Bitpagos

Bitpagos is a payment gateway based in Buenos Aires, Argentina, focused on merchants in Latin America. It processes credit cards and Bitcoin, aiming to reduce international transaction fees for small and medium businesses. Founded as Ripio, the company rebranded to Bitpagos and offers APIs for payment processing, refunds, and transaction reporting, targeting fintech integrations across the region.

Bitpagos publishes 8 APIs on the APIs.io network, including Bitpagos API, Customers API, Offramp API, and 5 more. Tagged areas include Payments, Fintech, Latin America, Bitcoin, and Credit Cards.

The Bitpagos catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Bitpagos’ developer surface includes sandbox, authentication, support, engineering blog, documentation, API reference, and 18 more developer resources.

🌐 Visit website 📡 Source on GitHub

33.9/100 thin Agent 27/100 agent aware Full breakdown ↓
scored 2026-10-04 · rubric v0.23.0

8 APIs

Payments Fintech Latin America Bitcoin Credit Cards

Kin Score

Kin Score How this is scored →
scored 2026-10-04 · rubric v0.23.0

Composite quality — 33.9/100 · thin

Contract Quality 6.3 / 19

Developer Ergonomics 7.5 / 15

Access Clarity 1.6 / 15

Operational Transparency 2.8 / 10

Contract Governance 2.0 / 9

Discoverability 5.9 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 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 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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/bitpagos: 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 8

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

Bitpagos API

Payment processing API for merchants, supporting credit cards and Bitcoin.

Bitpagos Bitpagos API

The Bitpagos API API from Bitpagos — 1 operation(s) for bitpagos api.

Bitpagos Customers API

The Customers API from Bitpagos — 10 operation(s) for customers.

Bitpagos Offramp API

The Offramp API from Bitpagos — 1 operation(s) for offramp.

Bitpagos Quotes API

The Quotes API from Bitpagos — 1 operation(s) for quotes.

Bitpagos Rates API

The Rates API from Bitpagos — 1 operation(s) for rates.

Bitpagos Resources API

The Resources API from Bitpagos — 1 operation(s) for resources.

Bitpagos Trade API

The Trade API from Bitpagos — 1 operation(s) for trade.

Scroll for all 8

Event Specifications 1

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

Bitpagos Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Bitpagos Context

19 classes · 36 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Bitpagos API Rules

10 rules · 8 errors 1 warnings 1 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

PostApiV1CustomersCustomeridKycOtpValidateResponse

4 properties

JSON SCHEMA

PostApiV1CustomersCustomeridKycStartResponse

4 properties

JSON SCHEMA

PostApiV1CustomersRequest

4 properties

JSON SCHEMA

PostApiV1CustomersResponse

5 properties

JSON SCHEMA

PostApiV1QuotesRequest

6 properties

JSON SCHEMA

PostApiV1QuotesResponse

10 properties

JSON SCHEMA

Security Posture 2

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

Bitpagos Authentication

4 schemes

SECURITY

Bitpagos Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

Webhooks

DataModel

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: bitpagos
name: Bitpagos
image: https://cdn.prod.website-files.com/5f17344acf2c6d3c3a1d6238/680a5d403b378088d8ccb8a3_Contenido_banner-marca_fb_1200x628_0525.png
description: Bitpagos is a payment gateway based in Buenos Aires, Argentina, focused on merchants in Latin America. It processes
  credit cards and Bitcoin, aiming to reduce international transaction fees for small and medium businesses. Founded as Ripio,
  the company rebranded to Bitpagos and offers APIs for payment processing, refunds, and transaction reporting, targeting
  fintech integrations across the region.
url: https://raw.githubusercontent.com/api-evangelist/bitpagos/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-09-28 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-09-28'
modified: '2026-09-28'
x-docs-platform: mintlify
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Payments
- Fintech
- Latin America
- Bitcoin
- Credit Cards
tags_raw:
- Payments
- Fintech
- Latin America
- Bitcoin
- CreditCards
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: SecurityTxt
  url: well-known/bitpagos-status-security.txt
- type: Spectral
  url: rules/bitpagos-rules.yml
- type: JSONLD
  url: json-ld/bitpagos-context.jsonld
- type: Vocabulary
  url: vocabulary/bitpagos-vocabulary.yml
- type: Webhooks
  url: asyncapi/bitpagos-webhooks.yml
- type: DataModel
  url: data-model/bitpagos-data-model.yml
- type: Sandbox
  url: sandbox/bitpagos-sandbox.yml
- type: Authentication
  url: authentication/bitpagos-authentication.yml
- type: Conformance
  url: conformance/bitpagos-conformance.yml
- type: LLMsTxt
  url: llms/bitpagos-llms.txt
- type: WellKnown
  url: well-known/bitpagos-well-known.yml
- type: Hosts
  url: hosts/bitpagos-hosts.yml
- type: Vendors
  url: vendors/bitpagos-vendors.yml
- type: SDKs
  url: packages/bitpagos-packages.yml
- type: Packages
  url: packages/bitpagos-packages.yml
- type: TermsOfService
  url: http://terms.ripio.com/
- type: Support
  url: https://help.ripio.com/
- type: StatusPage
  url: https://status.ripio.com/
- type: Blog
  url: https://launchpad.ripio.com/blog
- type: Documentation
  url: https://apidocs.ripio.com/
- type: APIReference
  url: https://docs.ripio.com/llms.txt
- type: GitHubOrganization
  url: https://github.com/ripio
- type: DomainSecurity
  url: security/bitpagos-domain-security.yml
- type: Website
  url: https://www.ripio.com
apis:
- name: Bitpagos API
  description: Payment processing API for merchants, supporting credit cards and Bitcoin.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  aid: bitpagos:bitpagos-api-2
- aid: bitpagos:bitpagos-bitpagos-api-api
  name: Bitpagos Bitpagos API
  description: The Bitpagos API API from Bitpagos — 1 operation(s) for bitpagos api.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  tags:
  - Bitpagos API
  properties:
  - type: OpenAPI
    url: openapi/bitpagos-bitpagos-api-api-openapi.yml
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-otp-validate-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-start-response-schema.json
- aid: bitpagos:bitpagos-customers-api
  name: Bitpagos Customers API
  description: The Customers API from Bitpagos — 10 operation(s) for customers.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/bitpagos-customers-api-openapi.yml
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-otp-validate-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-start-response-schema.json
- aid: bitpagos:bitpagos-offramp-api
  name: Bitpagos Offramp API
  description: The Offramp API from Bitpagos — 1 operation(s) for offramp.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  tags:
  - Off-Ramp
  tags_raw:
  - Offramp
  properties:
  - type: OpenAPI
    url: openapi/bitpagos-offramp-api-openapi.yml
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-otp-validate-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-start-response-schema.json
- aid: bitpagos:bitpagos-quotes-api
  name: Bitpagos Quotes API
  description: The Quotes API from Bitpagos — 1 operation(s) for quotes.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/bitpagos-quotes-api-openapi.yml
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-otp-validate-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-start-response-schema.json
- aid: bitpagos:bitpagos-rates-api
  name: Bitpagos Rates API
  description: The Rates API from Bitpagos — 1 operation(s) for rates.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  tags:
  - Rates
  properties:
  - type: OpenAPI
    url: openapi/bitpagos-rates-api-openapi.yml
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-otp-validate-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-start-response-schema.json
- aid: bitpagos:bitpagos-resources-api
  name: Bitpagos Resources API
  description: The Resources API from Bitpagos — 1 operation(s) for resources.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  tags:
  - Resources
  properties:
  - type: OpenAPI
    url: openapi/bitpagos-resources-api-openapi.yml
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-otp-validate-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-start-response-schema.json
- aid: bitpagos:bitpagos-trade-api
  name: Bitpagos Trade API
  description: The Trade API from Bitpagos — 1 operation(s) for trade.
  humanURL: https://docs.ripio.com/crypto-as-a-service/overview/introduction
  baseURL: https://b2b-api.ripio.com/
  tags:
  - Trade
  properties:
  - type: OpenAPI
    url: openapi/bitpagos-trade-api-openapi.yml
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-quotes-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-request-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-otp-validate-response-schema.json
  - type: JSONSchema
    url: json-schema/bitpagos-post-api-v1-customers-customerid-kyc-start-response-schema.json
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: The provider's documentation links to OpenAPI specs hosted on docs.ripio.com, which belong to Ripio, not Bitpagos.
  evidence:
  - url: https://docs.ripio.com/crypto-as-a-service/openapi.json
    status: 200
  checked: '2026-09-28'
x-enrichment:
  date: '2026-09-28'
  status: enriched
  artifacts_added: 25
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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