Finix Payments website screenshot

Finix Payments

Finix is a full-stack payments technology provider that lets businesses, software platforms, and marketplaces accept and send payments online and in person. Its REST API (version 2022-02-01) covers the full payments lifecycle — Identities, Merchants, Payment Instruments, Authorizations, Transfers, Settlements, Disputes, Verifications, Fee/Payout Profiles, Devices/terminals, and Webhooks — enabling card, ACH, EFT, digital-wallet, and Buy-Now-Pay-Later acceptance, seller onboarding/underwriting, split transfers, payouts, and payment facilitation (PayFac-as-a-service). Finix is a Level 1 PCI DSS certified platform with browser (finix.js) and mobile tokenization SDKs, hosted checkout pages, and payment links. Authentication is HTTP Basic Auth with environment-scoped API keys; the API uses cursor pagination, idempotency_id request-level idempotency, HAL responses, and dated versioning via the Finix-Version header.

Finix Payments publishes 19 APIs on the APIs.io network, including Authorizations API, Balance Transfers API, Compliance Forms API, and 16 more. Tagged areas include Company, Payments, Payment Processing, Payment Facilitation, and Embedded Finance.

The Finix Payments catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Finix Payments’ developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 32 more developer resources.

🌐 Visit website 📡 Source on GitHub
63.8/100 strong ▬ flat Agent 35/100 agent ready saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2
AccessSelf serve
1 APIs 1 MCP Servers
CompanyPaymentsPayment ProcessingPayment FacilitationEmbedded FinanceMarketplacesACHCard AcceptanceFintechPCI DSS

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2
Composite quality — 63.8/100 · strong
Contract Quality 13.5 / 21
Developer Ergonomics 13.3 / 17
Access Clarity 6.7 / 17
Operational Transparency 7.9 / 11
Contract Governance 1.9 / 10
Discoverability 6.5 / 9
Regulatory Posture 10.3 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 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 Surface 0 / 5
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.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/finix-payments: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 19

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

Finix Payments Authorizations API

{'$ref': 'api-descriptions/tags/authorizations.md'}

Finix Payments Balance Transfers API

{'$ref': 'api-descriptions/tags/balance-transfers.md'}

Finix Payments Compliance Forms API

{'$ref': 'api-descriptions/tags/compliance-forms.md'}

Finix Payments Devices API

{'$ref': 'api-descriptions/tags/devices.md'}

Finix Payments Disputes API

{'$ref': 'api-descriptions/tags/disputes.md'}

Finix Payments Fee Profiles API

{'$ref': 'api-descriptions/tags/fee-profiles.md'}

Finix Payments Files API

{'$ref': 'api-descriptions/tags/files.md'}

Finix Payments Identities API

{'$ref': 'api-descriptions/tags/identities.md'}

Finix Payments Instrument Updates API

{'$ref': 'api-descriptions/tags/instrument-updates.md'}

Finix Payments Merchant Profiles API

{'$ref': 'api-descriptions/tags/merchant-profiles.md'}

Finix Payments Merchants API

{'$ref': 'api-descriptions/tags/merchants.md'}

Finix Payments Onboarding Forms API

{'$ref': 'api-descriptions/tags/onboarding-forms.md'}

Finix Payments Payment Instruments API

{'$ref': 'api-descriptions/tags/payment-instruments.md'}

Finix Payments Payout Profiles API

{'$ref': 'api-descriptions/tags/payout-profiles.md'}

Finix Payments Settlements API

{'$ref': 'api-descriptions/tags/settlements.md'}

Finix Payments Split Transfers API

{'$ref': 'api-descriptions/tags/split-transfers.md'}

Finix Payments Transfers API

{'$ref': 'api-descriptions/tags/transfers.md'}

Finix Payments Verifications API

{'$ref': 'api-descriptions/tags/verifications.md'}

Finix Payments Webhooks API

{'$ref': 'api-descriptions/tags/webhooks.md'}

Scroll for all 19

Postman Collections 19

Ready-to-run Postman collections for exercising this provider's APIs.

Finix Authorizations API

POSTMAN

Finix Authorizations Balance Transfers API

POSTMAN

Finix Authorizations Compliance Forms API

POSTMAN

Finix Authorizations Devices API

POSTMAN

Finix Authorizations Disputes API

POSTMAN

Finix Authorizations Fee Profiles API

POSTMAN

Finix Authorizations Files API

POSTMAN

Finix Authorizations Identities API

POSTMAN

Finix Authorizations Instrument Updates API

POSTMAN

Finix Authorizations Merchant Profiles API

POSTMAN

Finix Authorizations Merchants API

POSTMAN

Finix Authorizations Onboarding Forms API

POSTMAN

Finix Authorizations Payment Instruments API

POSTMAN

Finix Authorizations Payout Profiles API

POSTMAN

Finix Authorizations Settlements API

POSTMAN

Finix Authorizations Split Transfers API

POSTMAN

Finix Authorizations Transfers API

POSTMAN

Finix Authorizations Verifications API

POSTMAN

Finix Authorizations Webhooks API

POSTMAN

Scroll for all 19

Open Collections 20

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

API Collection

OPEN COLLECTION

Finix Authorizations API

OPEN COLLECTION

Finix Authorizations Balance Transfers API

OPEN COLLECTION

Finix Authorizations Compliance Forms API

OPEN COLLECTION

Finix Authorizations Devices API

OPEN COLLECTION

Finix Authorizations Disputes API

OPEN COLLECTION

Finix Authorizations Fee Profiles API

OPEN COLLECTION

Finix Authorizations Files API

OPEN COLLECTION

Finix Authorizations Identities API

OPEN COLLECTION

Finix Authorizations Instrument Updates API

OPEN COLLECTION

Finix Authorizations Merchant Profiles API

OPEN COLLECTION

Finix Authorizations Merchants API

OPEN COLLECTION

Finix Authorizations Onboarding Forms API

OPEN COLLECTION

Finix Authorizations Payment Instruments API

OPEN COLLECTION

Finix Authorizations Payout Profiles API

OPEN COLLECTION

Finix Authorizations Settlements API

OPEN COLLECTION

Finix Authorizations Split Transfers API

OPEN COLLECTION

Finix Authorizations Transfers API

OPEN COLLECTION

Finix Authorizations Verifications API

OPEN COLLECTION

Finix Authorizations Webhooks API

OPEN COLLECTION

Scroll for all 20

Arazzo Workflows 2

Multi-step API workflows described with the Arazzo specification.

Finix — Accept a card payment (auth + capture)

Create a buyer Identity, tokenize a card, authorize, then capture into a Transfer.

ARAZZO

Finix — Onboard a seller/merchant

Create a seller Identity, provision a Merchant, and run verification/underwriting.

ARAZZO

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Finix Payments MCP Server

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Finix Payments Rate Limits

2 limits

RATE LIMITS

Event Specifications 1

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

Finix Payments Webhooks

ASYNCAPI

Security Posture 2

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

Finix Payments Authentication

http · 1 scheme

SECURITY

Finix Payments Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Finix Payments Agentic Access

91 operations · 39 acting

91 operations · 39 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 AgentSkill
AgentSkill
 AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Components
Components
 DataModel
DataModel
 Conformance
Conformance
 Webhooks
Webhooks
 Arazzo
Arazzo
 Arazzo
Arazzo

Scroll for all 10

Build 5

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace
PostmanWorkspace
 GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs
 DeclineCodes
DeclineCodes

Access & Security 3

Authentication, authorization, and security posture

Authentication
Authentication
 Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 5

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 RateLimits
RateLimits
 Deprecation
Deprecation
 ChangeLog
ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: finix-payments
name: Finix Payments
description: Finix is a full-stack payments technology provider that lets businesses, software platforms, and marketplaces
  accept and send payments online and in person. Its REST API (version 2022-02-01) covers the full payments lifecycle — Identities,
  Merchants, Payment Instruments, Authorizations, Transfers, Settlements, Disputes, Verifications, Fee/Payout Profiles, Devices/terminals,
  and Webhooks — enabling card, ACH, EFT, digital-wallet, and Buy-Now-Pay-Later acceptance, seller onboarding/underwriting,
  split transfers, payouts, and payment facilitation (PayFac-as-a-service). Finix is a Level 1 PCI DSS certified platform
  with browser (finix.js) and mobile tokenization SDKs, hosted checkout pages, and payment links. Authentication is HTTP Basic
  Auth with environment-scoped API keys; the API uses cursor pagination, idempotency_id request-level idempotency, HAL responses,
  and dated versioning via the Finix-Version header.
url: https://raw.githubusercontent.com/api-evangelist/finix-payments/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: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://images.ctfassets.net/kqru4vgwujx6/3dBfyfPS31FWqFPTwf4dRv/417cc8b5e94029726cffb9aa85230111/OG_Image.png?w=1200&q=90
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: enriched
x-tier-reason: openapi-and-docs-harvested
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Payments
- Payment Processing
- Payment Facilitation
- Embedded Finance
- Marketplaces
- ACH
- Card Acceptance
- Fintech
- PCI DSS
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: finix-payments:finix-payments-authorizations-api
  name: Finix Payments Authorizations API
  description: '{''$ref'': ''api-descriptions/tags/authorizations.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Authorizations
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-authorizations-api-openapi.yml
- aid: finix-payments:finix-payments-balance-transfers-api
  name: Finix Payments Balance Transfers API
  description: '{''$ref'': ''api-descriptions/tags/balance-transfers.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Balance Transfers
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-balance-transfers-api-openapi.yml
- aid: finix-payments:finix-payments-compliance-forms-api
  name: Finix Payments Compliance Forms API
  description: '{''$ref'': ''api-descriptions/tags/compliance-forms.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Compliance Forms
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-compliance-forms-api-openapi.yml
- aid: finix-payments:finix-payments-devices-api
  name: Finix Payments Devices API
  description: '{''$ref'': ''api-descriptions/tags/devices.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Devices
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-devices-api-openapi.yml
- aid: finix-payments:finix-payments-disputes-api
  name: Finix Payments Disputes API
  description: '{''$ref'': ''api-descriptions/tags/disputes.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Disputes
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-disputes-api-openapi.yml
- aid: finix-payments:finix-payments-fee-profiles-api
  name: Finix Payments Fee Profiles API
  description: '{''$ref'': ''api-descriptions/tags/fee-profiles.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Fee Profiles
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-fee-profiles-api-openapi.yml
- aid: finix-payments:finix-payments-files-api
  name: Finix Payments Files API
  description: '{''$ref'': ''api-descriptions/tags/files.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - File
  tags_raw:
  - Files
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-files-api-openapi.yml
- aid: finix-payments:finix-payments-identities-api
  name: Finix Payments Identities API
  description: '{''$ref'': ''api-descriptions/tags/identities.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Identities
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-identities-api-openapi.yml
- aid: finix-payments:finix-payments-instrument-updates-api
  name: Finix Payments Instrument Updates API
  description: '{''$ref'': ''api-descriptions/tags/instrument-updates.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Instrument Updates
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-instrument-updates-api-openapi.yml
- aid: finix-payments:finix-payments-merchant-profiles-api
  name: Finix Payments Merchant Profiles API
  description: '{''$ref'': ''api-descriptions/tags/merchant-profiles.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Merchant Profiles
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-merchant-profiles-api-openapi.yml
- aid: finix-payments:finix-payments-merchants-api
  name: Finix Payments Merchants API
  description: '{''$ref'': ''api-descriptions/tags/merchants.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Merchants
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-merchants-api-openapi.yml
- aid: finix-payments:finix-payments-onboarding-forms-api
  name: Finix Payments Onboarding Forms API
  description: '{''$ref'': ''api-descriptions/tags/onboarding-forms.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Onboarding Forms
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-onboarding-forms-api-openapi.yml
- aid: finix-payments:finix-payments-payment-instruments-api
  name: Finix Payments Payment Instruments API
  description: '{''$ref'': ''api-descriptions/tags/payment-instruments.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Payment Instruments
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-payment-instruments-api-openapi.yml
- aid: finix-payments:finix-payments-payout-profiles-api
  name: Finix Payments Payout Profiles API
  description: '{''$ref'': ''api-descriptions/tags/payout-profiles.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Payout Profiles
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-payout-profiles-api-openapi.yml
- aid: finix-payments:finix-payments-settlements-api
  name: Finix Payments Settlements API
  description: '{''$ref'': ''api-descriptions/tags/settlements.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Settlement
  tags_raw:
  - Settlements
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-settlements-api-openapi.yml
- aid: finix-payments:finix-payments-split-transfers-api
  name: Finix Payments Split Transfers API
  description: '{''$ref'': ''api-descriptions/tags/split-transfers.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Split Transfers
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-split-transfers-api-openapi.yml
- aid: finix-payments:finix-payments-transfers-api
  name: Finix Payments Transfers API
  description: '{''$ref'': ''api-descriptions/tags/transfers.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-transfers-api-openapi.yml
- aid: finix-payments:finix-payments-verifications-api
  name: Finix Payments Verifications API
  description: '{''$ref'': ''api-descriptions/tags/verifications.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Verifications
  tags_raw:
  - Verifications
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-verifications-api-openapi.yml
- aid: finix-payments:finix-payments-webhooks-api
  name: Finix Payments Webhooks API
  description: '{''$ref'': ''api-descriptions/tags/webhooks.md''}'
  humanURL: https://finix.com/docs/api
  baseURL: https://finix.live-payments-api.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/finix-payments-webhooks-api-openapi.yml
common:
- type: Overlay
  url: overlays/finix-payments-openapi-overlay.yaml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/finix-payments/overview
- type: Website
  url: https://www.finixpayments.com/
- type: DeveloperPortal
  url: https://docs.finix.com/
- type: Documentation
  url: https://docs.finix.com/
- type: APIReference
  url: https://finix.com/docs/api
- type: GettingStarted
  url: https://docs.finix.com/guides/getting-started
- type: Support
  url: https://docs.finix.com/guides/getting-started/support-at-finix
- type: Blog
  url: https://finix.com/resources/blogs
- type: GitHubOrganization
  url: https://github.com/finix-payments
- type: Pricing
  url: https://finix.com/pricing
- type: SignUp
  url: https://dashboard.finixpayments.com
- type: TermsOfService
  url: https://finix.com/terms-and-policies
- type: PrivacyPolicy
  url: https://finix.com/terms-and-policies
- type: StatusPage
  url: https://status.finix.com
- type: Packages
  url: packages/finix-payments-packages.yml
- type: SDKs
  url: packages/finix-payments-packages.yml
- type: Authentication
  url: authentication/finix-payments-authentication.yml
- type: Conventions
  url: conventions/finix-payments-conventions.yml
- type: Idempotency
  url: conventions/finix-payments-conventions.yml
- type: RateLimits
  url: rate-limits/finix-payments-rate-limits.yml
- type: ErrorCatalog
  url: errors/finix-payments-problem-types.yml
- type: DeclineCodes
  url: errors/finix-payments-decline-codes.yml
- type: Lifecycle
  url: lifecycle/finix-payments-lifecycle.yml
- type: Deprecation
  url: https://docs.finix.com/additional-resources/developers/authentication-and-api-basics/versioning
- type: ChangeLog
  url: changelog/finix-payments-changelog.yml
- type: Sandbox
  url: sandbox/finix-payments-sandbox.yml
- type: Components
  url: components/finix-payments-components.yml
- type: DataModel
  url: data-model/finix-payments-data-model.yml
- type: Conformance
  url: conformance/finix-payments-conformance.yml
- type: Compliance
  url: conformance/finix-payments-conformance.yml
- type: Webhooks
  url: asyncapi/finix-payments-webhooks.yml
- type: MCPServer
  url: mcp/finix-payments-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/finix-payments-agentic-access.yml
- type: LLMsTxt
  url: llms/finix-payments-llms.txt
- type: DomainSecurity
  url: security/finix-payments-domain-security.yml
- type: Arazzo
  name: Accept a card payment (auth + capture)
  url: arazzo/finix-payments-accept-a-card-payment.yml
- type: Arazzo
  name: Onboard a seller/merchant
  url: arazzo/finix-payments-onboard-a-merchant.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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