Surety bond API integrations built for agencies

Merchants Bonding Company builds surety tools that get sharper over time, shaped by agent feedback and focused on efficiency, ease of use, and customization. 

The result: industry-leading surety bond solutions that set Merchants-appointed agents apart. The API offering plugs directly into your own bonding solutions, so you can build bonding into your workflow without building from scratch. 

Start Building with the Hub API 

About the Merchants Bonding API

Our commercial surety API is a RESTful interface designed to streamline the commercial surety bond lifecycle for insurance agencies. Built with JSON-based data exchange, it can integrate directly with your systems for a transparent and efficient workflow.

  • RESTful architecture with practical enhancements
  • JSON-based communication for seamless data transfer
  • Designed with an agency-centric approach
  • Supports quoting, issuance, cancellations, reinstatements, and more
  • Reduces manual work and improves operational efficiency

Contract bonds are covered too: agencies with Rapid Access Program (RAP)-eligible accounts can use the API to speed up those submissions. 

API integrations

Our API takes the building blocks of the Merchants Bonding Company Hub™ and gives you direct access to these features, empowering you to build your own solutions.

We understand that every agency operates differently. By leveraging our API, you can reduce double entry and automate surety processes including:

  • Quoting, ordering, issuing
  • Delivering bond documents
  • Correcting and endorsing bonds
  • Canceling and reinstating bonds
  • Accessing bond form metadata

Many agencies even partner with a software platform their clients already use, putting bond issuance right inside the platform's workflow. 

Putting API integrations into practice

This agency embedded ERISA fidelity bond issuance directly into a retirement-plan platform. The API integration keeps commission intact while handling underwriting behind the scenes. 

See how it works. 

Test environment and implementation

To ensure a smooth setup, our test environment provides:

  • A shared test server with a dedicated API key for development
  • Controlled user access to simulate bond transactions in a secure, sandboxed environment
  • Comprehensive, web-based documentation, entirely Swagger-based
  • Technical support available for integration assistance

Security and authentication

Security is a priority. Our API uses:

  • Agency-level credentials to control access
  • Encrypted connections to protect sensitive data

We are committed to ongoing API enhancements and actively seek feedback to improve functionality.

Get started today

Ready to take the next step?

Contact us to learn more about how Merchants Bonding Company’s technology can help your agency streamline surety processes and enhance efficiency.

 

Access the Hub API Documentation 

API integration FAQs

What is API integration, and why should I use it?
API integration enables direct communication with the Hub, automating processes and reducing manual work. This leads to a faster, more reliable bonding experience for both your agency and your clients. An API links your clients directly to the power of the Hub!
How difficult is it to set up the API?
You're not doing this alone. Merchants' in-house, U.S.-based tech team works directly with your team to set up the integration. We recommend having a development team (in-house or outsourced) with web-based API experience on your side, and a technical point of contact available beyond the initial bond deployment to support long-term success.
What do I need to get started?
  • Experience with web-based APIs
  • A business plan for implementation for your team and clients

See the surety bond API in action

Curious what this looks like in practice? These blogs walk through how the surety bond API works for real agencies and platforms. 

 

Want More Information About Merchants' API?

Submit an inquiry form and someone from our team of surety technology experts will contact you!

 

 

Merchants Bonding Company will share your information with one or more appointed agencies for purposes of evaluating, underwriting, and servicing your bonding needs.