# Assembly Payments

**Canonical:** https://apis.io/providers/assembly-payments/  
**Website:** https://assemblypay.com/  
**APIs profiled:** 7

Assembly Payments was an Australian payments platform founded to give marketplaces, platforms and businesses embedded payment processing, digital wallets, escrow-style payment workflows and real-time payouts through an API. According to the company's own About page, Assembly Payments became the first non-bank to launch real-time payments in Australia and later merged with CurrencyFair to become Zai; assemblypay.com now redirects to hellozai.com, and the developer portal at developer.hellozai.com (still introduced as 'The Assembly Payments Developer Portal') documents the Zai payments API for payment processing, wallets, PayTo, payouts and workflow automation.

## Kin Score — 63.2 / 100 (strong)

Scored 2026-11-06 under rubric 0.27.0. Trend: flat (-1.3 from 64.5).

| Facet | Score |
|---|---|
| Discoverability | 80.4 |
| Contract Quality | 71.9 |
| Contract Governance | 35.6 |
| Operational Transparency | 57.9 |
| Developer Ergonomics | 62.5 |
| Access Clarity | 52.6 |

Regulatory layer — **Payments**: 40.2 (matched via tags).

## Agent readiness — 44.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | verified |
| MCP Server | no |
| Auth Clarity | negotiable |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | yes |
| 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 | paginated |
| Operation Distinctiveness | distinct |
| MCP Tool Quality | na |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: high).

## APIs (31)

- **Webhooks API** — Configure and manage webhook subscriptions and delivery for Zai/Assembly platform events.
- **Assembly Payments Addresses API** — The Addresses API from Assembly Payments — 1 operation(s) for addresses.
- **Assembly Payments Authentication API** — The Authentication API from Assembly Payments — 1 operation(s) for authentication.
- **Assembly Payments Bank Accounts API** — The Bank Accounts API from Assembly Payments — 6 operation(s) for bank accounts.
- **Assembly Payments Batch Transactions API** — The Batch Transactions API from Assembly Payments — 2 operation(s) for batch transactions.
- **Assembly Payments BPay Accounts API** — The BPay Accounts API from Assembly Payments — 3 operation(s) for bpay accounts.
- **Assembly Payments Callbacks API** — The Callbacks API from Assembly Payments — 4 operation(s) for callbacks.
- **Assembly Payments Card Accounts API** — The Card Accounts API from Assembly Payments — 4 operation(s) for card accounts.
- **Assembly Payments Charges API** — The Charges API from Assembly Payments — 4 operation(s) for charges.
- **Assembly Payments Companies API** — The Companies API from Assembly Payments — 2 operation(s) for companies.
- **Assembly Payments Direct Debit Authorities API** — The Direct Debit Authorities API from Assembly Payments — 2 operation(s) for direct debit authorities.
- **Assembly Payments Disbursements API** — The Disbursements API from Assembly Payments — 7 operation(s) for disbursements.
- **Assembly Payments Failed NPP Payment Details API** — The Failed NPP Payment Details API from Assembly Payments — 1 operation(s) for failed npp payment details.
- **Assembly Payments Fees API** — The Fees API from Assembly Payments — 2 operation(s) for fees.
- **Assembly Payments Item Actions API** — The Item Actions API from Assembly Payments — 8 operation(s) for item actions.
- **Assembly Payments Items API** — The Items API from Assembly Payments — 9 operation(s) for items.
- **Assembly Payments Jobs API** — The Jobs API from Assembly Payments — 2 operation(s) for jobs.
- **Assembly Payments Marketplaces API** — The Marketplaces API from Assembly Payments — 1 operation(s) for marketplaces.
- **Assembly Payments Pay IDs API** — The PayIDs API from Assembly Payments — 3 operation(s) for payids.
- **Assembly Payments PayTo Agreements API** — Agreement Management APIs
- **Assembly Payments PayTo Payments API** — Payment Initiation APIs
- **Assembly Payments Requests API** — The Requests API from Assembly Payments — 2 operation(s) for requests.
- **Assembly Payments Status API** — The Status API from Assembly Payments — 1 operation(s) for status.
- **Assembly Payments Sub Wallets API** — The Sub-wallets API from Assembly Payments — 9 operation(s) for sub-wallets.
- **Assembly Payments Token Auth API** — The Token Auth API from Assembly Payments — 1 operation(s) for token auth.
- **Assembly Payments Tools API** — The Tools API from Assembly Payments — 1 operation(s) for tools.
- **Assembly Payments Transaction supplementary data API** — The Transaction supplementary data API from Assembly Payments — 1 operation(s) for transaction supplementary data.
- **Assembly Payments Transactions API** — The Transactions API from Assembly Payments — 7 operation(s) for transactions.
- **Assembly Payments Users API** — The Users API from Assembly Payments — 9 operation(s) for users.
- **Assembly Payments Virtual Accounts API** — The Virtual Accounts API from Assembly Payments — 5 operation(s) for virtual accounts.
- **Assembly Payments Wallet Accounts API** — The Wallet Accounts API from Assembly Payments — 7 operation(s) for wallet accounts.

## Agentic access (1)

- **Assembly Payments Agentic Access** — 141 operations · 60 acting

## Security (2)

- **Assembly Payments Authentication** — http/oauth2 · 3 schemes
- **Assembly Payments Domain Security** — TLSv1.2 · HSTS · DMARC

## Plans (1)

- **Assembly Payments Plans Pricing**

## Tags

Company, Payments, Fintech, Marketplace, Digital Wallet, Payouts, Australia, PayTo

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