Fat Zebra

aid: fat-zebra
url: https://raw.githubusercontent.com/api-evangelist/fat-zebra/refs/heads/main/apis.yml
name: Fat Zebra
kind: company
description: Fat Zebra is an Australian payments company (founded 2012, Sydney) providing a card-present and card-not-present
  payment gateway and processing platform for merchants, ISOs, and software platforms across Australia and New Zealand. Its
  API-first Gateway handles Visa, Mastercard, and Amex purchases, authorizations and captures, refunds and voids, card tokenization,
  3D Secure, recurring payment plans, direct debits and direct credits over local bank rails, chargeback handling, batch processing,
  and hosted payment pages (PayNow), alongside wallet acceptance for Apple Pay, Google Pay, and Click to Pay. A separate Partner
  API lets platforms and ISOs create and board their own sub-merchants onto acquirer connections programmatically. The developer
  surface is a genuine, well-documented ReadMe hub at docs.fatzebra.com with four downloadable OpenAPI definitions, and the
  runtime platform is branded pmnts (gateway.pmnts.io). Authentication is HTTP Basic using a username and API token.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Payment Gateway
- Payment Processing
- Acquiring
- Card Payments
- Tokenization
- Recurring Billing
- Direct Debit
- Hosted Payment Pages
- Merchant Onboarding
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: fat-zebra:fat-zebra-gateway-api
  name: Fat Zebra Gateway API
  description: The core Fat Zebra payments Gateway — 98 documented operations across 73 paths covering purchases, authorizations
    and captures, refunds and voids, card tokenization (credit_cards), customers and bank accounts, direct debits and direct
    credits, chargebacks, batches, recurring payment plans, surcharging, and webhook management. OpenAPI 3.1. Auth is HTTP
    Basic (username + API token).
  humanURL: https://docs.fatzebra.com/reference/purchases
  baseURL: https://gateway.pmnts.io/v1.0
  tags:
  - Payments
  - Gateway
  - Card Payments
  - Tokenization
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-gateway.json
  - type: Documentation
    url: https://docs.fatzebra.com/docs/purchases-overview
  - type: APIReference
    url: https://docs.fatzebra.com/reference/purchases
  - type: Overlay
    url: overlays/fat-zebra-gateway-overlay.yaml
  - type: Webhooks
    url: asyncapi/fat-zebra-webhooks.yml
- aid: fat-zebra:fat-zebra-partner-api
  name: Fat Zebra Partner API
  description: The Partner (v2) API for ISOs and software platforms to programmatically create and manage their own sub-merchants
    and acquirer connections — 30 operations across 22 paths covering partner self/identity, merchant create/board/lifecycle
    (activate, suspend, cancel), credential rotation, acquirer connection management, SSO enforcement, and dashboard users.
    OpenAPI 3.1. Auth is HTTP Basic (partner username + API token). Production, sandbox, and staging environments documented.
  humanURL: https://docs.fatzebra.com/docs/introduction
  baseURL: https://gateway.pmnts.io/v2/partners
  tags:
  - Merchant Onboarding
  - Partner
  - Acquiring
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-partner.json
  - type: Documentation
    url: https://docs.fatzebra.com/docs/introduction
  - type: APIReference
    url: https://docs.fatzebra.com/reference/showself
  - type: Overlay
    url: overlays/fat-zebra-partner-overlay.yaml
- aid: fat-zebra:fat-zebra-billing-api
  name: Fat Zebra Billing API
  description: An early usage-based Billing API (OpenAPI 3.0.3) exposing billing entities and a batch usage-record push for
    metered billing against customers. Documented server is the sandbox host billing.pmnts-sandbox.io. Auth is HTTP Basic.
  humanURL: https://docs.fatzebra.com/
  baseURL: https://billing.pmnts-sandbox.io/api/v1/
  tags:
  - Billing
  - Usage Based Billing
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-billing.json
  - type: Documentation
    url: https://docs.fatzebra.com/
  - type: Overlay
    url: overlays/fat-zebra-billing-overlay.yaml
- aid: fat-zebra:fat-zebra-fdms-tpp-merchant-onboarding-api
  name: Fat Zebra FDMS TPP Merchant Onboarding API
  description: A Third-Party Processor (TPP) merchant onboarding API for the FDMS acquiring integration (OpenAPI 3.0.3) —
    create and list merchants and an internal onboard operation. Documented server is the sandbox host acquiring-sandbox.fatzebra.com.au.
    Auth is HTTP Basic.
  humanURL: https://docs.fatzebra.com/
  baseURL: https://acquiring-sandbox.fatzebra.com.au/api/v1
  tags:
  - Merchant Onboarding
  - Acquiring
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-fdms-tpp-merchant-onboarding.json
  - type: Documentation
    url: https://docs.fatzebra.com/
  - type: Overlay
    url: overlays/fat-zebra-fdms-tpp-merchant-onboarding-overlay.yaml
common:
- type: TrustCenter
  url: security/fat-zebra-trust-center.yml
- type: DomainSecurity
  url: security/fat-zebra-domain-security.yml
- type: AgenticAccess
  url: agentic-access/fat-zebra-agentic-access.yml
- type: Authentication
  url: authentication/fat-zebra-authentication.yml
- type: Website
  url: https://www.fatzebra.com/
- type: DeveloperPortal
  url: https://docs.fatzebra.com/
- type: Documentation
  url: https://docs.fatzebra.com/docs/introduction
- type: APIReference
  url: https://docs.fatzebra.com/reference/purchases
- type: GettingStarted
  url: https://docs.fatzebra.com/docs/getting-started
- type: ChangeLog
  url: https://docs.fatzebra.com/changelog/welcome-to-pmnts
- type: GitHubOrganization
  url: https://github.com/fatzebra
- type: StatusPage
  url: https://status.fatzebra.com/
- type: Pricing
  url: https://www.fatzebra.com/platform/pricing
- type: Blog
  url: https://www.fatzebra.com/company/news
- type: Support
  url: https://www.fatzebra.com/contact/support
- type: Security
  url: https://www.fatzebra.com/security
- type: PrivacyPolicy
  url: https://www.fatzebra.com/privacy-policy
- type: Integrations
  url: https://www.fatzebra.com/platform/integrations
- type: Packages
  url: packages/fat-zebra-packages.yml
- type: SDKs
  url: packages/fat-zebra-packages.yml
- type: WellKnown
  url: well-known/fat-zebra-well-known.yml
- type: MCPServer
  url: mcp/fat-zebra-mcp.yml
- type: ToolCrosswalk
  url: mcp/fat-zebra-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/fat-zebra-llms.txt
- type: Conformance
  url: conformance/fat-zebra-conformance.yml
- type: Compliance
  url: https://docs.fatzebra.com/docs/pci-certification
- type: ErrorCatalog
  url: errors/fat-zebra-problem-types.yml
- type: DeclineCodes
  url: errors/fat-zebra-decline-codes.yml
- type: Lifecycle
  url: lifecycle/fat-zebra-lifecycle.yml
- type: Deprecation
  url: https://docs.fatzebra.com/changelog/welcome-to-pmnts
- type: Sandbox
  url: sandbox/fat-zebra-sandbox.yml
- type: Conventions
  url: conventions/fat-zebra-conventions.yml
- type: Idempotency
  url: conventions/fat-zebra-conventions.yml
- type: Components
  url: components/fat-zebra-components.yml
- type: DataModel
  url: data-model/fat-zebra-data-model.yml
- type: Webhooks
  url: asyncapi/fat-zebra-webhooks.yml
- type: AgentSkill
  url: skills/fat-zebra-accept-a-card-payment.md
  name: Accept a card payment
- type: AgentSkill
  url: skills/fat-zebra-authorize-and-capture.md
  name: Authorize then capture
- type: AgentSkill
  url: skills/fat-zebra-tokenize-and-charge.md
  name: Tokenize a card and charge it
- type: AgentSkill
  url: skills/fat-zebra-board-a-submerchant.md
  name: Board a sub-merchant
- type: ChangeLog
  url: changelog/fat-zebra-changelog.yml
  name: Fat Zebra changelog (structured)
- type: SignUp
  url: https://www.fatzebra.com/contact/sales
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com