# Butterpayments

**Canonical:** https://apis.io/providers/butterpayments/  
**Website:** https://butterpayments.com  
**APIs profiled:** 1

Butter Payments is a payment recovery and involuntary-churn platform that uses machine learning to recover revenue from failed subscription payments. Its Recover product ingests real-time transaction and payment-method events, optimizes retry timing, and reports outcomes back to merchants via HMAC-SHA256 signed webhooks; Dispute (powered by Verifi) intercepts chargebacks and runs Rapid Dispute Resolution; PaymentScore identifies recoverable failed payments; and a PCI DSS Level 2 Card Vault secures card data behind a secure-iframe element. Butter integrates turnkey with Stripe Billing, Braintree, and Recharge, or directly through the Recover Enterprise API.

## Kin Score — 46.8 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 46.8).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 51.6 (matched via tags).

## Agent readiness — 29.1 (agent-aware)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **Recover Enterprise API** — Source-agnostic payment-event ingestion API for payment recovery. Merchants POST standardized successful and failed payment events and payment-method updates; Recover optimizes ...

## MCP servers (1)

- **Butterpayments MCP Server**

## Security (3)

- **Butterpayments Authentication** — apiKey/http/hmac · 5 schemes
- **Butterpayments Domain Security** — TLSv1.2 · DNSSEC · DMARC
- **Butterpayments Trust Center** — SOC 2 Type 2, HIPAA, PCI DSS Level 2

## Tags

Company, Payments, Payment Recovery, Subscription, Dunning, Involuntary Churn, Dispute Prevention, Chargebacks, Card Vault, Fintech, Machine-Learning

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