Payments & Card Management

BC-1340 Level 1 Banking & Capital Markets 210 providers 1186 API surfaces 59 rated strong or better

Payment initiation, processing, clearing/settlement, card issuance and transaction processing.

Payments & Card Management (BC-1340) is a level-1 business capability in the Banking & Capital Markets model. The catalog holds 1186 API surface(s) from 210 provider(s) that can perform some part of it, 59 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 a published business-architecture model that API Evangelist did not author. It is redistributed here under CC-BY-4.0. Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities, CC BY 4.0 Changes: Consolidated from 333 per-L1 YAML files into one JSON; English only (upstream i18n/ omitted); descriptions whitespace-normalised. No capability was added, removed, renamed or re-parented. Source repository · NOTICE and third-party framework attributions

Sub-capabilities

Payment Initiation Management BC-1340.10

Payment instruction capture, validation, authorisation.

177 providers, 591 API surfaces

Payment Processing Management BC-1340.20

Payment processing, routing, formatting, ISO 20022.

32 providers, 47 API surfaces

Clearing & Settlement Management BC-1340.30

Domestic clearing - ACH, BACS, SEPA, FPS - and settlement.

17 providers, 23 API surfaces

Cross-Border Payment Management BC-1340.40

International payments, correspondent banking, FX.

46 providers, 157 API surfaces

Real-Time Payment Management BC-1340.50

Real-time / instant payment rails.

18 providers, 37 API surfaces

Card Issuance Management BC-1340.60

Card production, personalisation, dispatch, activation.

32 providers, 63 API surfaces

Card Transaction Processing Management BC-1340.70

Switching, authorisation, fraud screening, chargebacks.

38 providers, 137 API surfaces

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 21 Complete, well-documented, and agent-ready
Strong 38 Solid coverage with minor gaps
AzupayPaymentPayment AgreementPayment Agreement RequestPayment Initiation4 APIs65.9Efí Pay (Gerencianet)Automatic PixBill PaymentsBiometric PixCard Payments14 APIs65.6TinkMandatesPayments2 APIs65.0CurrencycloudPayments1 API64.8ZaiChargesItem ActionsItemsPayTo Agreements4 APIs64.7Moneris3D SecureDisputesPayment MethodsPayments6 APIs64.2ResolvePayments1 API63.2WestpacBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs62.7Bendigo and Adelaide BankBanking Account Scheduled PaymentsBanking Payees2 APIs62.2ScalapayInstoreOrders2 APIs61.2VoPayACH EndpointsBatch Request EndpointsBill Pay EndpointsClient Account Transfer Endpoints18 APIs61.1KoinPayment ServicesPayout ServicesRefund ServicesTokenize Services4 APIs60.9Cash Appdisputespaymentsrefundsrequests4 APIs60.8iBanFirstBeneficiariesPayments2 APIs60.4CloudWalkCheckout LinksPayments2 APIs60.3SoldoCard RulesCards2 APIs59.4BVNKChannelsPaymentsReturnTransaction Request4 APIs59.0TemenosBulk PaymentsCardsDirect DebitsPayment Configuration9 APIs58.8Amazon Web ServicesCardvalidationdataPindata2 APIs58.6ModulrCardsChannel Manager CardConfirmation of PayeeDirect Debit Outbound Mandate Operations11 APIs58.2PPROAuthorization EndpointsCapture EndpointsDisputesInternal10 APIs58.2ZeptoAgreement modificationAgreementsPayment RequestsPayments6 APIs58.2PayMatePayments1 API57.5Lean TechnologiesAccount On FileConsentsConsents Account On FilePayment Destination11 APIs56.8Stark BankBoletoBoleto PaymentBrcode PaymentDynamic Brcode11 APIs56.8WorldlineAccount - AuthorizationAccount - Authorization RestrictionAccount - OperationAuthorization18 APIs56.7AgicapRoute payment files1 API56.6CoinbaseChargesCheckouts2 APIs56.1MoniepointBanksBills PaymentBulk TransfersDebits10 APIs56.1PayPalAuthorizationsCapturesOrdersPayouts4 APIs56.0MastercardBenefit-Allocations-Card-ManagementCardsConfirmationsConversions8 APIs55.7ChariotdisbursementsinboundTransfers2 APIs55.2JusttChargebacksEvidencePre-chargeback Alerts3 APIs55.0VoltTransactions1 API54.9AMP BankBanking Account Scheduled Payments1 API54.7PrometeoCross-BorderPayment2 APIs54.6GoCardlessbilling_request_flowsbilling_requestsmandatespayer_authorisations5 APIs54.4Macquarie BankBanking Account Direct Debits1 API54.4
Developing 85 Usable, with meaningful gaps to close
MeshManaged TransfersTransfers2 APIs54.1HevnCardsapps-transfer2 APIs53.5NatWest GroupDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments9 APIs53.4DailyPayTransfers1 API53.2SIX3DS3DS AuthenticationCard ManagementCard Usage7 APIs52.8Ripple LabsBeneficiary confirmationExchange transfersNon-orchestration paymentsOrchestration payments6 APIs52.7Anchorage DigitalFiat Banking OperationsTransfers2 APIs52.6Bank of QueenslandBanking Account Scheduled Payments1 API52.1FintecturePaymentsPayoutsRefundsRequest To Pay4 APIs52.0FiptoAISP/PISPBeneficiaries2 APIs52.0St.George BankBanking Account Scheduled Payments1 API51.9Allica BankDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments5 APIs51.6N3XTPaymentsProgrammable2 APIs51.6Temenos TransactCardsPayments2 APIs51.2WorldpayApmPaymentsBatch payoutCardPaymentsManage payments13 APIs51.1DefactoCredit card1 API50.8JPMorgan ChaseAccount UpdatesAuthenticationCheckout IntentDisputes Actions18 APIs50.5Form3DirectDebitsDirectDebitsReadsPaymentReadsPaymentWrites5 APIs50.3LianLian GlobalCard PayoutsCheckoutConversionConversions13 APIs50.3SparePayment1 API50.1ToqioCard DetailsCard LifecycleCard actionsCreate transaction8 APIs50.1Silverflow3DS AuthenticationCard InfoCard ManagementCharge Actions13 APIs49.9PaxosCrypto WithdrawalsFiat Transfers2 APIs49.8Wells FargoACH PaymentsPayment BatchesPayment ReturnsPayments4 APIs49.8ImprintTransaction IntentsTransactions2 APIs49.5first directDirect DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment Consents17 APIs49.3National Australia BankBanking Account Scheduled Payments1 API49.3IncreaseAccount TransfersAch PrenotificationsAch TransfersCard Disputes26 APIs49.2RotessaTransaction Schedules1 API49.1Tribe Payments3DS authentication requiredAuthorizeBulk paymentsCancel18 APIs49.0Enable BankingPayments1 API48.9SimplifipayCard1 API48.9IMB BankBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs48.4BCB GroupPayments1 API48.0AugustusPayouts1 API47.9Fifth Third BancorpCombined TransfersTransactionsTransfers3 APIs47.0Triodos Bank UKPayment Initiation Service1 API46.9TrueLayerMandatesPaymentsPayoutsRefunds4 APIs46.8DatanomikPaymentsPix Transactions2 APIs46.4VisaAccount Management serviceAuthorization Data APIB2B Connect APICTP Checkout API15 APIs46.3ClearBankCoPExternalCrossBorderCustomerPaymentsV4ExternalCustomerPaymentsV6ExternalReturnPaymentsV65 APIs46.1Newcastle Permanent Building SocietyBanking Payees1 API45.9CouttsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs45.8Danske Bank (UK)Domestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersDomestic VRP Consents9 APIs45.7HolviPayment Initiation1 API45.3AZA FinancePayin MethodsPayment MethodsPayout MethodsTransactions4 APIs45.1Lithic3DSAuth RulesCardCard Authorizations11 APIs45.1NopanPayment Processing APIs1 API44.9Upward FinancialbillPaymentspaymentCardspayments3 APIs44.6Yorkshire Building SocietyDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments11 APIs44.6PayWithMyBank (Trustly)paymentstransactions2 APIs44.1TesserPayments1 API44.1Bank of AmericaPayments1 API43.8InterchecksAccountsPayment Accounts - BankPayment Accounts - CardPayment Accounts - PayPal6 APIs43.7BankSABanking Account Scheduled Payments1 API43.6Bank of Ireland (UK)Domestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments15 APIs43.3SWIFTBICs1 API42.9Jack Henry & AssociatesBill PayBill PaymentsCardsPayments Orchestrator9 APIs42.6Suncorp BankBanking Account Scheduled Payments1 API42.6zopaDirect DebitsDomestic PaymentsDomestic Standing OrdersStanding Orders4 APIs42.4KeyCorpACH Payment OriginationACH TransactionsInitiateParticipant9 APIs42.3OPayCashierPaymentsRefunds3 APIs42.3UpgradeTransactions1 API42.3Bank FirstBanking Account Scheduled PaymentsBanking Payees2 APIs42.2BMOPaymentInitiationPaymentStatusPaymentStatusUpdateSend Payment Credit10 APIs42.1Customers BankBookTransfersIncomingAchIncomingPaymentsOutgoingAch8 APIs42.1Hampden & CoDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs41.9LorumInternal TransfersPayments2 APIs41.6OrumBook TransfersEligibilitySchedulesTransfers4 APIs41.6Regional Australia BankBanking Account Scheduled Payments1 API41.5C. Hoare & Co.Domestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments7 APIs41.4Synchrony FinancialPaymentsPreauthorizationsPurchasesRefunds5 APIs41.2Payments Canadasingle credit transfersingle credit transfer status enquiry2 APIs41.1YapilyAuthorisationsHosted Payment PagesPaymentsVariable Recurring Payments4 APIs41.0Teachers Mutual BankBanking Payees1 API40.9Alliance Data Systems (Bread Financial Holdings)Transactions1 API40.7Modern TreasuryForeignExchangeQuoteIncomingPaymentDetailPaymentOrderReturn5 APIs40.6KredivoCheckoutTransactions2 APIs40.3MercuryPaymentsRecipients2 APIs40.1InvestecDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs40.0CasapDisputes1 API39.6Lloyds Banking GroupDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments16 APIs39.5Great Southern BankBanking Account Direct DebitsBanking Account Scheduled PaymentsBanking Payees3 APIs39.4KrooDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs39.4Chase UKDirect DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment Consents14 APIs39.3
Thin 62 Limited public surface area
bunqCardPayment2 APIs39.2MOVE BankBanking Account Scheduled PaymentsBanking Payees2 APIs39.2MontranApprovalsClearingClearing SystemsCredit Transfers13 APIs39.1BCU BankBanking Account Scheduled Payments1 API38.9Roadsyncpaymenttransactions2 APIs38.5Coventry Building SocietyDirect DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment Consents15 APIs38.2Vanquis Banking GroupDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments8 APIs38.2Cashplus BankDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments10 APIs38.0UK Open BankingDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments18 APIs38.0PayUOrderPayoutRefund3 APIs37.9Fiserv3-D SecureAuthorizationAuthorizationsBIN15 APIs37.8Wise3dsbatch-groupcardcard-kiosk-collection11 APIs37.5Bank AustraliaBanking Account Scheduled Payments1 API37.3ING AustraliaBanking Account Scheduled PaymentsBanking Payees2 APIs37.2The Western Union CompanyBatchesOrdersPaymentsQuotes4 APIs37.2Unity BankBanking Account Scheduled Payments1 API37.0ScotiabankAccount ValidationEFT PaymentsPayment TrackingReal-Time Payments6 APIs36.9BelvoPayments (Brazil)1 API36.7Monument BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments16 APIs36.6Judo BankBanking Account Scheduled Payments1 API36.3Cynergy BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments16 APIs36.2Secure Trust BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs36.2Tandem BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs36.2Bank of ScotlandBeneficiariesDirect DebitsDomestic Payment ConsentsDomestic Payments18 APIs36.1ColumnACH TransfersBook TransfersCheck TransfersInternational Wires6 APIs36.1Treasury PrimeCards1 API36.1Bud FinancialInitiate Payment - Bud licenseInitiate Payment - Client licenseManage Payments3 APIs36.0Santander UKDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs36.0KanastraBank Slip (Boleto)PIX DepositPIX KeysPIX Transfer7 APIs35.6BankwestBanking Account Scheduled Payments1 API35.4ChaseOrders1 API35.4LoopayPayout1 API35.4Recognise BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs35.4BNY MellonFunds TransfersPayments2 APIs35.3US BancorpCredit TransfersPush to Card PaymentsRTP EligibilityRequest for Payment4 APIs35.3BALADAPIs/Link/Transactions1 API35.2AvaloqPayment StatusPayments2 APIs35.1Bank of usBanking Account Scheduled Payments1 API35.1Greater BankBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs34.9CyberSourceChargeback DetailsChargeback SummariesCustomer Payment InstrumentFlex API15 APIs34.7StoneXFX RatesPayments2 APIs34.5Gateway BankBanking Account Scheduled Payments1 API34.4P&N BankBanking Account Scheduled Payments1 API34.1NombaCard ChargeCheckout OrdersCorridorsExchange Rates7 APIs33.5EfíOpen Finance1 API33.4GB BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs33.4Auswide BankBanking Account Scheduled Payments1 API33.2Paragon BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs31.8MonoDirect DebitDirectPay2 APIs31.6Bank of SydneyBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs31.1Police BankBanking Account Direct DebitsBanking Account Scheduled PaymentsBanking Payees3 APIs30.8MyState BankBanking Account Scheduled Payments1 API30.5Shawbrook BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs30.5Total System ServicesAccountsAuthorizationCaptureCards10 APIs28.5QiwiPartner1 API28.3Huntington BancsharesPayments1 API28.2Regions Financial CorporationPayments1 API28.1PismoAuthorizationsCards2 APIs27.9Global PaymentsDisputesPayment MethodsSettlementsTransactions4 APIs27.6Lead BankACHBlockchain PaymentInstant PaymentsOriginator5 APIs27.3SilaPayments1 API27.0SyncteraACHCardsPaymentSchedulesRemote Check Deposit (beta)6 APIs26.7
Emerging 2 Early or largely undocumented
Minimal 2 Almost no public developer surface

Workflows that realise this capability

Arazzo workflows whose own sourceDescriptions call APIs that carry this capability. The link is derived, not asserted: each workflow declares x-realizes-capability-ids with the spec and confidence behind it.

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 Payments & Card Management. 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.

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