# Flatpay

**Canonical:** https://apis.io/providers/flatpay/  
**Website:** https://www.flatpay.com/  
**APIs profiled:** 0

Flatpay is a Copenhagen-headquartered payments company founded in 2022 that sells card acceptance to small and medium-sized European merchants on a single flat per-transaction rate with no monthly subscription. Its product line is a PAX card terminal, an all-in-one point-of-sale system, an online payment solution for webshops built on the Frisbii (Billwerk+) platform, and Flatpay Capital merchant financing. The company operates in Denmark, Finland, Germany, Italy, France, the Netherlands and the United Kingdom, serves roughly 70,000 merchants, and reached unicorn valuation in 2025. Flatpay publishes no public developer portal, API reference or machine-readable specification: webshop integration is delivered through Frisbii+ Pay plugins and a merchant-issued API key for the Frisbii gateway, which is operated by a different company.

## Kin Score — 28.1 / 100 (thin)

Scored 2026-08-17 under rubric 0.11.0.

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 6.5 |
| Commercial Clarity | 76.3 |

Regulatory layer — **Payments**: 31.3 (matched via tags).

## Agent readiness — 5.9 (human-only)

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

## Security (2)

- **Flatpay Domain Security** — TLSv1.3 · HSTS · DMARC
- **Flatpay Vulnerability Disclosure** — security.txt · contact published

## Plans (1)

- **Flatpay Plans Pricing**

## Tags

Company, Payments, Point of Sale, Card Terminals, Merchant Acquiring, Fintech, Online Payments, Denmark, Europe, Small Business

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