# Fat Zebra

**Canonical:** https://apis.io/providers/fat-zebra/  
**Website:** https://www.fatzebra.com/  
**APIs profiled:** 4

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.

## Kin Score — 55.3 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 55.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 60.8 |
| Governance | 20.8 |
| Operational Transparency | 63.2 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 40.6 (matched via tags).

## Agent readiness — 50.7 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (4)

- **Fat Zebra Gateway API** — The core Fat Zebra payments Gateway — 98 documented operations across 73 paths covering purchases, authorizations and captures, refunds and voids, card tokenization (credit_card...
- **Fat Zebra Partner API** — 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 cover...
- **Fat Zebra Billing API** — 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 ...
- **Fat Zebra FDMS TPP Merchant Onboarding API** — 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. Documente...

## MCP servers (1)

- **fat-zebra-mcp.yml**

## Agentic access (1)

- **Fat Zebra Agentic Access** — 133 operations · 72 acting · 2 human-in-the-loop

## Security (3)

- **Fat Zebra Authentication** — http · 1 scheme
- **Fat Zebra Domain Security** — TLSv1.3 · HSTS · DMARC
- **Fat Zebra Trust Center** — PCI DSS

## Tags

Payments, Australia, Payment Gateway, Payment Processing, Acquiring, Card Payments, Tokenization, Recurring Billing, Direct Debit, Hosted Payment Pages, Merchant Onboarding

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