Markets · bedrock market · provisional

Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)

Regulated register market (bank of canada rpaa psp registry, payments canada membership). The Kin Score Market layer reads each provider in its market: who it integrates with, how deep those integrations go, and where the market publishes its own structure. Methodology.

151providers measured
56 (37.1%)declare their own
83 (55.0%)covered by others only
1 (0.7%)distribution only (sell through, not integrations)
11 (7.3%)undeclared
13declare compatibility (report only, not weighted)
15in-market workflows shown
Provisional. Provisional and unweighted: the Market layer is not part of the composite or agent readiness. Leader lists are read within a position, never as one ranking. A provider that declares nothing we can read is shown as undeclared, with no number: we never infer integrations.

Where this market publishes its structure

Own = declares at least one integration itself; covered = visible only because an aggregator, standards body, regulator or partner contract names it; distribution-only = listed only on cloud marketplaces it sells through, a channel reported beside, never counted as its own declared integrations; undeclared = nothing we can read, so no number; declares_compatibility = providers with a `compatible` shape vote, report only (kin, 2026-10-13): never counted as own, never in depth or position.

Taxonomy how this market maps onto apis.io

Derived 2026-10-23 from the 151 providers in this market we could resolve in the catalog. The percentage is the share of those providers carrying each one; it describes the market, not the tag or industry. Tag groups have no page of their own yet, so they are listed unlinked.

TagsPayments 76%, Fintech 53%, Financial Services 36%, Canada 33%, Banking 28%
Tag groupsFintech 94%, United States 34%, Payouts 30%, Finance 21%
IndustriesPayments & Money Movement 82%, Financial Technology 60%, Financial Services 37%, Banking & Open Banking 37%, Accounting & Finance Operations 21%

share of resolved cohort carrying it; tags >=0.20 & >=3 members (max 12, junk dropped), tag_groups >=0.20 (cooccurrence, non-cross-cutting; max 8), industries >=0.20 (max 6), areas >=0.10 (max 6; areas are keyword-matched and sparse), capabilities L1 >=0.20 (max 8); derive-market-taxonomy.py

Leaders by position (provisional)

Provisional: grouped by position, depth compared within a position only. Distribution (cloud marketplaces) and iPaaS bridges are counted beside position, never inside it. Unknown-builder listings are left out of position shares and counted here.

gravity 9 · other companies invest to build on it

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Stripe 70.6 959 819 / 140 0 11 37 partner-built 89%, provider-built 2%, ipaas-bridge 4%, contract 2%, standard 1%, builds-on-platform 1%, distribution 1%
Adyen 60.6 106 44 / 62 0 9 3 partner-built 59%, provider-built 12%, ipaas-bridge 3%, contract 10%, standard 6%, builds-on-platform 2%, distribution 8%
Shopify 57.5 439 375 / 64 0 5 33 partner-built 90%, ipaas-bridge 5%, contract 2%, standard 1%, builds-on-platform 1%, distribution 1%
Xero 55.8 153 135 / 18 0 1 7 partner-built 87%, provider-built 2%, ipaas-bridge 4%, contract 1%, standard 3%, covered 1%, builds-on-platform 2%, distribution 1%
GoCardless 54.0 60 12 / 48 0 2 34 partner-built 21%, ipaas-bridge 61%, contract 7%, standard 2%, builds-on-platform 5%, distribution 4%
Square 52.9 80 33 / 47 0 4 35 partner-built 44%, provider-built 1%, ipaas-bridge 43%, contract 2%, standard 2%, builds-on-platform 1%, distribution 5%
Chargebee 52.3 38 19 / 19 0 4 5 partner-built 50%, ipaas-bridge 13%, contract 3%, standard 3%, covered 3%, builds-on-platform 18%, distribution 11%
Olo 52.3 395 392 / 3 0 0 0 partner-built 99%
Etsy 41.1 6 2 / 4 0 0 2 partner-built 33%, ipaas-bridge 33%, contract 17%, standard 17%

builds-on 10 · publishes apps on other platforms' stores

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
CyberSource 53.7 6 0 / 6 0 0 0 contract 33%, standard 17%, builds-on-platform 50%
Helcim 53.7 3 0 / 3 0 0 0 contract 33%, builds-on-platform 67%
Checkout.com 53.2 4 0 / 4 0 0 0 contract 25%, builds-on-platform 75%
Ramp 50.0 14 0 / 14 0 2 3 ipaas-bridge 21%, contract 7%, standard 14%, builds-on-platform 43%, distribution 14%
Clio 44.0 5 0 / 5 0 0 1 ipaas-bridge 20%, contract 20%, builds-on-platform 60%
Rippling 43.5 10 0 / 10 0 0 2 ipaas-bridge 20%, contract 10%, standard 20%, builds-on-platform 50%
Remote 42.6 9 0 / 9 0 0 2 ipaas-bridge 22%, contract 11%, standard 22%, builds-on-platform 44%
Tremendous 30.3 8 0 / 8 0 0 4 ipaas-bridge 50%, contract 12%, builds-on-platform 38%
Wave Financial 30.3 7 0 / 7 0 0 3 ipaas-bridge 43%, contract 14%, covered 14%, builds-on-platform 29%
Jobber 24.9 39 0 / 39 0 0 32 ipaas-bridge 89%, contract 3%, builds-on-platform 8%

regulated 98 · named in a regulator's register or partners' contracts

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Crossmint 58.9 3 0 / 3 0 0 0 contract 100%
Fiat Republic 58.9 3 0 / 3 0 0 0 contract 100%
StoneX 58.9 5 0 / 5 0 0 0 contract 80%, standard 20%
Wise 58.0 16 0 / 16 0 0 2 ipaas-bridge 12%, contract 62%, standard 12%, covered 6%, builds-on-platform 6%
Ebury 57.5 3 0 / 3 0 0 0 contract 100%
LemFi 57.5 3 0 / 3 0 0 0 contract 100%
Nium 57.5 5 0 / 5 0 0 0 contract 100%
Paysend 57.5 3 0 / 3 0 0 0 contract 100%
Remitly 57.5 4 0 / 4 0 0 0 contract 100%
Tipalti 57.5 3 0 / 3 0 0 0 contract 100%
Flywire 56.8 6 0 / 6 0 0 0 contract 67%, standard 17%, builds-on-platform 17%
BMO Financial Group 56.4 5 0 / 5 0 0 0 contract 80%, standard 20%
Worldpay 56.4 9 0 / 9 0 0 0 contract 56%, standard 22%, builds-on-platform 22%
CIBC 56.1 4 0 / 4 0 0 0 contract 75%, standard 25%
Scotiabank 56.1 4 0 / 4 0 0 0 contract 75%, standard 25%
Interac 55.6 3 0 / 3 0 0 0 contract 67%, standard 33%
Payoneer 55.6 6 0 / 6 0 0 0 contract 67%, builds-on-platform 33%
Paysafe 55.6 3 0 / 3 0 0 0 contract 75%, builds-on-platform 25%
Royal Bank of Canada 55.6 9 0 / 9 0 0 0 contract 56%, standard 33%, builds-on-platform 11%
Tangerine 55.6 3 0 / 3 0 0 0 contract 67%, standard 33%
TerraPay 55.6 3 0 / 3 0 0 0 contract 67%, standard 33%
The Western Union Company 55.6 3 0 / 3 0 0 0 contract 67%, standard 33%
BitPay 55.3 7 0 / 7 0 0 0 contract 57%, standard 14%, builds-on-platform 29%
Nuvei 55.1 9 0 / 9 0 0 0 contract 56%, standard 11%, builds-on-platform 33%
Afriex 50.3 4 0 / 4 0 1 0 contract 75%, distribution 25%
Authorize.net 44.4 7 0 / 7 0 3 0 contract 43%, builds-on-platform 14%, distribution 43%
Currencycloud 43.1 8 0 / 8 0 4 0 contract 50%, distribution 50%
Emburse 41.7 4 0 / 4 0 2 0 contract 25%, builds-on-platform 25%, distribution 50%
Trustly Group 41.1 7 0 / 7 0 4 0 contract 43%, distribution 57%
Aeropay 39.6 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Shift4 Payments 39.6 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
i2c 38.7 thin 2 0 / 2 0 0 0 contract 100%
Amex Bank of Canada 38.3 thin 2 0 / 2 0 0 0 contract 100%
B2B Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Bridgewater Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Brim Financial 38.3 thin 2 0 / 2 0 0 0 contract 100%
Canadian Tire Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Coast Capital Savings 38.3 thin 2 0 / 2 0 0 0 contract 100%
Corpay 38.3 thin 2 0 / 2 0 0 0 contract 100%
Equitable Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Fincra 38.3 thin 2 0 / 2 0 0 0 contract 100%
Kredete 38.3 thin 2 0 / 2 0 0 0 contract 100%
Laurentian Bank of Canada 38.3 thin 2 0 / 2 0 0 0 contract 100%
Manulife Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
National Bank of Canada 38.3 thin 2 0 / 2 0 0 0 contract 100%
Raenest 38.3 thin 2 0 / 2 0 0 0 contract 100%
Shakepay 38.3 thin 2 0 / 2 0 0 0 contract 100%
Vancity Community Investment Bank 38.3 thin 2 0 / 2 0 0 0 contract 100%
Total System Services 37.5 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Versapay 37.5 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Alight 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
AscendantFX Capital 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
BILL 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
Fin 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
Finix 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
Flinks 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Greenlight 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
KOHO 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Lithic 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Meridian Credit Union 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
Ritual 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
Till Payments 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
Vancity 36.4 thin 2 0 / 2 0 0 0 contract 50%, standard 50%
ZayZoon 36.4 thin 2 0 / 2 0 0 0 contract 50%, builds-on-platform 50%
Veem 34.8 6 0 / 6 0 3 1 ipaas-bridge 17%, contract 33%, distribution 50%
Neo Financial 28.8 thin 2 0 / 2 0 2 0 contract 33%, distribution 67%
bunq 24.6 38 0 / 38 0 0 31 ipaas-bridge 89%, contract 6%, standard 3%, covered 3%
Aspire 19.2 thin 1 0 / 1 0 0 0 contract 100%
ATB Financial 19.2 thin 1 0 / 1 0 0 0 contract 100%
Chimoney 19.2 thin 1 0 / 1 0 0 0 contract 100%
Citcon 19.2 thin 1 0 / 1 0 0 0 contract 100%
Clearing 19.2 thin 1 0 / 1 0 0 0 contract 100%
Coinflow 19.2 thin 1 0 / 1 0 0 0 contract 100%
ConnexPay 19.2 thin 1 0 / 1 0 0 0 contract 100%
Episode Six 19.2 thin 1 0 / 1 0 0 0 contract 100%
Float Financial 19.2 thin 1 0 / 1 0 0 0 contract 100%
Global Payments 19.2 thin 1 0 / 1 0 0 0 contract 100%
Grapes Finance 19.2 thin 1 0 / 1 0 0 0 contract 100%
Jingle Pay 19.2 thin 1 0 / 1 0 0 0 contract 100%
Kuda 19.2 thin 1 0 / 1 0 0 0 contract 100%
Lorum 19.2 thin 1 0 / 1 0 0 0 contract 100%
Mesh Payments 19.2 thin 1 0 / 1 0 0 0 contract 100%
NALA 19.2 thin 1 0 / 1 0 0 0 contract 100%
Navro 19.2 thin 1 0 / 1 0 0 0 contract 100%
Notch 19.2 thin 1 0 / 1 0 0 0 contract 100%
PayCargo 19.2 thin 1 0 / 1 0 0 0 contract 100%
PayIt 19.2 thin 1 0 / 1 0 0 0 contract 100%
PayStand 19.2 thin 1 0 / 1 0 0 0 contract 100%
Pismo 19.2 thin 1 0 / 1 0 0 0 contract 100%
Pliant 19.2 thin 1 0 / 1 0 0 0 contract 100%
Plooto 19.2 thin 1 0 / 1 0 0 0 contract 100%
Remitbee 19.2 thin 1 0 / 1 0 0 0 contract 100%
Salsa 19.2 thin 1 0 / 1 0 0 0 contract 100%
Scratchpay 19.2 thin 1 0 / 1 0 0 0 contract 100%
TabaPay 19.2 thin 1 0 / 1 0 0 0 contract 100%
Taptap Send 19.2 thin 1 0 / 1 0 0 0 contract 100%
Upward Financial 19.2 thin 1 0 / 1 0 0 0 contract 100%
Rotessa 10.7 25 0 / 25 0 0 23 ipaas-bridge 96%, contract 4%

standard 3 · listed by a voluntary standard's own directory

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
NCR Voyix 59.0 3 0 / 3 0 0 0 contract 33%, standard 67%
Spreedly 44.0 5 0 / 5 0 0 1 ipaas-bridge 20%, contract 20%, standard 40%, builds-on-platform 20%
Payments Canada 17.2 thin 1 0 / 1 0 0 0 standard 100%

core 2 · builds the connectors its customers need

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
UKG 52.3 330 115 / 215 0 1 0 partner-built 37%, provider-built 61%, builds-on-platform 1%
VoPay 41.3 8 0 / 8 0 0 0 provider-built 62%, contract 25%, standard 12%

mixed 14 · no single mode dominates

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Klarna 60.2 34 0 / 34 0 2 3 partner-built 18%, provider-built 6%, own-page 26%, ipaas-bridge 9%, contract 15%, standard 9%, builds-on-platform 12%, distribution 6%
PayPal 57.8 62 0 / 62 0 0 36 ipaas-bridge 60%, contract 15%, standard 12%, covered 2%, builds-on-platform 12%
Intuit 57.0 11 0 / 11 0 0 0 contract 18%, standard 36%, builds-on-platform 45%
Moneris 56.9 3 0 / 3 0 0 0 contract 33%, standard 33%, builds-on-platform 33%
Fiserv 56.4 7 0 / 7 0 0 0 contract 29%, standard 43%, builds-on-platform 29%
Affirm 55.3 7 0 / 7 0 0 0 contract 14%, standard 43%, builds-on-platform 43%
HighRadius 52.4 3 0 / 3 0 1 0 contract 33%, standard 33%, distribution 33%
Mastercard 52.4 13 0 / 13 0 4 0 contract 31%, standard 23%, builds-on-platform 15%, distribution 31%
Splitit 46.0 3 0 / 3 0 1 0 contract 33%, builds-on-platform 33%, distribution 33%
Wealthsimple 46.0 3 0 / 3 0 1 0 contract 33%, standard 33%, distribution 33%
Wingspan 46.0 3 0 / 3 0 1 0 contract 33%, standard 33%, distribution 33%
NMI 41.0 3 0 / 3 0 0 1 ipaas-bridge 33%, contract 33%, standard 33%
Foxy.io 38.9 3 0 / 3 0 0 1 ipaas-bridge 33%, contract 33%, standard 33%
Navan 35.9 8 0 / 8 0 0 3 ipaas-bridge 38%, contract 12%, standard 25%, builds-on-platform 25%

list 3 · a long list on its own page, mostly unevidenced

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Lightspeed Commerce 49.8 260 0 / 260 0 0 4 own-page 97%, ipaas-bridge 2%, contract 1%, builds-on-platform 1%
Afterpay 36.8 29 0 / 29 0 1 1 own-page 90%, ipaas-bridge 3%, contract 3%, distribution 3%
Employment Hero 13.8 54 0 / 54 0 0 3 own-page 93%, ipaas-bridge 6%, contract 2%

distribution 1 · only sells through cloud marketplaces

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
BitAccess 9.6 thin 1 0 / 1 0 1 0 distribution 100%

undeclared 11 · declares nothing we can read: no number

ProviderDepthIntegrationsIn / outUnknown builderDistributioniPaaS bridgeMix
Alterna Savings undeclared-----
Citibank Canada undeclared-----
First Nations Bank of Canada undeclared-----
Loon Finance undeclared-----
Paystone undeclared-----
PC Financial undeclared-----
Peoples Group undeclared-----
Prospera Credit Union undeclared-----
Steinbach Credit Union undeclared-----
WayPay undeclared-----
Yardi Canada undeclared-----

Top workflows by market votes

Workflows (Arazzo) and their phrasing are generated by API Evangelist, ranked by market votes (integration edges in the graph, weighted by channel).

In-market workflows only: a step on the market provider's side maps to this market's business capabilities (), and the partner is not a generic export/notify app. Other workflows are counted as bridges (including any whose steps do not resolve to a capability yet). Methodology. In-market: 96; bridges: 0.

WorkflowBetweenVotesWeightedArazzo
Push Stripe successful charges as HubSpot deals
When a Stripe charge succeeds, look up the matching HubSpot Contact and create a Closed Won HubSpot Deal with the charge amount and currency.
Stripe ↔ HubSpot 2 2.0 workflow generated by API Evangelist
Sync Stripe customers into Salesforce contacts
When a Stripe customer is created, look them up by email and create the matching Salesforce Contact with billing details.
Stripe ↔ Salesforce 2 2.0 workflow generated by API Evangelist
Replace WooCommerce Stripe plugin with declarative integration
List WooCommerce store orders and create a matching Stripe payment intent for a selected order's total and currency.
Stripe ↔ WooCommerce 2 1.9 workflow generated by API Evangelist
Commercetools
Adyen ↔ commercetools 3 1.8 workflow generated by API Evangelist
commercetools
Discover how the Adyen payments integration for commercetools can optimize your ecommerce conversions
Adyen ↔ commercetools 3 1.8 workflow generated by API Evangelist
Get Slack notifications for new Stripe sales
Get Slack notifications for new Stripe sales
Stripe ↔ Slack 3 1.8 workflow generated by API Evangelist
Post Stripe payment alerts to Slack channels
Retrieve a Stripe charge and post a payment alert to a designated Slack channel.
Stripe ↔ Slack 3 1.8 workflow generated by API Evangelist
Post failed Stripe payments to Slack
Post failed Stripe payments to Slack
Stripe ↔ Slack 3 1.8 workflow generated by API Evangelist
Plaid
Configure Plaid credentials so VoPay can fetch account-holder and bank details from Plaid when creating client accounts, contacts and EFT transactions
VoPay ↔ Plaid 3 1.8 workflow generated by API Evangelist
plaid
VoPay ↔ Plaid 3 1.8 workflow generated by API Evangelist
plaid
Adyen ↔ Plaid 2 1.8 workflow generated by API Evangelist
Add new paid Shopify orders to Google Sheets rows
Add new paid Shopify orders to Google Sheets rows
Shopify ↔ Google Sheets 4 1.6 workflow generated by API Evangelist
Add Stripe Checkout completers to a Mailchimp audience
When a Stripe Checkout session completes, subscribe the buyer to a Mailchimp audience with plan and MRR merge tags.
Stripe ↔ Mailchimp 2 1.4 workflow generated by API Evangelist
Add new Stripe customers to Mailchimp lists
Add new Stripe customers to Mailchimp lists
Stripe ↔ Mailchimp 2 1.4 workflow generated by API Evangelist
Attach Stripe customer history to Zendesk tickets
On ticket open, fetch the requester's Stripe customer and recent charges and open a Zendesk ticket enriched with that billing history.
Stripe ↔ Zendesk 2 1.4 workflow generated by API Evangelist

Generated 2026-10-24 from API Evangelist's own files; nothing on this page is a model's judgement. Provisional and unweighted; not part of the Kin Score composite or agent readiness. Read the Market layer methodology. Disagree with an edge? Every edge cites its evidence and can be corrected through the normal correction path.