Earnipay

Earnipay is a Nigerian fintech that operates an NRS/FIRS-compliant e-invoicing platform for businesses. As an accredited Nigeria Revenue Service (NRS) and NITDA systems integrator, Earnipay lets developers programmatically create businesses, manage customers and products, generate FIRS-compliant invoices with IRN (Invoice Reference Number) and QR codes, and submit them to the tax authority through an Access Point Provider (APP) connection. The public Earnipay Invoicing API is an OpenAPI 3.0.0 REST service covering authentication, businesses, customers, products, payment details, invoices, IRN and QR generation, bank lookup/verification, and team management. It authenticates with JWT bearer tokens for user-facing flows and an X-API-Key header for third-party integrations. Added to the API Evangelist network as a portfolio company of Canaan Partners.

Earnipay publishes 13 API contracts indexed on the APIs.io network, including App API, APP Provider API, Authentication API, and 10 more. Tagged areas include Company, E-Invoicing, Invoicing, FIRS, and NRS.

The Earnipay catalog on APIs.io includes 1 Spectral governance ruleset.

Earnipay’s developer surface includes engineering blog, authentication, documentation, API reference, getting-started guide, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

24.2/100 emerging ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company E-Invoicing InvoicingFIRSNRSTax Compliance Fintech Nigeria Payments Financial Services

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Tax Management

BC-220

APP Provider

POST /v1/api/v1/businesses/{businessId}/app/invoices/{invoiceId}/submit PATCH /v1/api/v1/businesses/{businessId}/app/invoices/{invoiceId}/payment-status

Financial Management

BC-200

Invoices

POST /v1/invoices GET /v1/invoices GET /v1/invoices/{id} GET /v1/invoices/{id}/pdf

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 24.2/100 · emerging

Contract Quality 8.3 / 19

Developer Ergonomics 3.5 / 15

Access Clarity 0.0 / 15

Operational Transparency 0.3 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 2.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 0.0 — up to +20.0 composite points
Developer Ergonomics scores 23.2 — up to +15.4 composite points
Contract Quality scores 44.3 — up to +13.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/earnipay/apis.yml: open an issue on github.com/api-evangelist/earnipay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 13

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

Earnipay App API

The App API from Earnipay — 1 operation(s) for app.

Earnipay APP Provider API

Third-party APP provider integration (Taxly) for FIRS submission

Earnipay Authentication API

User authentication and authorization endpoints

Earnipay Bank API

The Bank API from Earnipay — 2 operation(s) for bank.

Earnipay Business API

Business profile management and FIRS configuration

Earnipay Customers API

Customer management for invoicing

Earnipay Invoices API

Invoice creation, management, and FIRS validation

Earnipay IRN Generator API

Generate FIRS-compliant Invoice Reference Numbers

Earnipay Payment Details API

The Payment Details API from Earnipay — 2 operation(s) for payment details.

Earnipay Products API

The Products API from Earnipay — 2 operation(s) for products.

Earnipay QR Code Generator API

Generate FIRS-compliant encrypted QR codes for invoices

Earnipay Team API

Team member and invitation management

Earnipay Users API

User profile management

Scroll for all 13

Open Collections 13

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Earnipay Invoicing App API

OPEN COLLECTION

Earnipay Invoicing App APP Provider API

OPEN COLLECTION

Earnipay Invoicing App Authentication API

OPEN COLLECTION

Earnipay Invoicing App Bank API

OPEN COLLECTION

Earnipay Invoicing App Business API

OPEN COLLECTION

Earnipay Invoicing App Customers API

OPEN COLLECTION

Earnipay Invoicing App Invoices API

OPEN COLLECTION

Earnipay Invoicing App IRN Generator API

OPEN COLLECTION

Earnipay Invoicing App Payment Details API

OPEN COLLECTION

Earnipay Invoicing App Products API

OPEN COLLECTION

Earnipay Invoicing App QR Code Generator API

OPEN COLLECTION

Earnipay Invoicing App Team API

OPEN COLLECTION

Earnipay Invoicing App Users API

OPEN COLLECTION

Scroll for all 13

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Create and submit a FIRS-compliant invoice

AGENT SKILL

Onboard a business for FIRS e-invoicing

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Earnipay API Rules

55 rules · 46 errors 4 warnings 5 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.

Earnipay E Invoicing Overlay

2 actions · update · earnipay-e-invoicing-openapi-original.json

DERIVED

Security Posture 2

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

Earnipay Authentication

apiKey/http · 2 schemes

SECURITY

Earnipay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Earnipay Agentic Access

69 operations · 50 acting · 50 human-in-the-loop

69 operations · 50 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Lifecycle

Conformance

DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: earnipay
name: Earnipay
description: Earnipay is a Nigerian fintech that operates an NRS/FIRS-compliant e-invoicing platform for businesses. As an
  accredited Nigeria Revenue Service (NRS) and NITDA systems integrator, Earnipay lets developers programmatically create
  businesses, manage customers and products, generate FIRS-compliant invoices with IRN (Invoice Reference Number) and QR codes,
  and submit them to the tax authority through an Access Point Provider (APP) connection. The public Earnipay Invoicing API
  is an OpenAPI 3.0.0 REST service covering authentication, businesses, customers, products, payment details, invoices, IRN
  and QR generation, bank lookup/verification, and team management. It authenticates with JWT bearer tokens for user-facing
  flows and an X-API-Key header for third-party integrations. Added to the API Evangelist network as a portfolio company of
  Canaan Partners.
url: https://raw.githubusercontent.com/api-evangelist/earnipay/refs/heads/main/apis.yml
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  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
  generated: '2026-11-06'
  method: derived
image: https://earnipay-api-storage-prod.s3.eu-west-1.amazonaws.com/business-documents/business-img-others.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- canaan-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Company
- E-Invoicing
- Invoicing
- FIRS
- NRS
- Tax
- Compliance
- Fintech
- Nigeria
- Payments
- Financial Services
tags_raw:
- Company
- E-Invoicing
- Invoicing
- FIRS
- NRS
- Tax
- Compliance
- Fintech
- Nigeria
- Payments
- Financial Services
- Financial-Services
apis:
- aid: earnipay:earnipay-app-api
  name: Earnipay App API
  description: The App API from Earnipay — 1 operation(s) for app.
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - App
  properties:
  - type: OpenAPI
    url: openapi/earnipay-app-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-app-provider-api
  name: Earnipay APP Provider API
  description: Third-party APP provider integration (Taxly) for FIRS submission
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - APP Provider
  properties:
  - type: OpenAPI
    url: openapi/earnipay-app-provider-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-authentication-api
  name: Earnipay Authentication API
  description: User authentication and authorization endpoints
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/earnipay-authentication-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-bank-api
  name: Earnipay Bank API
  description: The Bank API from Earnipay — 2 operation(s) for bank.
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Bank
  properties:
  - type: OpenAPI
    url: openapi/earnipay-bank-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-business-api
  name: Earnipay Business API
  description: Business profile management and FIRS configuration
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Business
  properties:
  - type: OpenAPI
    url: openapi/earnipay-business-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-customers-api
  name: Earnipay Customers API
  description: Customer management for invoicing
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/earnipay-customers-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-invoices-api
  name: Earnipay Invoices API
  description: Invoice creation, management, and FIRS validation
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/earnipay-invoices-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-irn-generator-api
  name: Earnipay IRN Generator API
  description: Generate FIRS-compliant Invoice Reference Numbers
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - IRN Generator
  properties:
  - type: OpenAPI
    url: openapi/earnipay-irn-generator-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-payment-details-api
  name: Earnipay Payment Details API
  description: The Payment Details API from Earnipay — 2 operation(s) for payment details.
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Payment Details
  properties:
  - type: OpenAPI
    url: openapi/earnipay-payment-details-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-products-api
  name: Earnipay Products API
  description: The Products API from Earnipay — 2 operation(s) for products.
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/earnipay-products-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-qr-code-generator-api
  name: Earnipay QR Code Generator API
  description: Generate FIRS-compliant encrypted QR codes for invoices
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - QR Code Generator
  properties:
  - type: OpenAPI
    url: openapi/earnipay-qr-code-generator-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-team-api
  name: Earnipay Team API
  description: Team member and invitation management
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - Team
  properties:
  - type: OpenAPI
    url: openapi/earnipay-team-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
- aid: earnipay:earnipay-users-api
  name: Earnipay Users API
  description: User profile management
  humanURL: https://docs.earnipay.com/docs/e-invoice
  baseURL: https://e-invoicing.earnipay.com/v1
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/earnipay-users-api-openapi.yml
  - type: Documentation
    url: https://docs.earnipay.com/docs/e-invoice
  - type: APIReference
    url: https://e-invoicing.earnipay.com/api/docs
common:
- url: https://www.earnipay.com/blog/
  type: Blog
- type: CapabilityMap
  url: capabilities/earnipay-capability-edges.yml
  name: Earnipay Business Capability Map
- type: AgenticAccess
  url: agentic-access/earnipay-agentic-access.yml
- type: DomainSecurity
  url: security/earnipay-domain-security.yml
- type: Authentication
  url: authentication/earnipay-authentication.yml
- type: X-MCPServerCandidate
  url: mcp/earnipay-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: ErrorCatalog
  url: errors/earnipay-problem-types.yml
- type: Conventions
  url: conventions/earnipay-conventions.yml
- type: Lifecycle
  url: lifecycle/earnipay-lifecycle.yml
- type: Conformance
  url: conformance/earnipay-conformance.yml
- type: DataModel
  url: data-model/earnipay-data-model.yml
- type: Overlay
  url: overlays/earnipay-e-invoicing-overlay.yaml
- type: LLMsTxt
  url: llms/earnipay-llms.txt
- type: DeveloperPortal
  url: https://docs.earnipay.com/
- type: Documentation
  url: https://docs.earnipay.com/docs/e-invoice
- type: APIReference
  url: https://e-invoicing.earnipay.com/api/docs
- type: GettingStarted
  url: https://docs.earnipay.com/docs/e-invoice
- type: GitHubOrganization
  url: https://github.com/Earnipay
- type: Website
  url: https://earnipay.com/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Earnipay API — frequently asked questions

Does Earnipay have an API?

Yes. APIs.io lists 13 APIs from Earnipay, including Earnipay App API, Earnipay APP Provider API and Earnipay Authentication API, and 10 more.

Is there an OpenAPI specification for the Earnipay API?

Yes. APIs.io indexes 13 OpenAPI specifications for Earnipay, each linked for download from this page.

How do I authenticate with the Earnipay API?

Earnipay uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Earnipay Authentication.

Is the Earnipay API ready for AI agents?

Earnipay has a Kin Score of 24.2 out of 100 (emerging) and an Agent Readiness score of 27.3 (agent-aware), scored by API Evangelist on 2026-11-06.

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