Finix website screenshot

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 APIs 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 38 more developer resources.

68.8/100 exemplar ▬ flat Agent 59/100 agent native Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1
AccessSelf serve
19 APIs 1 MCP Servers
CompanyFintechPaymentsPayment ProcessingPayment FacilitationMerchant OnboardingPayoutsMarketplaces

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1
Composite quality — 68.8/100 · exemplar
Contract Quality 17.5 / 25
Developer Ergonomics 16.0 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 9.9 / 13
Governance 2.5 / 12
Discoverability 9.3 / 10
Agent readiness — 59/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
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
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: 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 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.

Scroll for all 19

Arazzo Workflows 5

Multi-step API workflows described with the Arazzo specification.

_Index

ARAZZO

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

Rate Limits 1

Documented rate limits and quota policies.

Finix Rate Limits

2 limits

RATE LIMITS

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

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

91 operations · 39 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Documentation 3

Reference material describing how the API behaves

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 13

Pagination, idempotency, versioning, errors, and events

Scroll for all 13

Build 5

SDKs, sample code, and the tooling you integrate with

Access & Security 6

Authentication, authorization, and security posture

Operate 4

Status, limits, changes, and where to get help

Commercial 3

Pricing, plans, and the legal terms of use

Company 2

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
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
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
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
image: https://images.ctfassets.net/kqru4vgwujx6/3dBfyfPS31FWqFPTwf4dRv/417cc8b5e94029726cffb9aa85230111/OG_Image.png?w=1200&q=90
tags:
- Company
- Fintech
- Payments
- Payment Processing
- Payment Facilitation
- Merchant Onboarding
- Payouts
- Marketplaces
apis:
- aid: finix:finix-authorizations-api
  name: Finix Authorizations API
  description: '{''$ref'': ''api-descriptions/tags/authorizations.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Authorizations
  properties:
  - type: OpenAPI
    url: openapi/finix-authorizations-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-balance-transfers-api
  name: Finix Balance Transfers API
  description: '{''$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: '{''$ref'': ''api-descriptions/tags/files.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Files
  properties:
  - type: OpenAPI
    url: openapi/finix-files-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-identities-api
  name: Finix Identities API
  description: '{''$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: '{''$ref'': ''api-descriptions/tags/settlements.md''}'
  humanURL: https://docs.finix.com/
  baseURL: https://finix.live-payments-api.com
  tags:
  - Settlements
  properties:
  - type: OpenAPI
    url: openapi/finix-settlements-api-openapi.yml
  - type: Documentation
    url: https://docs.finix.com/
  - type: APIReference
    url: https://docs.finix.com/api
  - type: GettingStarted
    url: https://docs.finix.com/guides/getting-started
  - type: Authentication
    url: authentication/finix-authentication.yml
- aid: finix:finix-split-transfers-api
  name: Finix Split Transfers API
  description: '{''$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:
  - 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:
  - 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: 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
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence