Consumer Commerce › Consumer Payment Options

Consumer Payment Options

AE-140.30 Level 2 API Evangelist extension API Evangelist extension, CC BY-NC-SA 82 providers 163 API surfaces 46 rated strong or better

How a shopper pays.

Consumer Payment Options (AE-140.30) is a level-2 business capability under Consumer Commerce in the API Evangelist extension model. The catalog holds 163 API surface(s) from 82 provider(s) that can perform some part of it, 46 of them rated strong or better. Reach is the vendor surface that lands on this capability — it is not a claim about what any particular organisation has deployed.

Where this capability definition comes from. This capability is part of the API Evangelist extension to the business-capability model, written by API Evangelist and licensed CC BY-NC-SA 4.0. API Evangelist capability extension — https://apievangelist.com Audience: consumerb2b It extends, and never modifies, Turbo EA Capabilities by Vincent Verdet (CC BY 4.0). · Extension provenance and licence

Sub-capabilities

Buy Now, Pay Later AE-140.30.10API Evangelist extension, CC BY-NC-SA

consumerb2b

Instalment payment at checkout.

no catalog coverage

Point-of-Service Consumer Financing AE-140.30.40API Evangelist extension, CC BY-NC-SA

consumerb2b

Instalment loans a merchant or tradesperson offers on a quote, invoice or in person for larger tickets such as home repairs and elective care (Wisetack, Sunbit, GreenSky, Patien...

no catalog coverage

Digital & Mobile Wallets AE-140.30.20API Evangelist extension, CC BY-NC-SA

consumer

Phone and wallet payments.

no catalog coverage

QR & Contactless Payments AE-140.30.30API Evangelist extension, CC BY-NC-SA

consumer

Paying by QR code or tap.

no catalog coverage

Providers that reach this capability

Ordered by rating band. Reach means a provider publishes an API surface that can perform some part of this capability — it is not a claim that any particular organisation has deployed it.

Exemplar 19 Complete, well-documented, and agent-ready
StripePayment Method Configurations1 API82.6BigCommerceMethodsPayment ActionsProcessingStored Instruments4 APIs77.9OptimizelySpreedly1 API75.5TabbyCheckout1 API74.9MoovApple pay1 API74.2SquareCards1 API73.6AdyenApple1 API73.3ForageCustom SessionsDeferred CaptureFully Hosted SessionsOrder Payments6 APIs73.3Adobe Suiteapplepay/auth1 API73.2PluggyPayment IntentPayment Request2 APIs72.4Peach PaymentsPayments1 API69.5EmporixPaymentPayment - frontendPayment modePayment mode - frontend4 APIs68.8PayMongoPaymentsQR PhSources3 APIs68.8PayTabsPayments1 API67.8CurlecPayments1 API67.6Fat ZebraPay PalPurchases2 APIs66.8MedusaPayments1 API66.7Unified.toPayment1 API66.6ToastPayments1 API66.5
Strong 27 Solid coverage with minor gaps
DOKUDirect Debit & e-WalletQRISVirtual Account3 APIs66.0EnturPayments1 API65.5BancontactMerchant Endpoints1 API65.3KeapPayment Methods1 API64.6Culqi3 DSCharges2 APIs64.3MonerisInstallments1 API64.2commercetoolsPayments1 API63.1Bolt FinancialPaymentsTransactions2 APIs62.4OzowPayments1 API62.4Gr4vyBuyers - Payment methodsDigital WalletsDigital wallets - SessionsPayment Options5 APIs61.9PaystackCharge1 API61.7CM.comBancontactBankTransferBelfiusPayButtonKlarna10 APIs61.4KoinPayment Request1 API60.9Commerce LayerExternal PaymentsPayment GatewaysStripe PaymentsWire Transfers15 APIs59.7HelcimPayment1 API59.5XRPayPayment Intents1 API58.6PPROVoid Endpoints1 API58.2Raiffeisenbank (Russia)QRQRVariablewhite-label3 APIs57.8MonoovaCreate Payment Using Token1 API56.0PayPalPayment Tokens1 API56.0MastercardOffers1 API55.7Cart.comPayment Methods1 API55.4DojoPayment Intents1 API55.2GSMAPayment1 API55.1FlutterwaveChargesPayment Methods2 APIs54.8AeropayCreate & Manage Transactions1 API54.7dLocalPayments1 API54.3
Developing 28 Usable, with meaningful gaps to close
Deutsche BankFormsGoogle Pay2 APIs53.4SIXClick to Pay Issuer Offered1 API52.8CoinflowCard TokenizationCustomers2 APIs52.4Accrue SavingsPayment IntentsPayments2 APIs52.0M-Pesa (Safaricom Daraja)M-Pesa Express1 API51.8ShopBackAccount LinkingOrdersPre Auth3 APIs51.3GetPaidPayments1 API51.2WorldpayPayment1 API51.1HyperPayCOPYandPAY1 API50.9JPMorgan ChasePayment Methods1 API50.5ViatorPayments1 API49.8ChargeAfterCheckoutConsumersV2LinksSessionsV34 APIs49.6UzumTwo Step Payment1 API49.6WompiPayment LinksPayment SourcesTokenizationTransactions4 APIs49.6Shift4Pay PalQR PaymentsTransactions3 APIs49.1AmazonCharge PermissionsRefunds2 APIs49.0LokkiAncvPayment2 APIs48.6MTN GroupPayment1 API48.5KushkiCard Present ChargesCashChargesTransfer4 APIs47.1VisaCTP Consumer Management API1 API46.3BlackbirdPayments1 API46.0ConektaPayment Methods1 API45.6FlexaCommerce Intents1 API45.4Elastic PathGatewaysPayments2 APIs44.2Mercado PagoCardsPayment Methods2 APIs41.8SheevaCredit CardsPaymentsUPI3 APIs41.7VTEXInstallmentsPayment Flow2 APIs41.6VenHubuser-payment1 API40.0
Thin 8 Limited public surface area
ClickatellChat 2 Pay API1 API39.1MODIVOpayPalBraintreeAuthV1paymentServicesPaypalCompleteOrderV1paymentServicesPaypalPaymentConfigRequestV1paymentServicesPaypalPaymentOrderRequestV16 APIs38.1PayUCard InstallmentsPayment Methods2 APIs37.9VerifoneTransactions1 API36.5EBANXPaymentPage1 API35.2Checkout.comApple PayPayment ContextPayment MethodsPayments4 APIs29.4CrossmintPayment Methods1 API28.2AbacatePayPix1 API26.7
This page carries no rating. Capabilities are not rated. A capability is a description of what a business does, not a thing a company publishes, so a Kin Score would have nothing to measure.
The edge table is a Pro feature. This page shows which providers and tags reach Consumer Payment Options. The underlying tag → capability edges — each with the quoted fragment of the provider's own OpenAPI that evidences it, a calibrated confidence score, and the contract-provenance gate it passed — are available through the API, along with company-level capability maps. Only edges at confidence ≥ 0.7 with evidence found verbatim in the source contract are published at all.

See plans →  ·  How the edges are graded →