# Bancomat

**Canonical:** https://apis.io/providers/bancomat/  
**Website:** https://bancomat.it/en  
**APIs profiled:** 1

BANCOMAT S.p.A. is Italy's leading payment network operator managing the PagoBancomat debit card scheme, ATM network, and BANCOMAT Pay mobile payment service. Launched in 1983 for ATM withdrawals and expanded in 1986 with PagoBancomat for PIN-based POS payments, the network underpins Italian electronic payment infrastructure. BANCOMAT Pay, introduced in 2019, enables mobile e-commerce and P2P payments linked to bank accounts via phone number and IBAN.

## Kin Score — 16.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 16.1).

| Facet | Score |
|---|---|
| Discoverability | 59.3 |
| Contract Quality | 11.3 |
| Governance | 45.5 |
| Contract Governance | 45.5 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 15.8 |
| Access Clarity | 15.8 |

Regulatory layer — **Payments**: 17.2 (matched via tags).

## Agent readiness — 3.0 (human-only)

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

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: medium).

## APIs (1)

- **BANCOMAT Pay** — BANCOMAT Pay is a mobile payment service enabling Italian consumers to make e-commerce purchases and P2P transfers through a smartphone app linked to their bank account by phone...

## Security (1)

- **Bancomat Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Bancomat Plans Pricing**

## Use cases (5)

- **ATM Cash Withdrawals** — Debit card ATM withdrawals across Italy's national banking network.
- **POS Debit Payments** — PIN-based debit card payments at retail point-of-sale terminals.
- **E-Commerce Payments** — Online checkout integration via BANCOMAT Pay mobile app.
- **P2P Money Transfer** — Person-to-person payments between bank accounts via mobile app.
- **Merchant Acceptance** — Enable BANCOMAT Pay as a local Italian payment method for online stores.

## Tags

ATM, Banking, Financial-Services, Italy, Mobile Payments, Payments, Debit Cards

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