EdfaPay

EdfaPay is a Saudi fintech and payment-technology company offering a developer-friendly payment platform across the GCC region. Its products include a hosted Checkout and Server-to-Server (S2S) payment gateway, SoftPOS tap-to-pay technology that turns mobile devices into card readers, merchant onboarding, payouts, e-invoicing, and white-label solutions for banks and partners. The gateway supports Visa, Mastercard, MADA, Apple Pay and STC Pay with 3D Secure, webhooks, refunds and recurring payments, on PCI-DSS certified infrastructure. EdfaPay was added to the API Evangelist network as a portfolio company of 500 Global and enriched from its public developer documentation, OpenAPI definitions and SDKs.

EdfaPay publishes 7 API contracts indexed on the APIs.io network, including EdfaPay, Inc. Branch Management API, EdfaPay, Inc. Merchant Management API, EdfaPay, Inc. Partner Management API, and 4 more. Tagged areas include Company, Payments, Payment Gateway, Fintech, and SoftPOS.

The EdfaPay catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

EdfaPay’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

52.7/100 developing ▬ flat Agent 29/100 agent ready Front door AI 2/6 trace Heartbeat 29/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 published contracts 3 Agent Skills

Company Payments Payment Gateway Fintech SoftPOS Apple Pay Saudi Arabia Merchant Onboarding MENA

What this lets a business do 1

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

Cybersecurity Management

BC-620

Role Management

PUT /api/v1/roles/role/{roleId} POST /api/v1/roles/role

Kin Score

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

Composite quality — 52.7/100 · developing

Contract Quality 11.0 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 6.5 / 15

Operational Transparency 1.0 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 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 6 / 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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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

7 more unmet checks in the Agent Readiness table above.

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

Operational Transparency scores 10.5 — up to +11.6 composite points
Access Clarity scores 43.4 — up to +11.3 composite points
Contract Quality scores 58.6 — up to +10.4 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/edfapay-inc/apis.yml: open an issue on github.com/api-evangelist/edfapay-inc 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
Gulf and Southeast Asia Open Finance	distribution	19.2 (thin)	-	1
EMV Card Terminals (card acceptance hardware and kernels)	distribution	19.2 (thin)	-	1
Official SDKs on Packagist, pub.dev and Hex	distribution	19.2 (thin)	-	1

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 7

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

EdfaPay, Inc. Branch Management API

Branch Management APIs

EdfaPay, Inc. Merchant Management API

Merchant Management APIs

EdfaPay, Inc. Partner Management API

Partner Management APIs

EdfaPay, Inc. Payment API

The Payment API from EdfaPay, Inc. — 1 operation(s) for payment.

EdfaPay, Inc. Role Management API

Role Management APIs

EdfaPay, Inc. Transaction Management API

Transaction Management APIs

EdfaPay, Inc. User Management API

User Management APIs

Scroll for all 7

Open Collections 7

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

Edfapay Payment Gateway Branch Management API

OPEN COLLECTION

Edfapay Payment Gateway Branch Management Merchant Management API

OPEN COLLECTION

Edfapay Payment Gateway Branch Management Partner Management API

OPEN COLLECTION

Edfapay Gateway Branch Management Payment API

OPEN COLLECTION

Edfapay Payment Gateway Branch Management Role Management API

OPEN COLLECTION

Edfapay Payment Gateway Branch Management Transaction Management API

OPEN COLLECTION

Edfapay Payment Gateway Branch Management User Management API

OPEN COLLECTION

Scroll for all 7

Agent Skills 3

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

Accept an EdfaPay payment

AGENT SKILL

Onboard an EdfaPay merchant

AGENT SKILL

Reconcile EdfaPay transactions

AGENT SKILL

Event Specifications 1

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

Edfapay Inc Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

EdfaPay API Rules

57 rules · 48 errors 7 warnings 2 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.

Edfapay Inc Revamp Overlay

4 actions · update · edfapay-inc-revamp.json

GENERATED

Security Posture 3

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

Edfapay Inc Authentication

apiKey/signature · 2 schemes

SECURITY

Edfapay Inc Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Edfapay Inc Trust Center

PCI DSS

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 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

Lifecycle

Components

DataModel

Webhooks

ErrorCatalog

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Postman

SDKs

Packages

DeclineCodes

Access & Security 4

Authentication, authorization, and security posture

Authentication

Compliance

TrustCenter

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

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 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: edfapay-inc
name: EdfaPay
description: EdfaPay is a Saudi fintech and payment-technology company offering a developer-friendly payment platform across
  the GCC region. Its products include a hosted Checkout and Server-to-Server (S2S) payment gateway, SoftPOS tap-to-pay technology
  that turns mobile devices into card readers, merchant onboarding, payouts, e-invoicing, and white-label solutions for banks
  and partners. The gateway supports Visa, Mastercard, MADA, Apple Pay and STC Pay with 3D Secure, webhooks, refunds and recurring
  payments, on PCI-DSS certified infrastructure. EdfaPay was added to the API Evangelist network as a portfolio company of
  500 Global and enriched from its public developer documentation, OpenAPI definitions and SDKs.
url: https://raw.githubusercontent.com/api-evangelist/edfapay-inc/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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: '2026-11-06'
  method: derived
image: https://files.readme.io/89700fae642aef272b5162ed82daf2f2ececcb418693c2307830e1a0e3f7fa2e-EdfaPay-Logo.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Payments
- Payment Gateway
- Fintech
- SoftPOS
- Apple Pay
- Saudi Arabia
- Merchant Onboarding
- MENA
apis:
- aid: edfapay-inc:edfapay-inc-branch-management-api
  name: EdfaPay, Inc. Branch Management API
  description: Branch Management APIs
  humanURL: https://docs.edfapay.com/v2.0/reference/overview
  baseURL: https://revamp-api.edfapay.com
  tags:
  - Branch Management
  properties:
  - type: OpenAPI
    url: openapi/edfapay-inc-branch-management-api-openapi.yml
- aid: edfapay-inc:edfapay-inc-merchant-management-api
  name: EdfaPay, Inc. Merchant Management API
  description: Merchant Management APIs
  humanURL: https://docs.edfapay.com/v2.0/reference/overview
  baseURL: https://revamp-api.edfapay.com
  tags:
  - Merchant Management
  properties:
  - type: OpenAPI
    url: openapi/edfapay-inc-merchant-management-api-openapi.yml
- aid: edfapay-inc:edfapay-inc-partner-management-api
  name: EdfaPay, Inc. Partner Management API
  description: Partner Management APIs
  humanURL: https://docs.edfapay.com/v2.0/reference/overview
  baseURL: https://revamp-api.edfapay.com
  tags:
  - Partner Management
  properties:
  - type: OpenAPI
    url: openapi/edfapay-inc-partner-management-api-openapi.yml
- aid: edfapay-inc:edfapay-inc-payment-api
  name: EdfaPay, Inc. Payment API
  description: The Payment API from EdfaPay, Inc. — 1 operation(s) for payment.
  humanURL: https://docs.edfapay.com/v2.0/reference/overview
  baseURL: https://revamp-api.edfapay.com
  tags:
  - Payments
  tags_raw:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/edfapay-inc-payment-api-openapi.yml
- aid: edfapay-inc:edfapay-inc-role-management-api
  name: EdfaPay, Inc. Role Management API
  description: Role Management APIs
  humanURL: https://docs.edfapay.com/v2.0/reference/overview
  baseURL: https://revamp-api.edfapay.com
  tags:
  - Role Management
  properties:
  - type: OpenAPI
    url: openapi/edfapay-inc-role-management-api-openapi.yml
- aid: edfapay-inc:edfapay-inc-transaction-management-api
  name: EdfaPay, Inc. Transaction Management API
  description: Transaction Management APIs
  humanURL: https://docs.edfapay.com/v2.0/reference/overview
  baseURL: https://revamp-api.edfapay.com
  tags:
  - Transaction Management
  properties:
  - type: OpenAPI
    url: openapi/edfapay-inc-transaction-management-api-openapi.yml
- aid: edfapay-inc:edfapay-inc-user-management-api
  name: EdfaPay, Inc. User Management API
  description: User Management APIs
  humanURL: https://docs.edfapay.com/v2.0/reference/overview
  baseURL: https://revamp-api.edfapay.com
  tags:
  - User Management
  properties:
  - type: OpenAPI
    url: openapi/edfapay-inc-user-management-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/edfapay-inc-capability-edges.yml
  name: EdfaPay Business Capability Map
- type: Overlay
  url: overlays/edfapay-inc-revamp-overlay.yaml
- type: Website
  url: https://edfapay.com
- type: DeveloperPortal
  url: https://edfapay.com/developers/
- type: Documentation
  url: https://docs.edfapay.com
- type: APIReference
  url: https://docs.edfapay.com/v2.0/reference/overview
- type: GettingStarted
  url: https://docs.edfapay.com/docs/getting-started
- type: Support
  url: https://edfapay.com/new-technical/
- type: Blog
  url: https://edfapay.com/our-blog/
- type: SignUp
  url: https://app.edfapay.com/sign-up/
- type: Login
  url: https://app.edfapay.com/
- type: TermsOfService
  url: https://edfapay.com/terms_conditions/
- type: PrivacyPolicy
  url: https://edfapay.com/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/edfapay
- type: Postman
  url: https://documenter.getpostman.com/view/21813149/2s9Y5SX6Xs
- type: SDKs
  url: packages/edfapay-inc-packages.yml
- type: Packages
  url: packages/edfapay-inc-packages.yml
- type: LLMsTxt
  url: llms/edfapay-inc-llms.txt
- type: X-MCPServerCandidate
  url: mcp/edfapay-inc-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: Authentication
  url: authentication/edfapay-inc-authentication.yml
- type: Conventions
  url: conventions/edfapay-inc-conventions.yml
- type: Conformance
  url: conformance/edfapay-inc-conformance.yml
- type: Compliance
  url: conformance/edfapay-inc-conformance.yml
- type: TrustCenter
  url: security/edfapay-inc-trust-center.yml
- type: DomainSecurity
  url: security/edfapay-inc-domain-security.yml
- type: Lifecycle
  url: lifecycle/edfapay-inc-lifecycle.yml
- type: Sandbox
  url: sandbox/edfapay-inc-sandbox.yml
- type: Components
  url: components/edfapay-inc-components.yml
- type: DataModel
  url: data-model/edfapay-inc-data-model.yml
- type: Webhooks
  url: asyncapi/edfapay-inc-webhooks.yml
- type: ErrorCatalog
  url: errors/edfapay-inc-problem-types.yml
- type: DeclineCodes
  url: errors/edfapay-inc-decline-codes.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence
x-legal-name: EdfaPay, Inc.

EdfaPay API — frequently asked questions

Does EdfaPay have an API?

Yes. APIs.io lists 7 APIs from EdfaPay, including EdfaPay, Inc. Branch Management API, EdfaPay, Inc. Merchant Management API and EdfaPay, Inc. Partner Management API, and 4 more.

Is there an OpenAPI specification for the EdfaPay API?

Yes. APIs.io indexes 7 OpenAPI specifications for EdfaPay, each linked for download from this page.

How do I authenticate with the EdfaPay API?

EdfaPay uses bearer-token authentication (apiKey/signature · 2 schemes). The details are profiled on APIs.io as Edfapay Inc Authentication.

Is the EdfaPay API ready for AI agents?

EdfaPay has a Kin Score of 52.7 out of 100 (developing) and an Agent Readiness score of 29.4 (agent-ready), scored by API Evangelist on 2026-11-06.

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