Centrapay

Centrapay is a payments network that connects existing commerce systems (point-of-sale terminals and checkouts) to digital wallets, tokens and low-cost alternative payments. Its API-first infrastructure lets merchants accept Payap, bank transfers via Open Banking and QR-code rails, brand loyalty points and digital gift cards, bypassing traditional card-network fees. Developers integrate through the Centrapay REST API documented at docs.centrapay.com.

Centrapay publishes 1 API contract indexed on the APIs.io network: Payment Requests API. Tagged areas include Company, Payments, Digital Wallets, Open Banking, and QR Code Payments.

The Centrapay catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

Centrapay’s developer surface includes sandbox, authentication, documentation, API reference, getting-started guide, support, engineering blog, and 28 more developer resources.

🌐 Visit website 📡 Source on GitHub

53.5/100 developing Agent 38/100 agent ready Full breakdown ↓
scored 2026-10-09 · rubric v0.23.0

1 published contract

Company PaymentsDigital WalletsOpen Banking QR Code Payments Loyalty Gift Cards Fintech

Kin Score

Kin Score How this is scored →
scored 2026-10-09 · rubric v0.23.0

Composite quality — 53.5/100 · developing

Contract Quality 11.0 / 21

Developer Ergonomics 10.8 / 17

Access Clarity 5.8 / 17

Operational Transparency 2.9 / 11

Contract Governance 7.8 / 10

Discoverability 5.6 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 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/.

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/centrapay: 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.

Centrapay Payment Requests API

The payment-requests API from Centrapay — 16 operation(s) for payment-requests.

Pricing Plans 1

Published pricing tiers and plan structures.

Centrapay Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Centrapay Rate Limits

1 limits

RATE LIMITS

Semantic Vocabularies 1

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

Centrapay Context

1 classes · 1 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

Centrapay API Rules

0 rules ·

SPECTRAL

Centrapay API Rules

11 rules · 9 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Centrapay Openapi Overlay

18 actions · security · centrapay-openapi.yml

GENERATED

Security Posture 2

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

Centrapay Authentication

apiKey/openIdConnect · 2 schemes

SECURITY

Centrapay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Centrapay Scopes

4 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Centrapay Agentic Access

16 operations · 8 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

GettingStarted

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

AgentSkill

AgentSkill

Design & Contract 12

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

JSONLD

Vocabulary

DataModel

Components

Idempotency

Conventions

Lifecycle

ErrorCatalog

Conformance

SpectralRules

Scroll for all 12

Build 4

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

SDKs

SDKs

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

OAuthScopes

OAuthScopes

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

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

Blog

Blog

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: centrapay
name: Centrapay
description: Centrapay is a payments network that connects existing commerce systems (point-of-sale terminals and checkouts)
  to digital wallets, tokens and low-cost alternative payments. Its API-first infrastructure lets merchants accept Payap,
  bank transfers via Open Banking and QR-code rails, brand loyalty points and digital gift cards, bypassing traditional card-network
  fees. Developers integrate through the Centrapay REST API documented at docs.centrapay.com.
url: https://raw.githubusercontent.com/api-evangelist/centrapay/refs/heads/main/apis.yml
x-type: company
x-source: harvest:spectral-ruleset-github
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-09 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-09'
modified: '2026-10-09'
tags:
- Company
- Payments
- Digital Wallets
- Open Banking
- QR Code Payments
- Loyalty
- Gift Cards
- Fintech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
image: https://framerusercontent.com/images/KVxxaI7Lvpyui2d4eS31RH11vZQ.png
common:
- type: AgenticAccess
  url: agentic-access/centrapay-agentic-access.yml
- type: RateLimits
  url: rate-limits/centrapay-rate-limits.yml
- type: Spectral
  url: rules/centrapay-rules.yml
- type: Spectral
  url: rules/centrapay-centrapay-docs-spectral-rules.yml
- type: JSONLD
  url: json-ld/centrapay-context.jsonld
- type: Vocabulary
  url: vocabulary/centrapay-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/centrapay-data-model.yml
- type: Components
  url: components/centrapay-components.yml
- type: Idempotency
  url: conventions/centrapay-conventions.yml
- type: Conventions
  url: conventions/centrapay-conventions.yml
- type: Sandbox
  url: sandbox/centrapay-sandbox.yml
- type: OAuthScopes
  url: scopes/centrapay-scopes.yml
- type: Lifecycle
  url: lifecycle/centrapay-lifecycle.yml
- type: DeclineCodes
  url: errors/centrapay-decline-codes.yml
- type: ErrorCatalog
  url: errors/centrapay-problem-types.yml
- type: Conformance
  url: conformance/centrapay-conformance.yml
- type: Overlay
  url: overlays/centrapay-openapi-overlay.yaml
- type: Hosts
  url: hosts/centrapay-hosts.yml
- type: Vendors
  url: vendors/centrapay-vendors.yml
- type: SDKs
  url: packages/centrapay-packages.yml
- type: Packages
  url: packages/centrapay-packages.yml
- type: Authentication
  url: authentication/centrapay-authentication.yml
- type: DomainSecurity
  url: security/centrapay-domain-security.yml
- type: Website
  url: https://www.centrapay.com/
- type: SpectralRules
  url: https://github.com/centrapay/centrapay-docs/blob/636b5947eae1c8b9a6ce2f827bb32daba981b1b3/.spectral.yaml
- type: Documentation
  url: https://docs.centrapay.com/
- type: APIReference
  url: https://docs.centrapay.com/api/introduction/
- type: GettingStarted
  url: https://docs.centrapay.com/guides/getting-started/
- type: GitHubOrganization
  url: https://github.com/centrapay
- type: Support
  url: https://www.centrapay.com/contact
- type: Login
  url: https://app.centrapay.com/
- type: Blog
  url: https://www.centrapay.com/blog/nz-tech-expo
- type: TermsOfService
  url: https://www.centrapay.com/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.centrapay.com/legal/privacy-policy
apis:
- aid: centrapay:centrapay-payment-requests-api
  name: Centrapay Payment Requests API
  description: The payment-requests API from Centrapay — 16 operation(s) for payment-requests.
  humanURL: https://docs.centrapay.com/api/introduction/
  baseURL: https://service.centrapay.com
  tags:
  - payment-requests
  properties:
  - type: OpenAPI
    url: openapi/centrapay-payment-requests-api-openapi.yml
  - type: Documentation
    url: https://docs.centrapay.com/api/introduction/
x-enrichment:
  date: '2026-10-09'
  status: enriched
  artifacts_added: 64
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

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