# Thought Machine Vault Payments API

**Canonical:** https://apis.io/apis/thought-machine/vault-payments/  
**Provider:** Thought Machine — https://apis.io/providers/thought-machine/  
**Documentation:** https://www.thoughtmachine.net/vaultpayments

Thought Machine Vault Payments API is one of 2 APIs that [Thought Machine](https://apis.io/providers/thought-machine/) publishes on the [APIs.io](https://apis.io/) network. Tagged areas include Payments, ISO 20022, Cards, Instant Payments, and Clearing. The published artifact set on APIs.io includes API documentation.

Vault Payments is Thought Machine's cloud-native payments processing platform, able to run card, instant, batch clearing and cross-border payment types across schemes and regions. Payments are natively represented as ISO 20022 messages. The platform exposes RESTful APIs plus streaming APIs that push payment, product, payment-instrument and configuration data out in real time, and offers dynamic account routing that decouples payment instruments from funding sources. It runs standalone against a legacy core or pre-integrated with Vault Core. Base URLs are per-deployment and are not published publicly.

## Machine-readable artifacts (2)

- **Documentation** — https://docs.thoughtmachine.net/
- **Website** — https://www.thoughtmachine.net/vaultpayments

## Other Thought Machine APIs (1)

- [Thought Machine Vault Core API](https://apis.io/apis/thought-machine/vault-core/)

## Tags

Payments, ISO 20022, Cards, Instant Payments, Clearing, Streaming

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/thought-machine/vault-payments/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/thought-machine/.