Genome

Genome, operated by UAB "Maneuver LT" of Vilnius, is an Electronic Money Institution licensed and supervised by the Bank of Lithuania. It runs multi-currency personal and business accounts, issues Visa cards, and sells a merchant payments stack that is documented as six public API surfaces: the Host-to-Host API for direct card processing (AUTH, AUTH3D, SALE, SALE3D, SETTLE, REFUND, VOID and CHECK), the Payout API for sending funds to cardholders, the SEPA Payout API, the Query on Demand reporting API, a Verification of Payee API returning the EPC scheme's match outcomes, and a Berlin Group NextGenPSD2 dedicated interface offered free of charge to registered AISPs and PISPs. Batch transfers are submitted as ISO 20022 pain.001.001.03. Outcomes are carried in a proprietary 137-code response envelope rather than HTTP status codes, and Genome publishes no OpenAPI, AsyncAPI, MCP server or /.well-known/ document on any of its hosts.

Genome publishes 8 API contracts indexed on the APIs.io network, including Host-to-Host API, Payouts API, and 6 more. Tagged areas include Finance, Payments, Banking, Open Banking, and PSD2.

The Genome catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Genome’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 37 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

64.8/100 strong ▬ flat Agent 31/100 agent ready Front door AI 1/6 silent Heartbeat 52/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Finance Payments Banking Open Banking PSD2 SEPA Card Processing PayoutsElectronic Money InstitutionEurope

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 64.8/100 · strong

Contract Quality 12.8 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 13.0 / 15

Operational Transparency 3.9 / 10

Contract Governance 3.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 3.5 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 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

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
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)
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

5 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 68.0 — up to +8.0 composite points
Operational Transparency scores 39.5 — up to +7.9 composite points
Contract Governance scores 35.6 — up to +7.7 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/genome/apis.yml: open an issue on github.com/api-evangelist/genome 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
Open Banking	undeclared	-	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	undeclared	-	-	-

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.

OpenAPI

measured — observed by APIs.io (published)

APIs 8

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

Genome

The Genome merchant payments programme as a whole — hosted payment pages, host-to-host card processing, payouts, reporting and the PSD2 dedicated interface, all documented at de...

Genome Host-to-Host API

Direct card processing. One endpoint dispatching eight transaction types — AUTH, AUTH3D, SALE, SALE3D, SETTLE, REFUND, VOID and CHECK — accepting form-encoded or JSON bodies.

Genome Payouts API

Send funds to cardholders using full card data or a tokenized card. The synchronous response is pending; the final status arrives on the merchant callback. No reversal operation...

Genome SEPA Payout API

SEPA credit transfer payouts by IBAN, with a companion transaction-status surface. Amounts can be read including or excluding the SEPA payout fee. No OpenAPI is published for th...

Genome Query on Demand API

Historical transaction and chargeback reporting over a required unix time window, paged by page and limit with a 1,000-record page ceiling. No OpenAPI is published for this surf...

Genome Verification of Payee API

Check a SEPA beneficiary's name or identifier against the account before sending a payment. Returns the EPC VOP scheme outcomes — match, close match, no match, no applicable — w...

Genome PSD2 API

Berlin Group NextGenPSD2 dedicated interface. Account Information Services, Payment Initiation Services for SEPA credit transfers, and Confirmation of Funds, secured with OAuth ...

Genome Hosted Payment Page

Redirect checkout hosted by Genome, opened with an HS256 JWT signed with the SHA-256 digest of the payment page secret. Keeps card data out of merchant scope. Supports card and ...

Scroll for all 8

Open Collections 3

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

Genome Payments Host-to-Host API

OPEN COLLECTION

Genome Payments Host-to-Host Payouts API

OPEN COLLECTION

Genome Payments API

OPEN COLLECTION

Agent Skills 3

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

genome-card-authorize-and-capture

AGENT SKILL

genome-card-payout

AGENT SKILL

genome-reconcile-transactions

AGENT SKILL

Genome API pricing

Prices published by Genome, read 2026-10-28 from genome.eu/low-risk-merchant-account-pricing/. A free plan or tier is listed.

Plan	Price
Merchant account application processing	Free
Payment initiation via Open Banking (Pay by Bank)	0.30 EUR
EEA debit and credit cards	1.20% of transaction value
Non-EEA and UK debit and credit cards	2.90% of transaction value
Processing fee per authorization attempt	0.15 EUR per transaction Includes: 3D Secure authentication Included in the processing fee
Refund	0.50 EUR per transaction
Original Credit Transaction (OCT)	1.50 EUR per transaction
FX markup GBP or USD	1% of converted transaction value

All 22 plans, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Genome Plans Pricing

22 plans

PLANS

Genome Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Genome Rate Limits

0 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Genome

SLA

FinOps 1

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

Genome Finops

FINOPS

Event Specifications 1

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

Genome Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Genome Context

5 classes · 19 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Genome API Rules

16 rules · 14 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 2

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.

Genome Host To Host Api Overlay

6 actions · update · genome-host-to-host-api-openapi.yml

DERIVED

Genome Payouts Api Overlay

4 actions · update · genome-payouts-api-openapi.yml

DERIVED

JSON Schema 4

Standalone JSON Schema definitions for this provider's data models.

HostToHostRequest

12 properties

JSON SCHEMA

PayoutRequest

16 properties

JSON SCHEMA

PayoutResponse

5 properties

JSON SCHEMA

TransactionResponse

6 properties

JSON SCHEMA

Security Posture 3

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

Genome Authentication

7 schemes

SECURITY

Genome Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Genome Trust Center

ISO/IEC 27001:2022, ISO/IEC 27701:2019, PCI DSS

SECURITY

Agentic Access 1

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

Genome Agentic Access

2 operations · 2 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

Design & Contract 12

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

ErrorCatalog

Conventions

Idempotency

ErrorCatalog

Webhooks

Lifecycle

Conformance

Components

DataModel

Scroll for all 12

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

DeclineCodes

Packages

SDKs

Access & Security 5

Authentication, authorization, and security posture

Security

Authentication

Compliance

TrustCenter

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Deprecation

Support

StatusPage

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: genome
name: Genome
description: 'Genome, operated by UAB "Maneuver LT" of Vilnius, is an Electronic Money Institution licensed and supervised
  by the Bank of Lithuania. It runs multi-currency personal and business accounts, issues Visa cards, and sells a merchant
  payments stack that is documented as six public API surfaces: the Host-to-Host API for direct card processing (AUTH, AUTH3D,
  SALE, SALE3D, SETTLE, REFUND, VOID and CHECK), the Payout API for sending funds to cardholders, the SEPA Payout API, the
  Query on Demand reporting API, a Verification of Payee API returning the EPC scheme''s match outcomes, and a Berlin Group
  NextGenPSD2 dedicated interface offered free of charge to registered AISPs and PISPs. Batch transfers are submitted as ISO
  20022 pain.001.001.03. Outcomes are carried in a proprietary 137-code response envelope rather than HTTP status codes, and
  Genome publishes no OpenAPI, AsyncAPI, MCP server or /.well-known/ document on any of its hosts.'
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: true
  callable_host: true
  label: Commercial payments service behind an approved merchant account
  confidence: medium
  source:
  - plans
  - openapi
  generated: '2026-09-12'
  method: searched
accessModel:
  pricing: usage-based
  onboarding: sales-assisted
  trial: false
  try_now: false
  public: false
  label: Per-transaction pricing, risk-classified; API access follows merchant account approval
  confidence: high
  source:
  - plans
  generated: '2026-09-12'
  method: searched
position: Consuming
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/genome.png
tags:
- Finance
- Payments
- Banking
- Open Banking
- PSD2
- SEPA
- Card Processing
- Payouts
- Electronic Money Institution
- Europe
created: '2025-03-01'
modified: '2026-09-12'
url: https://raw.githubusercontent.com/api-evangelist/genome/refs/heads/main/apis.yml
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: Spectral
  url: rules/genome-rules.yml
- type: JSONLD
  url: json-ld/genome-context.jsonld
- type: Vocabulary
  url: vocabulary/genome-vocabulary.yml
- type: Deprecation
  url: lifecycle/genome-lifecycle.yml
- type: ErrorCatalog
  url: errors/genome-problem-types.yml
- type: Hosts
  url: hosts/genome-hosts.yml
- type: Vendors
  url: vendors/genome-vendors.yml
- type: Security
  url: https://blog.genome.eu/category/security/
- type: Website
  url: https://genome.eu/
- type: DeveloperPortal
  url: https://developers.genome.eu/
- type: Documentation
  url: https://developers.genome.eu/
- type: APIReference
  url: https://gateway.genome.eu/help/cc
- type: GettingStarted
  url: https://developers.genome.eu/merchants/hosted-payment-page/
- type: Support
  url: https://support.genome.eu/hc/en-us/
- type: Blog
  url: https://blog.genome.eu
- type: GitHubOrganization
  url: https://github.com/genome-eu
- type: Pricing
  url: https://genome.eu/low-risk-merchant-account-pricing/
- type: SignUp
  url: https://my.genome.eu/signup
- type: TermsOfService
  url: https://genome.eu/merchant-terms-of-use/
- type: PrivacyPolicy
  url: https://genome.eu/privacy-notice/
- type: StatusPage
  url: https://status.genome.eu
- type: LinkedIn
  url: https://www.linkedin.com/company/genome-europe/
- type: Authentication
  url: authentication/genome-authentication.yml
- type: Conventions
  url: conventions/genome-conventions.yml
- type: Idempotency
  url: conventions/genome-conventions.yml
- type: ErrorCatalog
  url: errors/genome-error-codes.yml
- type: DeclineCodes
  url: errors/genome-decline-codes.yml
- type: Webhooks
  url: asyncapi/genome-webhooks.yml
- type: Lifecycle
  url: lifecycle/genome-lifecycle.yml
- type: Conformance
  url: conformance/genome-conformance.yml
- type: Compliance
  url: conformance/genome-conformance.yml
- type: TrustCenter
  url: security/genome-trust-center.yml
- type: DomainSecurity
  url: security/genome-domain-security.yml
- type: Packages
  url: packages/genome-packages.yml
- type: SDKs
  url: packages/genome-packages.yml
- type: Components
  url: components/genome-components.yml
- type: DataModel
  url: data-model/genome-data-model.yml
- type: Sandbox
  url: sandbox/genome-sandbox.yml
- type: Plans
  url: plans/genome-plans-pricing.yml
- type: RateLimits
  url: rate-limits/genome-rate-limits.yml
- type: FinOps
  url: finops/genome-finops.yml
- type: AgentSkill
  url: skills/_index.yml
- type: AgenticAccess
  url: agentic-access/genome-agentic-access.yml
- type: X-MCPServerCandidate
  url: mcp/genome-mcp.yml
apis:
- aid: genome:genome
  name: Genome
  description: The Genome merchant payments programme as a whole — hosted payment pages, host-to-host card processing, payouts,
    reporting and the PSD2 dedicated interface, all documented at developers.genome.eu.
  humanURL: https://developers.genome.eu/
  baseURL: https://api.genome.eu
  tags:
  - Finance
  - Payments
  properties:
  - type: Documentation
    url: https://developers.genome.eu/
  - type: GettingStarted
    url: https://developers.genome.eu/merchants/hosted-payment-page/
  - type: Webhooks
    url: https://developers.genome.eu/webhooks/
  - type: ErrorCatalog
    url: errors/genome-error-codes.yml
- aid: genome:genome-host-to-host-api
  name: Genome Host-to-Host API
  description: Direct card processing. One endpoint dispatching eight transaction types — AUTH, AUTH3D, SALE, SALE3D, SETTLE,
    REFUND, VOID and CHECK — accepting form-encoded or JSON bodies.
  humanURL: https://developers.genome.eu/merchants/host-to-host-api/
  baseURL: https://api.genome.eu
  tags:
  - Host-to-Host
  - Card Processing
  properties:
  - type: OpenAPI
    url: openapi/genome-host-to-host-api-openapi.yml
  - type: Overlay
    url: overlays/genome-host-to-host-api-overlay.yaml
  - type: Documentation
    url: https://developers.genome.eu/merchants/host-to-host-api/
  - type: APIReference
    url: https://gateway.genome.eu/help/cc
  - type: JSONSchema
    url: json-schema/genome-host-to-host-request-schema.json
  - type: JSONSchema
    url: json-schema/genome-transaction-response-schema.json
- aid: genome:genome-payouts-api
  name: Genome Payouts API
  description: Send funds to cardholders using full card data or a tokenized card. The synchronous response is pending; the
    final status arrives on the merchant callback. No reversal operation exists.
  humanURL: https://developers.genome.eu/merchants/payout-api/
  baseURL: https://api.genome.eu
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/genome-payouts-api-openapi.yml
  - type: Overlay
    url: overlays/genome-payouts-api-overlay.yaml
  - type: Documentation
    url: https://developers.genome.eu/merchants/payout-api/
  - type: JSONSchema
    url: json-schema/genome-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/genome-payout-response-schema.json
- aid: genome:genome-sepa-payout-api
  name: Genome SEPA Payout API
  description: SEPA credit transfer payouts by IBAN, with a companion transaction-status surface. Amounts can be read including
    or excluding the SEPA payout fee. No OpenAPI is published for this surface.
  humanURL: https://developers.genome.eu/sepa-payout-api/
  baseURL: https://api.genome.eu
  tags:
  - Payouts
  - SEPA
  properties:
  - type: Documentation
    url: https://developers.genome.eu/sepa-payout-api/
- aid: genome:genome-query-on-demand-api
  name: Genome Query on Demand API
  description: Historical transaction and chargeback reporting over a required unix time window, paged by page and limit with
    a 1,000-record page ceiling. No OpenAPI is published for this surface.
  humanURL: https://developers.genome.eu/merchants/query-on-demand-api/
  baseURL: https://api.genome.eu
  tags:
  - Reporting
  - Reconciliation
  properties:
  - type: Documentation
    url: https://developers.genome.eu/merchants/query-on-demand-api/
- aid: genome:genome-verification-of-payee-api
  name: Genome Verification of Payee API
  description: Check a SEPA beneficiary's name or identifier against the account before sending a payment. Returns the EPC
    VOP scheme outcomes — match, close match, no match, no applicable — with a suggested payee name on a close match. No OpenAPI
    is published for this surface.
  humanURL: https://developers.genome.eu/verification-of-payee-api/
  baseURL: https://api.genome.eu
  tags:
  - SEPA
  - Verification of Payee
  - Fraud Prevention
  properties:
  - type: Documentation
    url: https://developers.genome.eu/verification-of-payee-api/
- aid: genome:genome-psd2-api
  name: Genome PSD2 API
  description: Berlin Group NextGenPSD2 dedicated interface. Account Information Services, Payment Initiation Services for
    SEPA credit transfers, and Confirmation of Funds, secured with OAuth 2.0, Strong Customer Authentication and an eIDAS
    QWAC. Free to registered AISPs and PISPs. No OpenAPI is published for this surface.
  humanURL: https://developers.genome.eu/psd2-api/
  baseURL: https://my.genome.eu/psd2/v1
  tags:
  - PSD2
  - Open Banking
  - Berlin Group
  properties:
  - type: Documentation
    url: https://developers.genome.eu/psd2-api/
  - type: Authentication
    url: authentication/genome-authentication.yml
- aid: genome:genome-hosted-payment-page
  name: Genome Hosted Payment Page
  description: Redirect checkout hosted by Genome, opened with an HS256 JWT signed with the SHA-256 digest of the payment
    page secret. Keeps card data out of merchant scope. Supports card and Pay by Bank.
  humanURL: https://developers.genome.eu/merchants/hosted-payment-page/
  baseURL: https://pay.genome.eu
  tags:
  - Hosted Payment Page
  - Checkout
  properties:
  - type: Documentation
    url: https://developers.genome.eu/merchants/hosted-payment-page/
  - type: Components
    url: components/genome-components.yml
x-enrichment:
  date: '2026-10-12'
  status: enriched
  artifacts_added: 1
  pass: local-v5

Genome API — frequently asked questions

Does Genome have an API?

Yes. APIs.io lists 8 APIs from Genome, including Genome, Genome Host-to-Host API and Genome Payouts API, and 5 more.

Is there an OpenAPI specification for the Genome API?

Yes. APIs.io indexes 2 OpenAPI specifications for Genome, each linked for download from this page.

How do I authenticate with the Genome API?

Genome uses bearer-token authentication (7 schemes). The details are profiled on APIs.io as Genome Authentication.

How much does the Genome API cost?

Genome publishes its prices; its Payment initiation via Open Banking (Pay by Bank) plan is 0.30 EUR as of 2026-10-28. APIs.io lists 22 pricing plans for Genome, with each plan's price, limits and inclusions under Pricing on this page.

Is the Genome API ready for AI agents?

Genome has a Kin Score of 64.8 out of 100 (strong) and an Agent Readiness score of 31.1 (agent-ready), scored by API Evangelist on 2026-11-06.

Work with this as data

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https://apis.io/mcp

Tools for providers

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find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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