Finix

Finix is a full-stack payments technology provider that lets software platforms, marketplaces, and merchants accept and send payments online and in person. The Finix API is a HAL/HATEOAS REST API (HTTP Basic authentication per RFC 7617, date-based Finix-Version header, cursor pagination, idempotency_id) covering Identities, Merchants, Payment Instruments, Authorizations, Transfers, Settlements, Disputes, Fee Profiles, Verifications, Onboarding Forms, Devices, Balance Transfers, Split Transfers, and Webhooks, plus low-code Checkout, Payment Links, Subscriptions, and Payouts. It is Level 1 PCI DSS certified with finix.js browser tokenization, native iOS/Android SDKs, and official Python, Node.js, Java, and PHP client libraries. This profile was enriched from Finix's own public developer surface.

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

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

Finix’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 42 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

63.6/100 strong ▬ flat Agent 42/100 agent native Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract 1 MCP Servers 4 Agent Skills

Company Fintech Payments Payment Processing Payment Facilitation Merchant Onboarding Payouts Marketplace Embedded Finance ACHCard AcceptancePCI DSS

What this lets a business do 1

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

Developer Platform & API Ecosystem Management

BC-4270

Webhooks

POST /webhooks

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 63.6/100 · strong

Contract Quality 12.1 / 21

Developer Ergonomics 12.6 / 17

Access Clarity 10.3 / 17

Operational Transparency 8.4 / 11

Contract Governance 1.9 / 10

Discoverability 5.5 / 9

Regulatory Posture 6.7 / 15

Agent readiness — 42/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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 Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)

3 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 57.0 — up to +10.8 composite points
Contract Governance scores 18.2 — up to +9.8 composite points
Access Clarity scores 60.5 — up to +7.9 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/finix/apis.yml: open an issue on github.com/api-evangelist/finix 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
EMV Card Terminals (card acceptance hardware and kernels)	regulated	36.4 (thin)	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	regulated	36.4 (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.

NACHA

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 19

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

Finix Authorizations API

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

Finix Balance Transfers API

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

Finix Compliance Forms API

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

Finix Devices API

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

Finix Disputes API

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

Finix Fee Profiles API

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

Finix Files API

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

Finix Identities API

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

Finix Instrument Updates API

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

Finix Merchant Profiles API

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

Finix Merchants API

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

Finix Onboarding Forms API

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

Finix Payment Instruments API

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

Finix Payout Profiles API

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

Finix Settlements API

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

Finix Split Transfers API

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

Finix Transfers API

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

Finix Verifications API

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

Finix 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

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Open Collections 19

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

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

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Arazzo Workflows 4

Multi-step API workflows described with the Arazzo specification.

Finix Authorize and Capture

Create a buyer Identity and card, place an Authorization, then capture it.

ARAZZO

Finix Onboard Merchant

Create a merchant Identity, attach a bank account, provision the Merchant, and run verification.

ARAZZO

Finix Refund Transfer

Look up a Transfer and issue a reversal (refund).

ARAZZO

Finix Tokenize and Charge

Convert a finix.js token into a Payment Instrument and create a Transfer (sale).

ARAZZO

MCP Servers 1

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

Finix MCP Server

Finix's official remote MCP server (HTTP transport, no auth) exposes live Finix documentation and OpenAPI to MCP clients via tools search, list-apis, get-endpoints, get-endpoint...

MCP SERVER

Agent Skills 4

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

Authorize and capture a card payment

AGENT SKILL

Onboard a merchant with Finix

AGENT SKILL

Refund a transfer

AGENT SKILL

Tokenize and charge a buyer

AGENT SKILL

Pricing Plans 1

Published pricing tiers and plan structures.

Finix Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Finix Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finix Finops

FINOPS

Event Specifications 1

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

Finix Webhook Events

Finix delivers real-time event notifications via webhooks (HTTP POST) when resources change. Subscribe with POST /webhooks. Each delivery carries an envelope { id, type, entity,...

ASYNCAPI

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.

Finix Openapi Overlay

3 actions · update · finix-openapi-original.yml

DERIVED

Security Posture 4

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

Finix Authentication

http · 1 scheme

SECURITY

Finix Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Finix Vulnerability Disclosure

contact published

SECURITY

Finix Trust Center

SOC 1, SOC 2, PCI DSS

SECURITY

Agentic Access 1

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

Finix Agentic Access

91 operations · 39 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 4

Reference material describing how the API behaves

Documentation

APIReference

AsyncAPI

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

AgenticAccess

MCPServer

AgentSkill

Design & Contract 13

Pagination, idempotency, versioning, errors, and events

Versioning

Conventions

Idempotency

Components

ErrorCatalog

DataModel

Lifecycle

Conformance

Webhooks

Arazzo

Arazzo

Arazzo

Arazzo

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Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

PostmanWorkspace

Packages

SDKs

DeclineCodes

Access & Security 6

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

RateLimits

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

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: finix
name: Finix
description: Finix is a full-stack payments technology provider that lets software platforms, marketplaces, and merchants
  accept and send payments online and in person. The Finix API is a HAL/HATEOAS REST API (HTTP Basic authentication per RFC
  7617, date-based Finix-Version header, cursor pagination, idempotency_id) covering Identities, Merchants, Payment Instruments,
  Authorizations, Transfers, Settlements, Disputes, Fee Profiles, Verifications, Onboarding Forms, Devices, Balance Transfers,
  Split Transfers, and Webhooks, plus low-code Checkout, Payment Links, Subscriptions, and Payouts. It is Level 1 PCI DSS
  certified with finix.js browser tokenization, native iOS/Android SDKs, and official Python, Node.js, Java, and PHP client
  libraries. This profile was enriched from Finix's own public developer surface.
url: https://raw.githubusercontent.com/api-evangelist/finix/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bain-capital-ventures
- homebrew
- lightspeed-venture-partners
x-tier: enriched
x-tier-reason: portfolio-lead
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
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://images.ctfassets.net/kqru4vgwujx6/3dBfyfPS31FWqFPTwf4dRv/417cc8b5e94029726cffb9aa85230111/OG_Image.png?w=1200&q=90
x-docs-platform: redocly
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Fintech
- Payments
- Payment Processing
- Payment Facilitation
- Merchant Onboarding
- Payouts
- Marketplace
- Embedded Finance
- ACH
- Card Acceptance
- PCI DSS
tags_raw:
- Company
- Fintech
- Payments
- Payment Processing
- Payment Facilitation
- Merchant Onboarding
- Payouts
- Marketplaces
- Embedded Finance
- ACH
- Card Acceptance
- PCI DSS
apis:
- aid: finix:finix-authorizations-api
  name: Finix Authorizations API
  description: '{''$ref'': ''api-descriptions/tags/authorizations.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Authorization
  tags_raw:
  - Authorizations
  properties:
  - type: OpenAPI
    url: openapi/finix-authorizations-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-balance-transfers-api
  name: Finix Balance Transfers API
  description: '{''$ref'': ''api-descriptions/tags/balance-transfers.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Balance Transfers
  properties:
  - type: OpenAPI
    url: openapi/finix-balance-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-compliance-forms-api
  name: Finix Compliance Forms API
  description: '{''$ref'': ''api-descriptions/tags/compliance-forms.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Compliance Forms
  properties:
  - type: OpenAPI
    url: openapi/finix-compliance-forms-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-devices-api
  name: Finix Devices API
  description: '{''$ref'': ''api-descriptions/tags/devices.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Devices
  properties:
  - type: OpenAPI
    url: openapi/finix-devices-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-disputes-api
  name: Finix Disputes API
  description: '{''$ref'': ''api-descriptions/tags/disputes.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Disputes
  properties:
  - type: OpenAPI
    url: openapi/finix-disputes-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-fee-profiles-api
  name: Finix Fee Profiles API
  description: '{''$ref'': ''api-descriptions/tags/fee-profiles.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Fee Profiles
  properties:
  - type: OpenAPI
    url: openapi/finix-fee-profiles-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-files-api
  name: Finix Files API
  description: '{''$ref'': ''api-descriptions/tags/files.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - File
  tags_raw:
  - Files
  properties:
  - type: OpenAPI
    url: openapi/finix-files-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-identities-api
  name: Finix Identities API
  description: '{''$ref'': ''api-descriptions/tags/identities.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Identities
  properties:
  - type: OpenAPI
    url: openapi/finix-identities-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-instrument-updates-api
  name: Finix Instrument Updates API
  description: '{''$ref'': ''api-descriptions/tags/instrument-updates.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Instrument Updates
  properties:
  - type: OpenAPI
    url: openapi/finix-instrument-updates-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-merchant-profiles-api
  name: Finix Merchant Profiles API
  description: '{''$ref'': ''api-descriptions/tags/merchant-profiles.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Merchant Profiles
  properties:
  - type: OpenAPI
    url: openapi/finix-merchant-profiles-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-merchants-api
  name: Finix Merchants API
  description: '{''$ref'': ''api-descriptions/tags/merchants.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Merchants
  properties:
  - type: OpenAPI
    url: openapi/finix-merchants-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-onboarding-forms-api
  name: Finix Onboarding Forms API
  description: '{''$ref'': ''api-descriptions/tags/onboarding-forms.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Onboarding Forms
  properties:
  - type: OpenAPI
    url: openapi/finix-onboarding-forms-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-payment-instruments-api
  name: Finix Payment Instruments API
  description: '{''$ref'': ''api-descriptions/tags/payment-instruments.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Payment Instruments
  properties:
  - type: OpenAPI
    url: openapi/finix-payment-instruments-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-payout-profiles-api
  name: Finix Payout Profiles API
  description: '{''$ref'': ''api-descriptions/tags/payout-profiles.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Payout Profiles
  properties:
  - type: OpenAPI
    url: openapi/finix-payout-profiles-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-settlements-api
  name: Finix Settlements API
  description: '{''$ref'': ''api-descriptions/tags/settlements.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Settlement
  tags_raw:
  - Settlements
  properties:
  - type: OpenAPI
    url: openapi/finix-settlements-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-split-transfers-api
  name: Finix Split Transfers API
  description: '{''$ref'': ''api-descriptions/tags/split-transfers.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Split Transfers
  properties:
  - type: OpenAPI
    url: openapi/finix-split-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-transfers-api
  name: Finix Transfers API
  description: '{''$ref'': ''api-descriptions/tags/transfers.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/finix-transfers-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-verifications-api
  name: Finix Verifications API
  description: '{''$ref'': ''api-descriptions/tags/verifications.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Verification
  tags_raw:
  - Verifications
  properties:
  - type: OpenAPI
    url: openapi/finix-verifications-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-webhooks-api
  name: Finix Webhooks API
  description: '{''$ref'': ''api-descriptions/tags/webhooks.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/finix-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/finix-plans-pricing.yml
- type: CapabilityMap
  url: capabilities/finix-capability-edges.yml
  name: Finix Business Capability Map
- type: Overlay
  url: overlays/finix-openapi-overlay.yaml
- type: Website
  url: https://finix.com/
- type: DeveloperPortal
  url: https://docs.finix.com/
- type: Documentation
  url: https://docs.finix.com/
- type: APIReference
  url: https://docs.finix.com/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://finix.payments-dashboard.com/signup
- type: Login
  url: https://finix.payments-dashboard.com/
- type: TermsOfService
  url: https://finix.com/terms-and-policies
- type: PrivacyPolicy
  url: https://finix.com/terms-and-policies/privacy-policy
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/finix/overview
- type: Versioning
  url: https://docs.finix.com/additional-resources/developers/authentication-and-api-basics/versioning
- type: StatusPage
  url: https://status.finix.com/
- type: LLMsTxt
  url: llms/finix-llms.txt
- type: Authentication
  url: authentication/finix-authentication.yml
- type: Conventions
  url: conventions/finix-conventions.yml
- type: Idempotency
  url: conventions/finix-conventions.yml
- type: RateLimits
  url: rate-limits/finix-rate-limits.yml
- type: Packages
  url: packages/finix-packages.yml
- type: SDKs
  url: packages/finix-packages.yml
- type: Components
  url: components/finix-components.yml
- type: Sandbox
  url: sandbox/finix-sandbox.yml
- type: ErrorCatalog
  url: errors/finix-problem-types.yml
- type: DeclineCodes
  url: errors/finix-decline-codes.yml
- type: DataModel
  url: data-model/finix-data-model.yml
- type: Lifecycle
  url: lifecycle/finix-lifecycle.yml
- type: ChangeLog
  url: changelog/finix-changelog.yml
- type: Conformance
  url: conformance/finix-conformance.yml
- type: Compliance
  url: https://trust.finix.com/
- type: TrustCenter
  url: security/finix-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/finix-vulnerability-disclosure.yml
- type: Security
  url: https://trust.finix.com/
- type: DomainSecurity
  url: security/finix-domain-security.yml
- type: AgenticAccess
  url: agentic-access/finix-agentic-access.yml
- type: Webhooks
  url: asyncapi/finix-events-asyncapi.yml
- type: AsyncAPI
  url: asyncapi/finix-events-asyncapi.yml
- type: MCPServer
  url: https://docs.finix.com/mcp
  name: Finix MCP Server
  description: Finix's official remote MCP server (HTTP transport, no auth) exposes live Finix documentation and OpenAPI to
    MCP clients via tools search, list-apis, get-endpoints, get-endpoint-info, get-security-schemes, get-full-spec-document.
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  url: arazzo/finix-onboard-merchant-workflow.yml
  name: Finix Onboard Merchant
- type: Arazzo
  url: arazzo/finix-authorize-and-capture-workflow.yml
  name: Finix Authorize and Capture
- type: Arazzo
  url: arazzo/finix-tokenize-and-charge-workflow.yml
  name: Finix Tokenize and Charge
- type: Arazzo
  url: arazzo/finix-refund-transfer-workflow.yml
  name: Finix Refund Transfer
- type: APIReference
  url: https://finix.com/docs/api
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Finix API — frequently asked questions

Does Finix have an API?

Yes. APIs.io lists 19 APIs from Finix, including Finix Authorizations API, Finix Balance Transfers API and Finix Compliance Forms API, and 16 more.

Is there an OpenAPI specification for the Finix API?

Yes. APIs.io indexes 19 OpenAPI specifications for Finix, each linked for download from this page.

How do I authenticate with the Finix API?

Finix uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Finix Authentication.

Does Finix have an MCP server?

Yes. APIs.io lists 1 MCP server for Finix: Finix's official remote MCP server (HTTP transport, no auth) exposes live Finix documentation and OpenAPI to MCP clients via tools search, list-apis, get-endpoints, get-endpoint-info, get-security-sch

Is the Finix API ready for AI agents?

Finix has a Kin Score of 63.6 out of 100 (strong) and an Agent Readiness score of 41.6 (agent-native), scored by API Evangelist on 2026-10-31.

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