Bayapay Sdn Bhd

BayaPay Sdn Bhd is a Malaysian fintech (incorporated 2021, registration 202101021154 / 1421454-H, based in Subang Jaya, Selangor) building programmable, permission-based business and vehicle expense management on an open-loop prepaid Mastercard. Its flagship BayaFuel FuelFleet programme gives fleet operators, SMBs, corporate teams and gig workers real-time spend controls, customizable limits, fraud deterrence and digitized expense tracking across fuel, travel and operational spend. The reloadable prepaid card is issued under license from Instapay Technologies Sdn Bhd (a Bank Negara Malaysia e-money issuer and Mastercard Asia/Pacific licensee), and BayaPay is one of the first Full Functional Open-Loop payment solutions in the APAC region. A 500 Global portfolio company. The public site is Wix-powered and exposes an agent-accessible llms.txt and a hosted Wix Site MCP endpoint; no bespoke BayaPay developer/payments API is publicly documented at this time.

Bayapay Sdn Bhd is profiled on the APIs.io network. Tagged areas include Company, Payments, Fintech, Prepaid Cards, and Expense Management.

Bayapay Sdn Bhd’s developer surface includes support and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

10.0/100 minimal ▬ flat Agent 2/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Payments Fintech Prepaid Cards Expense Management Fleet Management Mastercard Malaysia Asia Pacific

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 10.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.0 / 9

Regulatory Posture 1.9 / 15

Agent readiness — 2/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments 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/.

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<a href="https://apis.io/providers/bayapay-sdn-bhd/"><img src="https://apis.io/badge/bayapay-sdn-bhd/card.svg" alt="Bayapay Sdn Bhd on APIs.io — Kin Score by API Evangelist"></a>

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 4.8 — up to +19.0 composite points
Access Clarity scores 21.1 — up to +15.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/bayapay-sdn-bhd/apis.yml: open an issue on github.com/api-evangelist/bayapay-sdn-bhd to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Southeast Asia and National Fintech Registers (Taiwan, UAE, Malaysia remittance, Indonesia SNAP)	undeclared	-	-	1
Malaysia SC Capital Markets Licensees (digital investment managers, ECF / P2P / DAX operators, custodians)	undeclared	-	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (platform)

Universal Commerce Protocol (UCP)

measured — observed by APIs.io (wix)

MCP Servers 1

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

BayaPay Wix Site MCP

Remote MCP server at www.bayapay.com over HTTP; 7 tools listed.

MCP SERVER

Security Posture 1

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

Bayapay Sdn Bhd Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

LinkedIn

Source (apis.yml)

aid: bayapay-sdn-bhd
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bayapay-sdn-bhd.png
name: Bayapay Sdn Bhd
description: BayaPay Sdn Bhd is a Malaysian fintech (incorporated 2021, registration 202101021154 / 1421454-H, based in Subang
  Jaya, Selangor) building programmable, permission-based business and vehicle expense management on an open-loop prepaid
  Mastercard. Its flagship BayaFuel FuelFleet programme gives fleet operators, SMBs, corporate teams and gig workers real-time
  spend controls, customizable limits, fraud deterrence and digitized expense tracking across fuel, travel and operational
  spend. The reloadable prepaid card is issued under license from Instapay Technologies Sdn Bhd (a Bank Negara Malaysia e-money
  issuer and Mastercard Asia/Pacific licensee), and BayaPay is one of the first Full Functional Open-Loop payment solutions
  in the APAC region. A 500 Global portfolio company. The public site is Wix-powered and exposes an agent-accessible llms.txt
  and a hosted Wix Site MCP endpoint; no bespoke BayaPay developer/payments API is publicly documented at this time.
url: https://raw.githubusercontent.com/api-evangelist/bayapay-sdn-bhd/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Payments
- Fintech
- Prepaid Cards
- Expense Management
- Fleet Management
- Mastercard
- Malaysia
- Asia Pacific
tags_raw:
- Company
- Payments
- Fintech
- Prepaid Cards
- Expense Management
- Fleet
- Mastercard
- Malaysia
- APAC
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/bayapay-sdn-bhd-domain-security.yml
- type: MCPServer
  name: BayaPay Wix Site MCP
  url: mcp/bayapay-sdn-bhd-mcp.yml
- type: LLMsTxt
  url: llms/bayapay-sdn-bhd-llms.txt
- type: Website
  url: https://bayapay.com
- type: Support
  url: https://www.bayapay.com/frequently-asked-questions
- type: TermsOfService
  url: https://www.bayapay.com/termsofuse
- type: PrivacyPolicy
  url: https://www.bayapay.com/privacypolicy
- type: LinkedIn
  url: https://www.linkedin.com/company/bayapay/
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Bayapay Sdn Bhd API — frequently asked questions

Does Bayapay Sdn Bhd have an MCP server?

Yes. APIs.io lists 1 MCP server for Bayapay Sdn Bhd: Remote MCP server at www.bayapay.com over HTTP; 7 tools listed.

Is the Bayapay Sdn Bhd API ready for AI agents?

Bayapay Sdn Bhd has a Kin Score of 10.0 out of 100 (minimal) and an Agent Readiness score of 2.2 (human-only), scored by API Evangelist on 2026-11-06.

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get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
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