Banked

Banked is a global account-to-account (A2A) payments network built on open banking that enables real-time pay-by-bank payments for consumers, businesses, and banks. Its API-first platform provides hosted Checkout, Payment Links and QR codes, Payouts, Refunds, Reporting, loyalty (Incentivize), and fraud protection, using bank-native biometric authentication and Strong Customer Authentication (SCA) to move money securely with minimal chargebacks. A single Payments API and Partner API integration gives merchants and platforms access across multiple markets, and Banked ships an official hosted MCP server so agents can create, search, and refund payments over OAuth 2.0.

Banked publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, Open Banking, Account-to-Account, and Pay by Bank.

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

Banked’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, authentication, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub

38.9/100 thin ▬ flat Agent 28/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs 1 MCP Servers

Company Payments Open Banking Account-to-Account Pay by Bank Fintech Payment Processing Payouts

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 38.9/100 · thin

Contract Quality 8.8 / 21

Developer Ergonomics 7.7 / 17

Access Clarity 2.9 / 17

Operational Transparency 4.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 5.1 / 15

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/banked: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

Banked Payments API

Account-to-account payments over open banking — create payment sessions (checkout), payouts, refunds, and webhooks. The Partner API onboards businesses on behalf of platforms. O...

MCP Servers 1

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

Banked MCP Server

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Banked Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Banked Authentication

oauth2 · 1 scheme

SECURITY

Banked Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Banked Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

MCPServer

MCPServer

LLMsTxt

LLMsTxt

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

Lifecycle

Webhooks

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Postman

Packages

SDKs

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

DomainSecurity

SecurityTxt

Authentication

Operate 3

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Deprecation

Deprecation

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: banked
name: Banked
description: Banked is a global account-to-account (A2A) payments network built on open banking that enables real-time pay-by-bank
  payments for consumers, businesses, and banks. Its API-first platform provides hosted Checkout, Payment Links and QR codes,
  Payouts, Refunds, Reporting, loyalty (Incentivize), and fraud protection, using bank-native biometric authentication and
  Strong Customer Authentication (SCA) to move money securely with minimal chargebacks. A single Payments API and Partner
  API integration gives merchants and platforms access across multiple markets, and Banked ships an official hosted MCP server
  so agents can create, search, and refund payments over OAuth 2.0.
url: https://raw.githubusercontent.com/api-evangelist/banked/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - url: https://banked.com/
    status: 301
    note: declared website redirects to https://paybyb.com/ — a different registrable domain (banked.com -> paybyb.com), possible
      rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://images.prismic.io/banked/dc1e104e-b397-4f26-ba16-0b64aee7daea_page-og-2.png?auto=compress,format&w=1200&h=627
tags:
- Company
- Payments
- Open Banking
- Account-to-Account
- Pay by Bank
- Fintech
- Payment Processing
- Payouts
apis:
- name: Banked Payments API
  description: Account-to-account payments over open banking — create payment sessions (checkout), payouts, refunds, and webhooks.
    The Partner API onboards businesses on behalf of platforms. OAuth 2.0 client-credentials auth against api.banked.com.
  humanURL: https://developer.banked.com/reference
  baseURL: https://api.banked.com
  properties:
  - type: Documentation
    url: https://developer.banked.com/
  - type: APIReference
    url: https://developer.banked.com/reference
  - type: Authentication
    url: authentication/banked-authentication.yml
  - type: MCPServer
    url: mcp/banked-mcp.yml
  - type: Webhooks
    url: asyncapi/banked-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/banked-vulnerability-disclosure.yml
- type: Security
  url: security/banked-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/banked-domain-security.yml
- type: Website
  url: https://banked.com/
- type: DeveloperPortal
  url: https://developer.banked.com/
- type: Documentation
  url: https://developer.banked.com/
- type: APIReference
  url: https://developer.banked.com/reference
- type: GettingStarted
  url: https://developer.banked.com/docs
- type: Support
  url: https://support.paybybank.com
- type: Login
  url: https://console.banked.com/
- type: Blog
  url: https://medium.com/@banked
- type: PrivacyPolicy
  url: https://banked.com/privacy
- type: GitHubOrganization
  url: https://github.com/banked
- type: Postman
  url: https://github.com/banked/postman-collections-public
- type: StatusPage
  url: https://status.banked.com/
- type: Packages
  url: packages/banked-packages.yml
- type: SDKs
  url: packages/banked-packages.yml
- type: WellKnown
  url: well-known/banked-well-known.yml
- type: SecurityTxt
  url: well-known/banked-security.txt
- type: MCPServer
  url: mcp/banked-mcp.yml
- type: LLMsTxt
  url: llms/banked-llms.txt
- type: Authentication
  url: authentication/banked-authentication.yml
- type: Conventions
  url: conventions/banked-conventions.yml
- type: Conformance
  url: conformance/banked-conformance.yml
- type: Lifecycle
  url: lifecycle/banked-lifecycle.yml
- type: Deprecation
  url: lifecycle/banked-lifecycle.yml
- type: Webhooks
  url: asyncapi/banked-webhooks.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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