Fat Zebra
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.
Fat Zebra publishes 31 API contracts indexed on the APIs.io network, including Acquirer connections API, Acquirers API, Applicable Surcharge API, and 28 more. Tagged areas include Payments, Australia, Payment Gateway, Payment Processing, and Acquiring.
The Fat Zebra catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.
Fat Zebra’s developer surface includes authentication, documentation, API reference, getting-started guide, changelog, pricing, engineering blog, and 41 more developer resources.
What this lets a business do 3
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
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 |
|---|---|---|---|---|
| Australia AFS, Credit and ADI Registers (ASIC + APRA licensing) | distribution | 19.2 (thin) | - | - |
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.
APIs 31
Individual APIs this provider publishes, each with its own machine-readable definition.
Fat Zebra Acquirer connections API
A merchant's connections to acquirers — board, list, update, enable/disable.
Fat Zebra Acquirers API
The acquirer catalogue this partner may board onto.
Fat Zebra Applicable Surcharge API
The Applicable Surcharge API from Fat Zebra — 1 operation(s) for applicable surcharge.
Fat Zebra Authenticate API
The Authenticate API from Fat Zebra — 3 operation(s) for authenticate.
Fat Zebra Bank Accounts API
The Bank Accounts API from Fat Zebra — 2 operation(s) for bank accounts.
Fat Zebra Batches API
The Batches API from Fat Zebra — 4 operation(s) for batches.
Fat Zebra Chargebacks API
The Chargebacks API from Fat Zebra — 4 operation(s) for chargebacks.
Fat Zebra Credit Cards API
The Credit Cards API from Fat Zebra — 3 operation(s) for credit cards.
Fat Zebra Customers API
The Customers API from Fat Zebra — 3 operation(s) for customers.
Fat Zebra Direct Credits API
The Direct Credits API from Fat Zebra — 3 operation(s) for direct credits.
Fat Zebra Direct Debits API
The Direct Debits API from Fat Zebra — 3 operation(s) for direct debits.
Fat Zebra Disputes API
The Disputes API from Fat Zebra — 1 operation(s) for disputes.
Fat Zebra Fat Zebra Billing API
The Fat Zebra Billing API from Fat Zebra — 1 operation(s) for fat zebra billing.
Fat Zebra Health API
The Health API from Fat Zebra — 2 operation(s) for health.
Fat Zebra Invoice Imports API
The Invoice Imports API from Fat Zebra — 1 operation(s) for invoice imports.
Fat Zebra Invoices API
The Invoices API from Fat Zebra — 2 operation(s) for invoices.
Fat Zebra Merchants API
The Merchants API from Fat Zebra — 7 operation(s) for merchants.
Fat Zebra Oauth Clients API
The Oauth Clients API from Fat Zebra — 1 operation(s) for oauth clients.
Fat Zebra Partner API
The authenticated partner (self).
Fat Zebra Payment Plans API
The Payment Plans API from Fat Zebra — 2 operation(s) for payment plans.
Fat Zebra Purchases API
The Purchases API from Fat Zebra — 11 operation(s) for purchases.
Fat Zebra Refunds API
The Refunds API from Fat Zebra — 3 operation(s) for refunds.
Fat Zebra Reports API
The Reports API from Fat Zebra — 2 operation(s) for reports.
Fat Zebra Settlement API
The Settlement API from Fat Zebra — 1 operation(s) for settlement.
Fat Zebra SSO API
Partner SSO enforcement — read state, enforce, disable.
Fat Zebra Transactions API
The Transactions API from Fat Zebra — 2 operation(s) for transactions.
Fat Zebra Users API
Partner dashboard users — CRUD plus deactivate/reactivate.
Fat Zebra Utilities API
The Utilities API from Fat Zebra — 3 operation(s) for utilities.
Fat Zebra Utlities API
The Utlities API from Fat Zebra — 1 operation(s) for utlities.
Fat Zebra Pay Pal API
The Pay Pal API from Fat Zebra — 15 operation(s) for pay pal.
Fat Zebra Webhooks API
The Webhooks API from Fat Zebra — 2 operation(s) for webhooks.
Scroll for all 31
Open Collections 4
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Fat Zebra Billing
OPEN COLLECTIONFDMS TPP Merchant Onboarding
OPEN COLLECTIONgateway
OPEN COLLECTIONFat Zebra Partner API
OPEN COLLECTIONAgent Skills 4
Packaged agent skills for driving this provider's APIs from an AI assistant.
Accept a card payment
AGENT SKILLAuthorize then capture
AGENT SKILLBoard a sub-merchant (Partner API)
AGENT SKILLTokenize a card and charge it
AGENT SKILLFat Zebra API pricing
Prices published by Fat Zebra, read 2026-10-28 from www.fatzebra.com/platform/pricing.
| Plan | Price |
|---|---|
| Gateway Only | Starting from $250.00 per month + $0.30 per transaction. Includes: Use Fat Zebra’s gateway with your existing acquiring relationship. |
| All-in-One Processing | Talk to Sales Includes: Complete acquiring solution; pricing tailored to business model, transaction profile, and annual pro |
| 3D Secure 2.0 – Setup | $395.00 |
| 3D Secure 2.0 – Per Transaction (ex. Blended Pricing Plans) | $0.10 |
| Chargeback Fee | $27.50 |
| Intelligent Retries | 0.05% |
| Payout Fee | $0.25 |
Plan details, limits and sources →
Billed by: month + per transaction · FinOps profile →
Pricing Plans 2
Published pricing tiers and plan structures.
Service Levels 1
Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.
Fat Zebra
SLAFinOps 1
Cost, billing, and metering signals for API financial operations.
Fat Zebra Finops
FINOPSEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Fat Zebra Webhooks
ASYNCAPISpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Fat Zebra API Rules
SPECTRALOpenAPI Overlays 4
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.
Fat Zebra Billing Overlay
DERIVEDFat Zebra Gateway Overlay
DERIVEDFat Zebra Partner Overlay
DERIVEDSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 8
MCP servers, agent skills, and machine-readable catalogs
Scroll for all 8
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll for all 8
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 5
Properties that don't map to a standard resource type
Source (apis.yml)
Fat Zebra API — frequently asked questions
Does Fat Zebra have an API?
Yes. APIs.io lists 31 APIs from Fat Zebra, including Fat Zebra Acquirer connections API, Fat Zebra Acquirers API and Fat Zebra Applicable Surcharge API, and 28 more.
Is there an OpenAPI specification for the Fat Zebra API?
Yes. APIs.io indexes 31 OpenAPI specifications for Fat Zebra, each linked for download from this page.
How do I authenticate with the Fat Zebra API?
Fat Zebra uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Fat Zebra Authentication.
How much does the Fat Zebra API cost?
Fat Zebra publishes its prices; its Gateway Only plan is Starting from $250.00 per month + $0.30 per transaction. as of 2026-10-28. APIs.io lists 7 pricing plans for Fat Zebra, with each plan's price, limits and inclusions under Pricing on this page.
Is the Fat Zebra API ready for AI agents?
Fat Zebra has a Kin Score of 68.9 out of 100 (exemplar) and an Agent Readiness score of 39.5 (agent-native), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.