free to use, making it a low-risk choice to experiment with.

New to APIs? Read our beginner's guide · Learn about API keys · What is REST?

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