# Coda Payments

**Canonical:** https://apis.io/providers/coda-payments/  
**Website:** https://www.coda.co/  
**APIs profiled:** 4

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.

## Kin Score — 57.1 / 100 (strong)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 57.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 42.7 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Payments**: 65.6 (matched via tags).

## Agent readiness — 25.9 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (4)

- **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...

## Security (4)

- **Coda Payments Authentication** — apiKey/http-bearer-jwt/hmac-signature · 9 schemes
- **Coda Payments Domain Security** — TLSv1.3 · DMARC
- **Coda Payments Vulnerability Disclosure** — contact published
- **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...

## Tags

Company, Payments, Merchant of Record, Gaming, Digital Goods, Carrier Billing, E-Wallets, Payouts, Southeast Asia, Monetization

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