# Earnipay

**Canonical:** https://apis.io/providers/earnipay/  
**Website:** https://earnipay.com/  
**APIs profiled:** 13

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.

## Kin Score — 26.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 26.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 49.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 26.6 (matched via tags).

## Agent readiness — 33.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| 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 (13)

- **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

## MCP servers (1)

- **Earnipay MCP Server**

## Agentic access (1)

- **Earnipay Agentic Access** — 69 operations · 50 acting · 50 human-in-the-loop

## Security (2)

- **Earnipay Authentication** — apiKey/http · 2 schemes
- **Earnipay Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, E-Invoicing, Invoicing, FIRS, NRS, Tax, Compliance, Fintech, Nigeria, Payments, Financial-Services

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