# Azupay

**Canonical:** https://apis.io/providers/azupay/  
**Website:** https://azupay.com.au/  
**APIs profiled:** 6

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.

## Kin Score — 55.1 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 55.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 69.7 |
| Governance | 11.5 |
| Operational Transparency | 47.4 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Banking & Open Finance**: 58.2 (matched via tags).

## Agent readiness — 54.3 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (6)

- **Azupay PaymentRequest API (AzupayId)** — Receive real-time account-to-account payments from customers by creating PayID-addressed payment requests. Create, retrieve, search, delete, and refund PaymentRequests; poll pay...
- **Azupay Payment API (AzupayOut)** — 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 prod...
- **Azupay PaymentAgreement & Initiation API (AzupayTo / PayTo)** — Establish and manage PayTo payment agreements and initiate eligible debits against them. Create, amend, change status, and search agreements; create payment agreement requests; ...
- **Azupay Account Check API (Confirmation of Payee)** — 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 ...
- **Azupay Report & Balance API** — 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.
- **Azupay Clients & API Key Management API** — 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 rea...

## MCP servers (1)

- **azupay-mcp.yml**

## Agentic access (1)

- **Azupay Agentic Access** — 37 operations · 25 acting · 1 human-in-the-loop

## Security (2)

- **Azupay Authentication** — apiKey/oauth2 · 3 schemes
- **Azupay Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Australia, Real-Time Payments, Account-to-Account, New Payments Platform, PayID, PayTo, Money Transfer, Confirmation of Payee, Open Banking

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