PAY.JP · Agentic Access

PAY.JP Agentic Access

x-agentic-access generated

PAY.JP exposes 24 API operations that an AI agent could call, of which 15 are state-changing ‘acting’ operations. This is a recommended x-agentic-access execution contract — the scope, audience, consequence tier, short-lived token constraints, and escalation each action should carry before it is handed to an autonomous agent.

By consequence: 9 read and 15 write.

6 operations are classed safety-critical and should require human-in-the-loop approval at runtime.

Contracts are classified heuristically from the provider’s OpenAPI and refresh on every APIs.io network build; audience is bound per deployment. The model follows Curity’s Access Intelligence (apidays Munich 2026). Browse every provider’s agent contracts at agentic-access.apis.io.

PaymentsFinTechJapanCredit CardsSubscriptionsTokenization
Operations: 24 Acting: 15 Human-in-the-loop: 6 Method: generated

By consequence

read 9 write 15

Source

Agentic Access

Raw ↑ 
generated: '2026-07-17'
method: generated
source: openapi/payjp-openapi.yml
description: Recommended x-agentic-access execution contracts, classified heuristically from
  the OpenAPI. A governance starting point for exposing this payments API to AI agents — review
  and bind audience per deployment. Because these operations move money in JPY, charge, refund,
  capture, subscription, and tenant writes are flagged human-in-the-loop required by default.
  See research/curity/agentic-governance/.
summary:
  operations: 24
  by_action_class:
    acting: 15
    connected: 9
  by_consequence:
    write: 15
    read: 9
  human_in_the_loop_required: 6
operations:
- path: /charges
  method: post
  operationId: createCharge
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - high-value
    audit: required
- path: /charges
  method: get
  operationId: listCharges
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /charges/{id}/refund
  method: post
  operationId: refundCharge
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
      - high-value
    audit: required
- path: /charges/{id}/capture
  method: post
  operationId: captureCharge
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - money-movement
    audit: required
- path: /charges/{id}
  method: get
  operationId: retrieveCharge
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /tokens
  method: post
  operationId: createToken
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: conditional
      triggers:
      - pii
      - card-data
    audit: required
- path: /customers
  method: post
  operationId: createCustomer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - pii
    audit: required
- path: /customers
  method: get
  operationId: listCustomers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: required
- path: /customers/{id}
  method: delete
  operationId: deleteCustomer
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - destructive
    audit: required
- path: /customers/{id}/cards
  method: post
  operationId: createCustomerCard
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - card-data
    audit: required
- path: /customers/{id}/cards/{card_id}
  method: delete
  operationId: deleteCustomerCard
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: conditional
      triggers:
      - destructive
    audit: required
- path: /plans
  method: post
  operationId: createPlan
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - abnormal
    audit: required
- path: /plans/{id}
  method: delete
  operationId: deletePlan
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: conditional
      triggers:
      - destructive
    audit: required
- path: /subscriptions
  method: post
  operationId: createSubscription
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - recurring-billing
      - money-movement
    audit: required
- path: /subscriptions/{id}/cancel
  method: post
  operationId: cancelSubscription
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: conditional
      triggers:
      - recurring-billing
    audit: required
- path: /subscriptions/{id}/pause
  method: post
  operationId: pauseSubscription
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - recurring-billing
    audit: required
- path: /transfers
  method: get
  operationId: listTransfers
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: required
- path: /statements
  method: get
  operationId: listStatements
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: required
- path: /balances
  method: get
  operationId: listBalances
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: required
- path: /events
  method: get
  operationId: listEvents
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: none
- path: /three_d_secure_requests
  method: post
  operationId: createThreeDSecureRequest
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 900
    escalation:
      human-in-the-loop: conditional
      triggers:
      - card-data
    audit: required
- path: /tenants
  method: post
  operationId: createTenant
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: required
      triggers:
      - onboarding
      - money-movement
    audit: required
- path: /tenants/{id}
  method: delete
  operationId: deleteTenant
  x-agentic-access:
    action-class: acting
    consequence: write
    subject: required
    audience: null
    token:
      max-ttl: 300
    escalation:
      human-in-the-loop: conditional
      triggers:
      - destructive
    audit: required
- path: /account
  method: get
  operationId: retrieveAccount
  x-agentic-access:
    action-class: connected
    consequence: read
    subject: optional
    token:
      max-ttl: 3600
    audit: required