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.
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 | 58.2 | 113 | 17 / 96 | 0 | 0 | 30 | partner-built 26%, provider-built 5%, ipaas-bridge 45%, contract 24% |
| Adyen | 56.5 | 81 | 44 / 37 | 0 | 0 | 0 | partner-built 77%, provider-built 16%, contract 7% |
| Square | 52.3 | 55 | 22 / 33 | 0 | 0 | 30 | partner-built 45%, ipaas-bridge 54%, contract 2% |
| 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 | 51.9 | 1711 | 0 / 1711 | 0 | 0 | 0 | coverage 100% |
regulated 2 · named in a regulator's register or partners' contracts
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Revolut | 48.3 | 9 | 0 / 9 | 0 | 0 | 0 | provider-built 27%, contract 64%, covered 9% |
| Lightspark | 22.0 thin | 1 | 0 / 1 | 0 | 0 | 0 | contract 100% |
core 8 · builds the connectors its customers need
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Super Payments | 47.9 | 4 | 0 / 4 | 0 | 0 | 0 | provider-built 100% |
| VoPay | 44.8 | 6 | 0 / 6 | 0 | 0 | 0 | provider-built 83%, contract 17% |
| Moov | 44.5 | 4 | 0 / 4 | 0 | 0 | 0 | provider-built 75%, contract 25% |
| Efí Pay (Gerencianet) | 42.5 | 6 | 0 / 6 | 0 | 0 | 0 | provider-built 100% |
| Cash App | 38.4 | 11 | 0 / 11 | 0 | 0 | 0 | partner-built 18%, provider-built 36%, own-page 36%, contract 9% |
| Dwolla | 30.3 | 6 | 0 / 6 | 0 | 0 | 0 | provider-built 83%, contract 17% |
| Slash | 28.4 thin | 2 | 0 / 2 | 0 | 0 | 0 | provider-built 100% |
| Narmi | 12.0 | 7 | 0 / 7 | 0 | 0 | 0 | provider-built 100% |
mixed 1 · no single mode dominates
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Klarna | 35.9 | 18 | 0 / 18 | 0 | 0 | 0 | partner-built 33%, provider-built 11%, own-page 50%, contract 6% |
list 3 · a long list on its own page, mostly unevidenced
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Resolve | 33.7 | 8 | 0 / 8 | 0 | 0 | 0 | provider-built 25%, own-page 75% |
| Qonto | 20.7 | 11 | 0 / 11 | 0 | 0 | 0 | own-page 100% |
| Memo Bank | 15.2 | 81 | 0 / 81 | 0 | 0 | 0 | own-page 100% |
undeclared 6 · declares nothing we can read: no number
| Provider | Depth | Integrations | In / out | Unknown builder | Distribution | iPaaS bridge | Mix |
|---|---|---|---|---|---|---|---|
| Currencycloud | undeclared | - | - | - | - | - | |
| FIS Global | undeclared | - | - | - | - | - | |
| Method Financial | undeclared | - | - | - | - | - | |
| Unit | undeclared | - | - | - | - | - | |
| Uphold | undeclared | - | - | - | - | - | |
| Weavr | 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 (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: 49; bridges: 65 (41 not yet mapped to a capability).
| Workflow | Between | Votes | Weighted | Arazzo |
|---|---|---|---|---|
| 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 |
| Bridge Chargebee subscriptions to Stripe payment methods Retrieve a stored Stripe payment method, then create a Chargebee subscription so subscription state lives in Chargebee against the Stripe-held payment instrument. |
Stripe ↔ Chargebee | 1 | 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 2026-10-13 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.