# AOPAY Technology

**Canonical:** https://apis.io/providers/aopay/  
**Website:** https://aopay.in/  
**APIs profiled:** 20

AOPAY Technology provides an integrated fintech platform offering banking, lending, payments, and financial services solutions. Their suite includes payment gateway, UPI QR code, virtual accounts, escrow, connected banking, credit reporting, and various APIs for travel, loan management, and microfinance. Targeting NBFCs, banks, and digital lenders, AOPAY aims to replace multiple vendors with a unified, PCI‑DSS certified, RBI‑aligned infrastructure, enabling businesses to automate verification, collections, and financial operations.

## Kin Score — 23.3 / 100 (emerging)

Scored 2026-11-06 under rubric 0.27.0. Trend: falling (-5.6 from 28.9).

| Facet | Score |
|---|---|
| Discoverability | 60.7 |
| Contract Quality | 25.5 |
| Contract Governance | 35.6 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 21.4 |
| Access Clarity | 15.8 |

Regulatory layer — **Banking & Open Finance**: 19.7 (matched via tags).

## Agent readiness — 19.3 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | no |
| MCP Tool Quality | na |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (20)

- **AOPAY Payments API** — Payment and payout APIs for merchants.
- **AOPAY Technology Ancillaries API** — The Ancillaries API from AOPAY Technology — 1 operation(s) for ancillaries.
- **AOPAY Technology Bookings API** — The Bookings API from AOPAY Technology — 4 operation(s) for bookings.
- **AOPAY Technology Brand API** — The Brand API from AOPAY Technology — 1 operation(s) for brand.
- **AOPAY Technology Bus API** — The Bus API from AOPAY Technology — 3 operation(s) for bus.
- **AOPAY Technology Create API** — The Create API from AOPAY Technology — 1 operation(s) for create.
- **AOPAY Technology Deposit API** — The Deposit API from AOPAY Technology — 1 operation(s) for deposit.
- **AOPAY Technology Flights API** — The Flights API from AOPAY Technology — 3 operation(s) for flights.
- **AOPAY Technology Hotel API** — The Hotel API from AOPAY Technology — 1 operation(s) for hotel.
- **AOPAY Technology Investment API** — The Investment API from AOPAY Technology — 1 operation(s) for investment.
- **AOPAY Technology Payment API** — The Payment API from AOPAY Technology — 2 operation(s) for payment.
- **AOPAY Technology Recurring Deposit API** — The Recurring Deposit API from AOPAY Technology — 1 operation(s) for recurring deposit.
- **AOPAY Technology Reports API** — The Reports API from AOPAY Technology — 1 operation(s) for reports.
- **AOPAY Technology Search API** — The Search API from AOPAY Technology — 1 operation(s) for search.
- **AOPAY Technology Seats API** — The Seats API from AOPAY Technology — 1 operation(s) for seats.
- **AOPAY Technology Tickets API** — The Tickets API from AOPAY Technology — 1 operation(s) for tickets.
- **AOPAY Technology Trains API** — The Trains API from AOPAY Technology — 2 operation(s) for trains.
- **AOPAY Technology Wallet API** — The Wallet API from AOPAY Technology — 2 operation(s) for wallet.
- **AOPAY Technology Webhook API** — The Webhook API from AOPAY Technology — 1 operation(s) for webhook.
- **AOPAY Technology Whitelabel API** — The Whitelabel API from AOPAY Technology — 1 operation(s) for whitelabel.

## Security (2)

- **Aopay Authentication** — 1 scheme
- **Aopay Domain Security** — TLSv1.2 · DMARC

## Tags

Fintech, Payments, Banking, NBFC

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/aopay/). Scores are computed from the provider's own public artifacts under a published rubric.