Azupay

Azupay is an Australian real-time payments company that moves money over the New Payments Platform (NPP), the account-to-account rails operated by Australian Payments Plus. It is API-first: merchants and platforms embed Azupay to receive payments via PayID (AzupayId), send outbound payments to a PayID or BSB/account number (AzupayOut), and collect recurring or on-demand debits through PayTo mandates and payment agreements (AzupayTo). Azupay also offers Confirmation of Payee (CoP) account checks and PayID enquiry to reduce misdirected-payment and fraud risk, batch/file (ABA and SFTP) processing for bulk payouts and collections, reporting, balance management, sub-client and API-key management, and hosted UX apps (Pay by Bank, Disbursements, Subscriptions). Its public developer portal documents a REST API at api.azupay.com.au/v1 with a UAT environment, authenticated by API key (secret and distributable keys in the Authorization header) with OAuth 2.0 client-credentials available as an additional server-to-server option, plus webhooks for asynchronous payment status. Home market is Australia; the surface is genuinely self-serve and documented, though production access and some capabilities (sub-clients, OAuth2) are enabled per client by Azupay.

Azupay publishes 6 APIs on the APIs.io network, including PaymentRequest API (AzupayId), Payment API (AzupayOut), PaymentAgreement & Initiation API (AzupayTo / PayTo), and 3 more. Tagged areas include Payments, Australia, Real-Time Payments, Account-to-Account, and New Payments Platform.

The Azupay catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Azupay’s developer surface includes authentication, documentation, API reference, getting-started guide, signup flow, changelog, pricing, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub

55.1/100 developing ▬ flat Agent 54/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

6 APIs 1 MCP Servers

PaymentsAustraliaReal-Time PaymentsAccount-to-AccountNew Payments PlatformPayIDPayToMoney TransferConfirmation of PayeeOpen Banking

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 55.1/100 · developing

Contract Quality 14.8 / 21

Developer Ergonomics 10.6 / 17

Commercial Clarity 7.6 / 17

Operational Transparency 5.2 / 11

Governance 1.2 / 10

Discoverability 6.9 / 9

Regulatory Posture 8.7 / 15

Agent readiness — 54/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/azupay: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Azupay Scopes

1 scope

1 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Azupay Agentic Access

37 operations · 25 acting · 1 human-in-the-loop

37 operations · 25 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

LLMsTxt

MCPServer

AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Webhooks

Conventions

Idempotency

Lifecycle

ErrorCatalog

Conformance

DataModel

Components

Webhooks

Scroll for all 9

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 5

Status, limits, changes, and where to get help

ChangeLog

HelpCenter

StatusPage

Deprecation

ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: azupay
url: https://raw.githubusercontent.com/api-evangelist/azupay/refs/heads/main/apis.yml
name: Azupay
kind: company
description: 'Azupay is an Australian real-time payments company that moves money over the New Payments Platform (NPP), the
  account-to-account rails operated by Australian Payments Plus. It is API-first: merchants and platforms embed Azupay to
  receive payments via PayID (AzupayId), send outbound payments to a PayID or BSB/account number (AzupayOut), and collect
  recurring or on-demand debits through PayTo mandates and payment agreements (AzupayTo). Azupay also offers Confirmation
  of Payee (CoP) account checks and PayID enquiry to reduce misdirected-payment and fraud risk, batch/file (ABA and SFTP)
  processing for bulk payouts and collections, reporting, balance management, sub-client and API-key management, and hosted
  UX apps (Pay by Bank, Disbursements, Subscriptions). Its public developer portal documents a REST API at api.azupay.com.au/v1
  with a UAT environment, authenticated by API key (secret and distributable keys in the Authorization header) with OAuth
  2.0 client-credentials available as an additional server-to-server option, plus webhooks for asynchronous payment status.
  Home market is Australia; the surface is genuinely self-serve and documented, though production access and some capabilities
  (sub-clients, OAuth2) are enabled per client by Azupay.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Real-Time Payments
- Account-to-Account
- New Payments Platform
- PayID
- PayTo
- Money Transfer
- Confirmation of Payee
- Open Banking
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: azupay:azupay-payment-request-api
  name: Azupay PaymentRequest API (AzupayId)
  description: Receive real-time account-to-account payments from customers by creating PayID-addressed payment requests.
    Create, retrieve, search, delete, and refund PaymentRequests; poll payment status to confirm the customer has paid. Supports
    dynamic and static PayIDs. Part of Azupay's AzupayId receive product.
  humanURL: https://developer.azupay.com.au/docs/receiving-payments
  baseURL: https://api.azupay.com.au/v1
  tags:
  - Payments
  - PayID
  - Receive Payments
  - Real-Time Payments
  properties:
  - type: OpenAPI
    url: openapi/azupay-payment-request.yml
  - type: Documentation
    url: https://developer.azupay.com.au/docs/receiving-payments
  - type: APIReference
    url: https://developer.azupay.com.au/reference/createpayidpaymentrequest
  - type: Overlay
    url: overlays/azupay-payment-request-overlay.yaml
- aid: azupay:azupay-payment-api
  name: Azupay Payment API (AzupayOut)
  description: Send outbound NPP payments to a PayID or to a BSB and account number, then poll for settlement status. Search
    prior payments. Part of Azupay's AzupayOut disbursement/payout product for real-time money movement.
  humanURL: https://developer.azupay.com.au/docs/making-payments
  baseURL: https://api.azupay.com.au/v1
  tags:
  - Payments
  - Payouts
  - Disbursements
  - Account-to-Account
  properties:
  - type: OpenAPI
    url: openapi/azupay-payment.yml
  - type: Documentation
    url: https://developer.azupay.com.au/docs/making-payments
  - type: APIReference
    url: https://developer.azupay.com.au/reference/makepayment
  - type: Overlay
    url: overlays/azupay-payment-overlay.yaml
- aid: azupay:azupay-payment-agreement-api
  name: Azupay PaymentAgreement & Initiation API (AzupayTo / PayTo)
  description: Establish and manage PayTo payment agreements and initiate eligible debits against them. Create, amend, change
    status, and search agreements; create payment agreement requests; schedule payments; initiate, refund, search, and retrieve
    payment initiations. Azupay's AzupayTo mandated-debit product built on NPP PayTo.
  humanURL: https://developer.azupay.com.au/docs/payto-integration-guide
  baseURL: https://api.azupay.com.au/v1
  tags:
  - Payments
  - PayTo
  - Recurring Payments
  - Mandates
  - Direct Debit
  properties:
  - type: OpenAPI
    url: openapi/azupay-payment-agreement.yml
  - type: Documentation
    url: https://developer.azupay.com.au/docs/payto-integration-guide
  - type: APIReference
    url: https://developer.azupay.com.au/reference/createpaymentagreement
  - type: Overlay
    url: overlays/azupay-payment-agreement-overlay.yaml
- aid: azupay:azupay-check-accounts-api
  name: Azupay Account Check API (Confirmation of Payee)
  description: Reduce misdirected-payment and fraud risk with real-time account checks. Confirm a payee's BSB/account number
    and name via Confirmation of Payee (CoP), check whether an account issuer can receive NPP or AzupayTo payments by BSB,
    and verify PayID registration and reachability.
  humanURL: https://developer.azupay.com.au/docs/account-check-cop
  baseURL: https://api.azupay.com.au/v1
  tags:
  - Payments
  - Confirmation of Payee
  - Fraud
  - Account Verification
  properties:
  - type: OpenAPI
    url: openapi/azupay-check-accounts.yml
  - type: Documentation
    url: https://developer.azupay.com.au/docs/account-check-cop
  - type: APIReference
    url: https://developer.azupay.com.au/reference/checkaccountdetails
  - type: Overlay
    url: overlays/azupay-check-accounts-overlay.yaml
- aid: azupay:azupay-reports-api
  name: Azupay Report & Balance API
  description: Retrieve daily transaction reports by month or date range, obtain time-limited download links for reports,
    and check the current balance of an Azupay client account.
  humanURL: https://developer.azupay.com.au/docs/report-api
  baseURL: https://api.azupay.com.au/v1
  tags:
  - Payments
  - Reporting
  - Reconciliation
  - Balance
  properties:
  - type: OpenAPI
    url: openapi/azupay-reports.yml
  - type: Documentation
    url: https://developer.azupay.com.au/docs/report-api
  - type: APIReference
    url: https://developer.azupay.com.au/reference/getreport
  - type: Overlay
    url: overlays/azupay-reports-overlay.yaml
- aid: azupay:azupay-configuration-api
  name: Azupay Clients & API Key Management API
  description: Manage the platform configuration for an Azupay integration. Create, replace, and disable sub-clients; provision,
    retrieve, and update API keys for sub merchants; enable and read OAuth 2.0 configuration; and manage low-balance alert
    thresholds and recipients. Several operations are enabled per client by Azupay.
  humanURL: https://developer.azupay.com.au/docs/clients-api
  baseURL: https://api.azupay.com.au/v1
  tags:
  - Payments
  - Client Management
  - API Keys
  - OAuth2
  properties:
  - type: OpenAPI
    url: openapi/azupay-configuration.yml
  - type: Documentation
    url: https://developer.azupay.com.au/docs/clients-api
  - type: APIReference
    url: https://developer.azupay.com.au/reference/createclient
  - type: Overlay
    url: overlays/azupay-configuration-overlay.yaml
common:
- type: DomainSecurity
  url: security/azupay-domain-security.yml
- type: AgenticAccess
  url: agentic-access/azupay-agentic-access.yml
- type: Authentication
  url: authentication/azupay-authentication.yml
- type: Website
  url: https://azupay.com.au/
- type: DeveloperPortal
  url: https://developer.azupay.com.au/
- type: Documentation
  url: https://developer.azupay.com.au/docs/getting-started-1
- type: APIReference
  url: https://developer.azupay.com.au/reference/createpayidpaymentrequest
- type: GettingStarted
  url: https://developer.azupay.com.au/docs/getting-started-1
- type: SignUp
  url: https://developer.azupay.com.au/docs/signing-up
- type: ChangeLog
  url: https://developer.azupay.com.au/changelog
- type: Webhooks
  url: https://developer.azupay.com.au/docs/webhooks
- type: HelpCenter
  url: https://helpcentre.azupay.com.au/
- type: StatusPage
  url: https://status.azupay.com.au/
- type: Pricing
  url: https://azupay.com.au/pricing
- type: Blog
  url: https://azupay.com.au/blog
- type: TermsOfService
  url: https://azupay.com.au/terms/
- type: PrivacyPolicy
  url: https://azupay.com.au/privacy-policy/
- type: Login
  url: https://dashboard.azupay.com.au/
- type: OAuthScopes
  url: scopes/azupay-scopes.yml
- type: Conventions
  url: conventions/azupay-conventions.yml
- type: Idempotency
  url: conventions/azupay-conventions.yml
- type: Lifecycle
  url: lifecycle/azupay-lifecycle.yml
- type: Deprecation
  url: https://developer.azupay.com.au/docs/getting-started-1
- type: ErrorCatalog
  url: errors/azupay-problem-types.yml
- type: Conformance
  url: conformance/azupay-conformance.yml
- type: DataModel
  url: data-model/azupay-data-model.yml
- type: Sandbox
  url: sandbox/azupay-sandbox.yml
- type: ChangeLog
  url: changelog/azupay-changelog.yml
- type: Components
  url: components/azupay-components.yml
- type: Webhooks
  url: asyncapi/azupay-webhooks.yml
- type: LLMsTxt
  url: llms/azupay-llms.txt
- type: MCPServer
  url: mcp/azupay-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Azupay

Kin Score

APIs 6

Azupay PaymentRequest API (AzupayId)

Azupay Payment API (AzupayOut)

Azupay PaymentAgreement & Initiation API (AzupayTo / PayTo)

Azupay Account Check API (Confirmation of Payee)

Azupay Report & Balance API

Azupay Clients & API Key Management API

Open Collections 6

Azupay Check Accounts API

Azupay Configuration API

Azupay Payment Agreement API

Azupay Payment Request API

Azupay Payment API

Azupay Reports & Balance API