Coda Payments

Coda Payments (trading as Coda, coda.co) is a Singapore-headquartered global Merchant of Record and monetization platform for digital content publishers, game studios and app developers. Its Codapay API lets partners accept 300+ local and global payment methods — cards, e-wallets, direct carrier billing, bank transfer, over-the-counter and vouchers — across 65+ countries and 60 currencies through a single integration, with Coda taking on Merchant of Record responsibility for tax, regulatory compliance, fraud and chargebacks. The developer surface spans the Codapay Hosted Payment Page API (v1.0/v2.0), a Direct Card API for server-to-server card charges with 3DS, hosted client-side components (CodaCard and CodaComponent JS SDKs), a Unity in-app payments SDK, a Refund API, a Payout API for cross-border disbursement, and the Codashop / Coda Webstore fulfillment APIs (validation, top-up, user sync) that publishers implement so Coda can deliver purchased items into their games.

Coda Payments publishes 4 APIs on the APIs.io network. Tagged areas include Company, Payments, Merchant of Record, Gaming, and Digital Goods.

The Coda Payments catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Coda Payments’ developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, changelog, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.8/100 strong ▬ flat Agent 26/100 agent aware saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

4 APIs

Company Payments Merchant of Record Gaming Digital Goods Carrier BillingE-WalletsPayouts Southeast Asia Monetization

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 56.8/100 · strong

Contract Quality 8.8 / 21

Developer Ergonomics 12.1 / 17

Access Clarity 8.5 / 17

Operational Transparency 5.8 / 11

Contract Governance 1.9 / 10

Discoverability 6.9 / 9

Regulatory Posture 9.8 / 15

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 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 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

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/coda-payments: 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 4

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

Codapay Hosted Payment Page API

Initiate a payment request, redirect the shopper to Coda's hosted payment page, receive the transaction completion notification, and check transaction status. Available as v1.0 ...

Codapay Direct Card API

Server-to-server card acquiring: submit a charge, retrieve charge data, calculate tax, handle 3DS, and create refunds. Authenticated with an Authorization header, X-Api-Key and ...

Coda Payout API

Cross-border payout API for disbursing funds to beneficiaries in local currency across markets including Brazil, Colombia, Egypt, India, Indonesia, Mexico, Morocco, Nigeria, Pak...

Codashop and Coda Webstore Fulfillment API

The publisher-implemented JSON-RPC fulfillment contract Coda calls to deliver purchases made on Codashop and Coda-powered web stores: a Validation API request (verify the player...

Event Specifications 1

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

Coda Payments Webhooks

ASYNCAPI

Security Posture 4

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

Coda Payments Authentication

apiKey/http-bearer-jwt/hmac-signature · 9 schemes

SECURITY

Coda Payments Domain Security

TLSv1.3 · DMARC

SECURITY

Coda Payments Vulnerability Disclosure

contact published

SECURITY

Coda Payments Trust Center

PCI DSS Level 1 (claimed on www.coda.co/security; the docs compliance page states SAQ A-EP self-assessment and no independent PCI certification — see conformance/coda-payments-c...

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

Components

DataModel

Webhooks

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

DeclineCodes

Packages

SDKs

Access & Security 6

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Authentication

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

TrustCenter

TrustCenter

Operate 4

Status, limits, changes, and where to get help

Support

ChangeLog

StatusPage

ChangeLog

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

Source (apis.yml)

aid: coda-payments
name: Coda Payments
description: Coda Payments (trading as Coda, coda.co) is a Singapore-headquartered global Merchant of Record and monetization
  platform for digital content publishers, game studios and app developers. Its Codapay API lets partners accept 300+ local
  and global payment methods — cards, e-wallets, direct carrier billing, bank transfer, over-the-counter and vouchers — across
  65+ countries and 60 currencies through a single integration, with Coda taking on Merchant of Record responsibility for
  tax, regulatory compliance, fraud and chargebacks. The developer surface spans the Codapay Hosted Payment Page API (v1.0/v2.0),
  a Direct Card API for server-to-server card charges with 3DS, hosted client-side components (CodaCard and CodaComponent
  JS SDKs), a Unity in-app payments SDK, a Refund API, a Payout API for cross-border disbursement, and the Codashop / Coda
  Webstore fulfillment APIs (validation, top-up, user sync) that publishers implement so Coda can deliver purchased items
  into their games.
url: https://raw.githubusercontent.com/api-evangelist/coda-payments/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment-pipeline
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:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-08-02'
modified: '2026-08-04'
image: https://www.coda.co/wp-content/uploads/2024/11/Landscape.jpg
tags:
- Company
- Payments
- Merchant of Record
- Gaming
- Digital Goods
- Carrier Billing
- E-Wallets
- Payouts
- Southeast Asia
- Monetization
apis:
- aid: coda-payments:codapay-hosted-payment-page
  name: Codapay Hosted Payment Page API
  description: Initiate a payment request, redirect the shopper to Coda's hosted payment page, receive the transaction completion
    notification, and check transaction status. Available as v1.0 (API key per title/country) and v2.0 (global API key plus
    projectId, adds saved-card support). JSON over HTTPS, POST {base}/init.json and inquiry endpoints.
  humanURL: https://docs.coda.co/codapay/hosted-payment-page-integration.md
  baseURL: https://airtime.codapayments.com/airtime/api/restful/v2.0/Payment
  tags:
  - Payments
  - Checkout
  - Hosted Payment Page
  properties:
  - type: Documentation
    url: https://docs.coda.co/codapay/hosted-payment-page-integration.md
  - type: GettingStarted
    url: https://docs.coda.co/codapay/getting-started.md
  - type: Sandbox
    url: https://sandbox.codapayments.com/airtime/api/restful/v2.0/Payment
- aid: coda-payments:codapay-direct-card-api
  name: Codapay Direct Card API
  description: 'Server-to-server card acquiring: submit a charge, retrieve charge data, calculate tax, handle 3DS, and create
    refunds. Authenticated with an Authorization header, X-Api-Key and Partner ID over TLS 1.2+.'
  humanURL: https://docs.coda.co/codapay/direct-api-integration.md
  baseURL: https://api-tc.codapayments.com/v1/
  tags:
  - Payments
  - Cards
  - 3DS
  - Refunds
  properties:
  - type: Documentation
    url: https://docs.coda.co/codapay/direct-api-integration/direct-api-integration-for-cards.md
  - type: Sandbox
    url: https://tc-api-card-sandbox.codapayments.com/v1/
- aid: coda-payments:coda-payout-api
  name: Coda Payout API
  description: Cross-border payout API for disbursing funds to beneficiaries in local currency across markets including Brazil,
    Colombia, Egypt, India, Indonesia, Mexico, Morocco, Nigeria, Pakistan, Saudi Arabia and Turkey. POST /payouts, check payout
    status, check available balance, and receive payout notifications. Authenticated with X-API-Key, a JWT bearer token and
    an x-signature integrity checksum.
  humanURL: https://docs.coda.co/payout/overview.md
  baseURL: https://payout.codapayments.com
  tags:
  - Payouts
  - Disbursement
  - Cross-Border
  properties:
  - type: Documentation
    url: https://docs.coda.co/payout/integration-guides/api-reference.md
  - type: APIReference
    url: https://docs.coda.co/payout/integration-guides/api-reference/initiate-a-payout-request.md
  - type: Sandbox
    url: https://payout.codapayments-staging.com/
- aid: coda-payments:codashop-fulfillment-api
  name: Codashop and Coda Webstore Fulfillment API
  description: 'The publisher-implemented JSON-RPC fulfillment contract Coda calls to deliver purchases made on Codashop and
    Coda-powered web stores: a Validation API request (verify the player/user id), a Top-Up API request (deliver the SKU),
    a UserSync API request, and an optional Fetch Server List request. Requests carry an HMAC-SHA256 signature computed over
    an ordered field concatenation with a shared secret key.'
  humanURL: https://docs.coda.co/codashop-and-distribution/integration-guides.md
  baseURL: https://docs.coda.co/codashop-and-distribution/integration-guides.md
  tags:
  - Fulfillment
  - JSON-RPC
  - Gaming
  properties:
  - type: Documentation
    url: https://docs.coda.co/codashop-and-distribution/integration-guides.md
  - type: Authentication
    url: https://docs.coda.co/codashop-and-distribution/integration-guides/authorization.md
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/coda-payments-domain-security.yml
- type: Website
  url: https://www.coda.co/
- type: DeveloperPortal
  url: https://docs.coda.co/
- type: Documentation
  url: https://docs.coda.co/explore-our-products-and-services.md
- type: APIReference
  url: https://docs.coda.co/codapay/references.md
- type: GettingStarted
  url: https://docs.coda.co/codapay/getting-started.md
- type: Support
  url: https://docs.coda.co/references/contact-us.md
- type: Blog
  url: https://www.coda.co/blog/
- type: GitHubOrganization
  url: https://github.com/codapayments
- type: SignUp
  url: https://portal.coda.co/signup
- type: Login
  url: https://portal.coda.co/
- type: TermsOfService
  url: https://www.coda.co/terms-conditions/
- type: PrivacyPolicy
  url: https://www.coda.co/privacy-policy/
- type: Compliance
  url: https://www.coda.co/security/
- type: ChangeLog
  url: https://docs.coda.co/changelog/2024-codapay-changelog.md
- type: LLMsTxt
  url: llms/coda-payments-llms.txt
- type: Authentication
  url: authentication/coda-payments-authentication.yml
- type: Conventions
  url: conventions/coda-payments-conventions.yml
- type: Idempotency
  url: conventions/coda-payments-conventions.yml
- type: ErrorCatalog
  url: errors/coda-payments-error-codes.yml
- type: DeclineCodes
  url: errors/coda-payments-decline-codes.yml
- type: Lifecycle
  url: lifecycle/coda-payments-lifecycle.yml
- type: StatusPage
  url: https://docs.coda.co/codapay/integration-guides/payment-channel-info/payment-channel-update/channel-status.md
- type: ChangeLog
  url: changelog/coda-payments-changelog.yml
- type: Sandbox
  url: sandbox/coda-payments-sandbox.yml
- type: Conformance
  url: conformance/coda-payments-conformance.yml
- type: Packages
  url: packages/coda-payments-packages.yml
- type: SDKs
  url: packages/coda-payments-packages.yml
- type: Components
  url: components/coda-payments-components.yml
- type: DataModel
  url: data-model/coda-payments-data-model.yml
- type: Webhooks
  url: asyncapi/coda-payments-webhooks.yml
- type: VulnerabilityDisclosure
  url: security/coda-payments-vulnerability-disclosure.yml
- type: Security
  url: https://www.coda.co/policy/coda-payments-vulnerability-disclosure-policy
- type: TrustCenter
  url: security/coda-payments-trust-center.yml
x-enrichment:
  date: '2026-08-04'
  status: enriched
  artifacts_added: 17
  pass: local-v1

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