Payments & Card Management

BC-1340 Level 1 Banking & Capital Markets 211 providers 1190 API surfaces 37 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 1190 API surface(s) from 211 provider(s) that can perform some part of it, 37 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.

178 providers, 593 API surfaces

Payment Processing Management BC-1340.20

Payment processing, routing, formatting, ISO 20022.

33 providers, 49 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 7 Complete, well-documented, and agent-ready
Strong 30 Solid coverage with minor gaps
LightsparkAgent OperationsCardsCross-Currency TransfersSame-Currency Transfers5 APIs66.4AdyenAmountAuthoriseAuthorise3dAuthorise3ds244 APIs66.1MoovCard IssuingDisputesPayment LinksPayment Methods6 APIs65.6UnitAuthorizationsCardsChecksPayments4 APIs65.0ResolvePayments1 API63.7TinkMandatesPayments2 APIs62.3Dwollafunding sourcesmass paymentstransfers3 APIs61.6Memo BankCollectionsPISTransfersWire Transfers4 APIs61.6Super PaymentsCheckout SessionsPayment LinksPayment MethodsPayments5 APIs61.6SlashCardCard GroupTransaction3 APIs61.0Narmiach destinationsach importach paymentsach transfers16 APIs59.9RevolutCard invitationsCardsCounterpartiesDisputes16 APIs59.8Amazon Web ServicesCardvalidationdataPindata2 APIs59.4WeavrCard PaymentsCorrespondent Bank TransfersIncoming Wire TransfersManaged Cards10 APIs59.4Cash Appdisputespaymentsrefundsrequests4 APIs58.8FIS GlobalACHPaymentsWire Transfers3 APIs58.6GriffinPayeesPayments2 APIs58.5VoPayACH EndpointsBatch Request EndpointsBill Pay EndpointsClient Account Transfer Endpoints18 APIs57.5CurrencycloudPayments1 API57.2iBanFirstBeneficiariesPayments2 APIs57.1ZaiChargesItem ActionsItemsPayTo Agreements4 APIs56.4AzupayPaymentPayment AgreementPayment Agreement RequestPayment Initiation4 APIs56.2MastercardBenefit-Allocations-Card-ManagementCardsConfirmationsConversions8 APIs56.2Ripple LabsBeneficiary confirmationExchange transfersNon-orchestration paymentsOrchestration payments6 APIs55.6Unstoppable Finance (Iron)Autoramp1 API55.6FintecturePaymentsPayoutsRefundsRequest To Pay4 APIs55.1SoldoCard RulesCards2 APIs54.8KoinPayment ServicesPayout ServicesRefund ServicesTokenize Services4 APIs54.6ScalapayInstoreOrders2 APIs54.5BVNKChannelsPaymentsReturnTransaction Request4 APIs54.3
Developing 94 Usable, with meaningful gaps to close
CloudWalkCheckout LinksPayments2 APIs54.2ModulrCardsChannel Manager CardConfirmation of PayeeDirect Debit Outbound Mandate Operations11 APIs53.9PayMatePayments1 API53.9TemenosBulk PaymentsCardsDirect DebitsPayment Configuration9 APIs53.9MoniepointBanksBills PaymentBulk TransfersDebits10 APIs53.8ZeptoAgreement modificationAgreementsPayment RequestsPayments6 APIs53.4DailyPayTransfers1 API53.1MeshManaged TransfersTransfers2 APIs52.5Stark BankBoletoBoleto PaymentBrcode PaymentDynamic Brcode11 APIs52.5JPMorgan ChaseAccount UpdatesAuthenticationCheckout IntentDisputes Actions18 APIs52.3JusttChargebacksEvidencePre-chargeback Alerts3 APIs52.2PPROAuthorization EndpointsCapture EndpointsDisputesInternal10 APIs52.0PayPalAuthorizationsCapturesOrdersPayouts4 APIs51.5Silverflow3DS AuthenticationCard InfoCard ManagementCharge Actions13 APIs51.5SparePayment1 API51.2PrometeoCross-BorderPayment2 APIs51.1SIX3DS3DS AuthenticationCard ManagementCard Usage7 APIs51.1Lithic3DSAuth RulesCardCard Authorizations11 APIs50.9Allica BankDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments5 APIs50.6UpBanking Account Scheduled PaymentsBanking Payees2 APIs50.5YapilyAuthorisationsHosted Payment PagesPaymentsVariable Recurring Payments4 APIs50.4St.George BankBanking Account Scheduled Payments1 API50.3AgicapRoute payment files1 API50.2Lean TechnologiesAccount On FileConsentsConsents Account On FilePayment Destination11 APIs50.1WorldpayApmPaymentsBatch payoutCardPaymentsManage payments13 APIs50.1PayWithMyBank (Trustly)paymentstransactions2 APIs49.8HevnCardsapps-transfer2 APIs49.3GoCardlessbilling_request_flowsbilling_requestsmandatespayer_authorisations5 APIs49.1SimplifipayCard1 API49.1first directDirect DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment Consents17 APIs49.0FiptoAISP/PISPBeneficiaries2 APIs48.6Upward FinancialbillPaymentspaymentCardspayments3 APIs48.4Enable BankingPayments1 API48.2IncreaseAccount TransfersAch PrenotificationsAch TransfersCard Disputes26 APIs48.1Anchorage DigitalFiat Banking OperationsTransfers2 APIs47.6ClearBankCoPExternalCrossBorderCustomerPaymentsV4ExternalCustomerPaymentsV6ExternalReturnPaymentsV65 APIs47.5ChariotdisbursementsinboundTransfers2 APIs47.4PaxosCrypto WithdrawalsFiat Transfers2 APIs47.2ToqioCard DetailsCard LifecycleCard actionsCreate transaction8 APIs47.2ImprintTransaction IntentsTransactions2 APIs46.7WestpacBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs46.5PayUOrderPayoutRefund3 APIs45.8TesserPayments1 API45.7AugustusPayouts1 API45.6N3XTPaymentsProgrammable2 APIs45.6DefactoCredit card1 API45.3VisaAccount Management serviceAuthorization Data APIB2B Connect APICTP Checkout API15 APIs45.2DatanomikPaymentsPix Transactions2 APIs44.9NopanPayment Processing APIs1 API44.8Yorkshire Building SocietyDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments11 APIs44.7Jack Henry & AssociatesBill PayBill PaymentsCardsPayments Orchestrator9 APIs44.3Alliance Data Systems (Bread Financial Holdings)Transactions1 API44.1Wells FargoACH PaymentsPayment BatchesPayment ReturnsPayments4 APIs44.0CoinbaseChargesCheckoutsWithdrawals3 APIs43.7HolviPayment Initiation1 API43.6UpgradeTransactions1 API43.5LianLian GlobalCard PayoutsCheckoutConversionConversions13 APIs43.4InterchecksAccountsPayment Accounts - BankPayment Accounts - CardPayment Accounts - PayPal6 APIs43.3TrueLayerMandatesPaymentsPayoutsRefunds4 APIs42.9Temenos TransactCardsPayments2 APIs42.5Danske Bank (UK)Domestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersDomestic VRP Consents9 APIs42.4Bank FirstBanking Account Scheduled PaymentsBanking Payees2 APIs42.2BMOPaymentInitiationPaymentStatusPaymentStatusUpdateSend Payment Credit10 APIs42.1BankSABanking Account Scheduled Payments1 API42.0KeyCorpACH Payment OriginationACH TransactionsInitiateParticipant9 APIs42.0Modern TreasuryForeignExchangeQuoteIncomingPaymentDetailPaymentOrderReturn5 APIs42.0Synchrony FinancialPaymentsPreauthorizationsPurchasesRefunds5 APIs42.0OrumBook TransfersEligibilitySchedulesTransfers4 APIs41.8Moneris3D SecureDisputesPayment MethodsPayments6 APIs41.7C. Hoare & Co.Domestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments7 APIs41.6Roadsyncpaymenttransactions2 APIs41.6Tribe Payments3DS authentication requiredAuthorizeBulk paymentsCancel18 APIs41.3BCB GroupPayments1 API41.2Triodos Bank UKPayment Initiation Service1 API41.2WorldlineAccount - AuthorizationAccount - Authorization RestrictionAccount - OperationAuthorization18 APIs41.1Fifth Third BancorpCombined TransfersTransactionsTransfers3 APIs40.9Teachers Mutual BankBanking Payees1 API40.9Form3DirectDebitsDirectDebitsReadsPaymentReadsPaymentWrites5 APIs40.8Payments Canadasingle credit transfersingle credit transfer status enquiry2 APIs40.7KredivoCheckoutTransactions2 APIs40.3MercuryPaymentsRecipients2 APIs40.2Regional Australia BankBanking Account Scheduled Payments1 API40.2VoltTransactions1 API40.2Suncorp BankBanking Account Scheduled Payments1 API40.1IMB BankBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs40.0BelvoPayments (Brazil)1 API39.7MontranApprovalsClearingClearing SystemsCredit Transfers13 APIs39.7UK Open BankingDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments18 APIs39.7Wise3dsbatch-groupcardcard-kiosk-collection11 APIs39.6CasapDisputes1 API39.5Bendigo and Adelaide BankBanking Account Scheduled PaymentsBanking Payees2 APIs39.4AMP BankBanking Account Scheduled Payments1 API39.3Bank of QueenslandBanking Account Scheduled Payments1 API39.3Great Southern BankBanking Account Direct DebitsBanking Account Scheduled PaymentsBanking Payees3 APIs39.3
Thin 74 Limited public surface area
InvestecDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs39.2LorumInternal TransfersPayments2 APIs39.2Newcastle Permanent Building SocietyBanking Payees1 API39.2BCU BankBanking Account Scheduled Payments1 API38.8Customers BankBookTransfersIncomingAchIncomingPaymentsOutgoingAch8 APIs38.8Bud FinancialInitiate Payment - Bud licenseInitiate Payment - Client licenseManage Payments3 APIs38.6Macquarie BankBanking Account Direct Debits1 API38.4Coventry Building SocietyDirect DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment Consents15 APIs38.2Vanquis Banking GroupDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments8 APIs38.2CyberSourceChargeback DetailsChargeback SummariesCustomer Payment InstrumentFlex API15 APIs38.1Fiserv3-D SecureAuthorizationAuthorizationsBIN15 APIs38.1Hampden & CoDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs38.1Bank of AmericaPayments1 API38.0KrooDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs37.5Chase UKDirect DebitsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment Consents14 APIs37.4ColumnACH TransfersBook TransfersCheck TransfersInternational Wires6 APIs37.3Bank AustraliaBanking Account Scheduled Payments1 API37.2ING AustraliaBanking Account Scheduled PaymentsBanking Payees2 APIs37.2Bank of Ireland (UK)Domestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments15 APIs37.1Cashplus BankDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments10 APIs37.1Unity BankBanking Account Scheduled Payments1 API37.0EfíOpen Finance1 API36.9Monument BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments16 APIs36.5The Western Union CompanyBatchesOrdersPaymentsQuotes4 APIs36.5ScotiabankAccount ValidationEFT PaymentsPayment TrackingReal-Time Payments6 APIs36.3Lloyds Banking GroupDomestic 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 APIs36.1bunqCardPayment2 APIs36.0Treasury PrimeCards1 API36.0SWIFTBICs1 API35.7KanastraBank Slip (Boleto)PIX DepositPIX KeysPIX Transfer7 APIs35.6BankwestBanking Account Scheduled Payments1 API35.4Recognise BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs35.4Santander UKDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs35.3BALADAPIs/Link/Transactions1 API35.2CouttsDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs35.1zopaDirect DebitsDomestic PaymentsDomestic Standing OrdersStanding Orders4 APIs35.1Bank of usBanking Account Scheduled Payments1 API35.0ChaseOrders1 API35.0MonoDirect DebitDirectPay2 APIs34.8RotessaTransaction Schedules1 API34.8NombaCard ChargeCheckout OrdersCorridorsExchange Rates7 APIs34.5Gateway BankBanking Account Scheduled Payments1 API34.4Greater BankBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs33.9AvaloqPayment StatusPayments2 APIs33.4GB BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs33.4Auswide BankBanking Account Scheduled Payments1 API33.2BNY MellonFunds TransfersPayments2 APIs33.0OPayCashierPaymentsRefunds3 APIs33.0Cynergy BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments16 APIs32.8Lead BankACHBlockchain PaymentInstant PaymentsOriginator5 APIs32.8LoopayPayout1 API32.7AZA FinancePayin MethodsPayment MethodsPayout MethodsTransactions4 APIs32.5DecentroMandatesPayoutsSettlements3 APIs32.5National Australia BankBanking Account Scheduled Payments1 API32.4P&N BankBanking Account Scheduled Payments1 API32.3PismoAuthorizationsCards2 APIs32.1Paragon BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs31.9StoneXFX RatesPayments2 APIs31.7Bank of ScotlandBeneficiariesDirect DebitsDomestic Payment ConsentsDomestic Payments18 APIs30.9SilaPayments1 API30.8MyState BankBanking Account Scheduled Payments1 API30.5Bank of SydneyBanking Account Direct DebitsBanking Account Scheduled Payments2 APIs30.4Shawbrook BankDomestic Payment ConsentsDomestic PaymentsDomestic Scheduled Payment ConsentsDomestic Scheduled Payments14 APIs30.4US BancorpCredit TransfersPush to Card PaymentsRTP EligibilityRequest for Payment4 APIs29.6Huntington BancsharesPayments1 API29.1Total System ServicesAccountsAuthorizationCaptureCards10 APIs29.0Regions Financial CorporationPayments1 API28.9NatWest GroupDomestic PaymentsDomestic Scheduled PaymentsDomestic Standing OrdersFile Payments9 APIs28.3Global PaymentsDisputesPayment MethodsSettlementsTransactions4 APIs27.2MOVE BankBanking Account Scheduled PaymentsBanking Payees2 APIs27.1Judo BankBanking Account Scheduled Payments1 API26.2QiwiPartner1 API26.2
Emerging 4 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.

See plans →  ·  How the edges are graded →