Hypto

Hypto provides a developer-friendly payment gateway platform offering APIs for collections, payouts, and UPI transactions in India. Their services enable businesses to automate fund transfers via IMPS, NEFT, RTGS, and UPI, create virtual accounts for seamless collections, and integrate payment solutions quickly with low pricing and high scalability. Hypto processes over $100M daily, supporting use cases such as supplier payments, loan disbursements, online gaming rewards, and more, with robust security and extensive documentation.

Hypto publishes 7 API contracts indexed on the APIs.io network, including Banking API, Generate QR API, Payments API, and 4 more. Tagged areas include Company, Payments, Fintech, and Collection.

The Hypto catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Hypto’s developer surface includes API reference and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.6/100 thin Agent 23/100 agent aware Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

1 published contract

Company Payments Fintech Collection

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 27.6/100 · thin

Contract Quality 11.9 / 21

Developer Ergonomics 1.5 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 2.2 / 10

Discoverability 4.6 / 9

Regulatory Posture 2.6 / 15

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 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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<a href="https://apis.io/providers/hypto/"><img src="https://apis.io/badge/hypto/card.svg" alt="Hypto on APIs.io — Kin Score by API Evangelist"></a>

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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 github.com/api-evangelist/hypto: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 7

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

Hypto Banking API

This section explains how to create virtual accounts that can be used to receive collections and deposits using any fund transfer mode.

Hypto Generate QR API

This section explains the steps to generate a QR code using any given UPI ID on web (.js) and android (Java/Kotlin)

Hypto Payments API

This section explains how to initiate a fund transfer to any bank account and check the status of the transaction.

Hypto Status API

This section explains how to fetch status details of partner services.

Hypto UPI API

Create customized UPI IDs to accept payments through any UPI app.

Hypto UPI Collections API

Initiate collection requests to any UPI ID and receive payments through any UPI app

Hypto Webhooks API

This section explains the steps to configure callback urls for receiving transactions (collections) into virtual accounts and UPI IDs.

Scroll for all 7

Semantic Vocabularies 1

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

Hypto Context

6 classes · 30 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Hypto API Rules

8 rules · 6 errors 1 warnings 1 info

SPECTRAL

JSON Schema 6

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

Account

19 properties

JSON SCHEMA

Bank_Verification

3 properties

JSON SCHEMA

Received_UPI

3 properties

JSON SCHEMA

Received_VA

3 properties

JSON SCHEMA

UPI

16 properties

JSON SCHEMA

UPI_Verification

3 properties

JSON SCHEMA

Security Posture 1

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

Hypto Domain Security

TLSv1.3

SECURITY

Agentic Access 1

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

Hypto Agentic Access

65 operations · 31 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: hypto
name: Hypto
description: Hypto provides a developer-friendly payment gateway platform offering APIs for collections, payouts, and UPI
  transactions in India. Their services enable businesses to automate fund transfers via IMPS, NEFT, RTGS, and UPI, create
  virtual accounts for seamless collections, and integrate payment solutions quickly with low pricing and high scalability.
  Hypto processes over $100M daily, supporting use cases such as supplier payments, loan disbursements, online gaming rewards,
  and more, with robust security and extensive documentation.
url: https://raw.githubusercontent.com/api-evangelist/hypto/refs/heads/main/apis.yml
x-type: company
x-source: harvest:g2-catalog
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-20 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-20'
modified: '2026-10-20'
tags:
- Company
- Payments
- Fintech
- Collection
tags_raw:
- Company
- Payments
- API
- FinTech
- Collections
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/hypto-agentic-access.yml
- type: Spectral
  url: rules/hypto-rules.yml
- type: JSONLD
  url: json-ld/hypto-context.jsonld
- type: Vocabulary
  url: vocabulary/hypto-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/hypto-data-model.yml
- type: ErrorCatalog
  url: errors/hypto-problem-types.yml
- type: Conformance
  url: conformance/hypto-conformance.yml
- type: Hosts
  url: hosts/hypto-hosts.yml
- type: Vendors
  url: vendors/hypto-vendors.yml
- type: TermsOfService
  url: https://www.hypto.in/terms
- type: PrivacyPolicy
  url: https://www.hypto.in/privacy-policy
- type: APIReference
  url: https://www.hypto.in/docs
- type: DomainSecurity
  url: security/hypto-domain-security.yml
- type: Website
  url: https://hypto.in/
apis:
- aid: hypto:hypto-banking-api
  name: Hypto Banking API
  description: This section explains how to create virtual accounts that can be used to receive collections and deposits using
    any fund transfer mode.
  humanURL: https://www.hypto.in/docs
  baseURL: https://partners.hypto.in
  tags:
  - Banking
  properties:
  - type: OpenAPI
    url: openapi/hypto-banking-api-openapi.yml
  - type: JSONSchema
    url: json-schema/hypto-received-va-schema.json
  - type: JSONSchema
    url: json-schema/hypto-received-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-bank-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-account-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-schema.json
- aid: hypto:hypto-generate-qr-api
  name: Hypto Generate QR API
  description: This section explains the steps to generate a QR code using any given UPI ID on web (.js) and android (Java/Kotlin)
  humanURL: https://www.hypto.in/docs
  baseURL: https://partners.hypto.in
  tags:
  - Generate_QR
  properties:
  - type: OpenAPI
    url: openapi/hypto-generate-qr-api-openapi.yml
  - type: JSONSchema
    url: json-schema/hypto-received-va-schema.json
  - type: JSONSchema
    url: json-schema/hypto-received-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-bank-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-account-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-schema.json
- aid: hypto:hypto-payments-api
  name: Hypto Payments API
  description: This section explains how to initiate a fund transfer to any bank account and check the status of the transaction.
  humanURL: https://www.hypto.in/docs
  baseURL: https://partners.hypto.in
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/hypto-payments-api-openapi.yml
  - type: JSONSchema
    url: json-schema/hypto-received-va-schema.json
  - type: JSONSchema
    url: json-schema/hypto-received-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-bank-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-account-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-schema.json
- aid: hypto:hypto-status-api
  name: Hypto Status API
  description: This section explains how to fetch status details of partner services.
  humanURL: https://www.hypto.in/docs
  baseURL: https://partners.hypto.in
  tags:
  - Status
  properties:
  - type: OpenAPI
    url: openapi/hypto-status-api-openapi.yml
  - type: JSONSchema
    url: json-schema/hypto-received-va-schema.json
  - type: JSONSchema
    url: json-schema/hypto-received-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-bank-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-account-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-schema.json
- aid: hypto:hypto-upi-api
  name: Hypto UPI API
  description: Create customized UPI IDs to accept payments through any UPI app.
  humanURL: https://www.hypto.in/docs
  baseURL: https://partners.hypto.in
  tags:
  - UPI
  properties:
  - type: OpenAPI
    url: openapi/hypto-upi-api-openapi.yml
  - type: JSONSchema
    url: json-schema/hypto-received-va-schema.json
  - type: JSONSchema
    url: json-schema/hypto-received-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-bank-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-account-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-schema.json
- aid: hypto:hypto-upi-collections-api
  name: Hypto UPI Collections API
  description: Initiate collection requests to any UPI ID and receive payments through any UPI app
  humanURL: https://www.hypto.in/docs
  baseURL: https://partners.hypto.in
  tags:
  - UPI_Collections
  properties:
  - type: OpenAPI
    url: openapi/hypto-upi-collections-api-openapi.yml
  - type: JSONSchema
    url: json-schema/hypto-received-va-schema.json
  - type: JSONSchema
    url: json-schema/hypto-received-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-bank-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-account-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-schema.json
- aid: hypto:hypto-webhooks-api
  name: Hypto Webhooks API
  description: This section explains the steps to configure callback urls for receiving transactions (collections) into virtual
    accounts and UPI IDs.
  humanURL: https://www.hypto.in/docs
  baseURL: https://partners.hypto.in
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/hypto-webhooks-api-openapi.yml
  - type: JSONSchema
    url: json-schema/hypto-received-va-schema.json
  - type: JSONSchema
    url: json-schema/hypto-received-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-bank-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-schema.json
  - type: JSONSchema
    url: json-schema/hypto-account-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-schema.json
x-enrichment:
  date: '2026-10-20'
  status: enriched
  artifacts_added: 24
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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