Payments
Open market (workflows) with contract-named rails. 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.
Where this market publishes its structure
- Partners' contracts: payment-method, network and rail enums machine-readable
- Zapier, n8n, Make, Composio, Monid connector catalogs machine-readable
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 25 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.
| Tags | Payments 96%, Fintech 72%, Banking 48%, Open Banking 36%, Financial Services 32%, Embedded Finance 28%, KYC 24%, Cards 20%, ACH 20% |
|---|---|
| Tag groups | Fintech 100%, Embedded Finance 48%, Finance 36%, ACH 32%, Fraud Prevention 28%, Agentic Commerce 20%, United States 20% |
| Industries | Payments & Money Movement 96%, Banking & Open Banking 84%, Financial Technology 76%, Financial Services 32%, Cybersecurity & Identity 28% |
| Capabilities | Payments & Card Management 100%, Banking Customer Management 56%, Developer Platform & API Ecosystem Management 44%, Financial Management 28%, Deposits & Savings Management 20%, Customer Relationship Management 20% |
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 4 · other companies invest to build on it
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| 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% |
| 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% |
| Griffin | 14.5 | 9 | 0 / 9 | 0 | 0 | 0 | partner-built 78%, provider-built 22% |
coverage 1 · reaches banks, carriers, systems or channels (an aggregator)
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Tink | 53.1 | 1713 | 0 / 1713 | 0 | 0 | 0 | coverage 100% |
regulated 4 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Revolut | 61.7 | 22 | 0 / 22 | 0 | 2 | 2 | provider-built 12%, ipaas-bridge 8%, contract 46%, standard 12%, covered 8%, builds-on-platform 4%, distribution 8% |
| Lightspark | 43.8 | 4 | 0 / 4 | 0 | 3 | 0 | contract 20%, standard 20%, distribution 60% |
| Currencycloud | 43.1 | 8 | 0 / 8 | 0 | 4 | 0 | contract 50%, distribution 50% |
| Weavr | 17.2 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 50%, standard 50% |
standard 2 · listed by a voluntary standard's own directory
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| FIS Global | 53.9 | 3 | 0 / 3 | 0 | 0 | 0 | standard 100% |
| Method Financial | 26.8 thin | 2 | 0 / 2 | 0 | 1 | 0 | standard 50%, distribution 50% |
core 8 · builds the connectors its customers need
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Super Payments | 51.5 | 9 | 0 / 9 | 0 | 1 | 0 | provider-built 44%, builds-on-platform 44%, distribution 11% |
| VoPay | 41.3 | 8 | 0 / 8 | 0 | 0 | 0 | provider-built 62%, contract 25%, standard 12% |
| Cash App | 38.4 | 11 | 0 / 11 | 0 | 0 | 0 | partner-built 18%, provider-built 36%, own-page 36%, contract 9% |
| Slash | 38.0 | 3 | 0 / 3 | 0 | 1 | 0 | provider-built 67%, distribution 33% |
| Efí Pay (Gerencianet) | 37.9 | 9 | 0 / 9 | 0 | 3 | 0 | provider-built 67%, distribution 33% |
| Dwolla | 33.7 | 12 | 0 / 12 | 0 | 4 | 1 | provider-built 42%, ipaas-bridge 8%, contract 8%, standard 8%, distribution 33% |
| Moov | 28.9 | 8 | 0 / 8 | 0 | 3 | 0 | provider-built 38%, contract 12%, standard 12%, distribution 38% |
| Narmi | 12.0 | 7 | 0 / 7 | 0 | 0 | 0 | provider-built 100% |
mixed 2 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| 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% |
| Resolve | 47.9 | 12 | 0 / 12 | 0 | 0 | 0 | provider-built 17%, own-page 50%, builds-on-platform 33% |
list 2 · a long list on its own page, mostly unevidenced
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Qonto | 44.2 | 18 | 0 / 18 | 0 | 0 | 2 | own-page 61%, ipaas-bridge 11%, contract 6%, standard 11%, covered 6%, builds-on-platform 6% |
| Memo Bank | 20.0 | 82 | 0 / 82 | 0 | 0 | 0 | own-page 99%, contract 1% |
distribution 2 · only sells through cloud marketplaces
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 (BC-1340, BC-1300.10, BC-1300.20, BC-200.30), 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: 50; bridges: 65 (42 not yet mapped to a capability).
| Workflow | Between | Votes | Weighted | Arazzo |
|---|---|---|---|---|
| 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 |
| 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 |
| Plaid |
Dwolla ↔ Plaid | 3 | 1.8 | workflow generated by API Evangelist |
| plaid |
Dwolla ↔ Plaid | 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 |
| 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 |
| Create Xero invoices for new Stripe payments Create Xero invoices for new Stripe payments |
Stripe ↔ Xero | 2 | 1.4 | workflow generated by API Evangelist |
| Reconcile Stripe payouts in Xero bank transactions List Stripe payouts and create matching Xero bank transactions for reconciliation. |
Stripe ↔ Xero | 2 | 1.4 | workflow generated by API Evangelist |
| Sync BigCommerce orders to Stripe payments For a BigCommerce storefront order, materialize the matching Stripe PaymentIntent so financial reporting consolidates in Stripe. |
Stripe ↔ BigCommerce | 2 | 1.4 | workflow generated by API Evangelist |
| Calculate Avalara tax at Stripe Checkout Compute cart tax with Avalara AvaTax, then attach it to a Stripe Checkout Session. |
Stripe ↔ Avalara | 2 | 1.0 | workflow generated by API Evangelist |
| Enforce Stigg entitlements at Stripe checkout Check a customer's Stigg entitlement/active subscription before creating a Stripe Checkout session to block over-quota purchases at point-of-sale. |
Stripe ↔ Stigg | 1 | 1.0 | workflow generated by API Evangelist |
| Forward Stripe events to Braze custom events Map Stripe charge/customer events into Braze custom user events, matching the customer by email or external_id. |
Stripe ↔ Braze | 1 | 1.0 | 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.