# Bayapay Sdn Bhd

**Canonical:** https://apis.io/providers/bayapay-sdn-bhd/  
**Website:** https://bayapay.com  
**APIs profiled:** 0

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.

## Kin Score — 9.3 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.3).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 10.3 (agent-aware)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## MCP servers (1)

- **BayaPay Wix Site MCP**

## Security (1)

- **Bayapay Sdn Bhd Domain Security** — TLSv1.3 · HSTS

## Tags

Company, Payments, Fintech, Prepaid Cards, Expense Management, Fleet, Mastercard, Malaysia, APAC

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