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 18 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.8/100 thin ▬ flat Agent 25/100 agent aware Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company Payments Fintech Collection

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 27.8/100 · thin

Contract Quality 10.5 / 19

Developer Ergonomics 1.3 / 15

Access Clarity 4.5 / 15

Operational Transparency 0.0 / 10

Contract Governance 2.0 / 9

Discoverability 4.0 / 8

Regulatory Posture 1.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 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

MCP Tool Quality 6 / 6

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 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/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<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>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

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 Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →

7 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 8.9 — up to +18.2 composite points Ask about this →
Access Clarity scores 29.8 — up to +14.0 composite points Ask about this →
Operational Transparency scores 0.0 — up to +13.0 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/hypto/apis.yml: open an issue on github.com/api-evangelist/hypto 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 →

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 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

Agent Skills 2

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

hypto-create-and-fetch-virtual-account

AGENT SKILL

hypto-fund-transfer-and-status

AGENT SKILL

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Hypto

7 quoted statements, read from Hypto's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Hypto

16 quoted statements, read from Hypto's own page on 2026-11-09.

PRIVACY

Eligibility 1

Who may sign up and where, quoted from its own terms.

Hypto

3 quoted statements, read from Hypto's own page on 2026-11-09.

ELIGIBILITY

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Hypto

1 quoted statement, read from Hypto's own page on 2026-11-09.

LICENSE

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. Counts are the severity each rule declares, not results of running them.

Hypto API Rules

8 rules · 6 error-severity 1 warn-severity 1 info-severity

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 (API Evangelist recommendations) 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 4

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

UsageTerms

DataLicense

Company 1

The organization behind the API

Website

Website

Other 4

Properties that don't map to a standard resource type

Hosts

Vendors

DataProcessing

Eligibility

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)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-13'
  method: derived
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/
- type: UsageTerms
  url: terms/hypto-terms-of-service.yml
- type: DataProcessing
  url: privacy/hypto-privacy-policy.yml
- type: Eligibility
  url: eligibility/hypto-eligibility.yml
- type: DataLicense
  url: data-license/hypto-data-license.yml
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-bank-verification-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
- 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
- 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
- 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-upi-schema.json
  - type: JSONSchema
    url: json-schema/hypto-upi-verification-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
- 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-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

Hypto API — frequently asked questions

Does Hypto have an API?

Yes. APIs.io lists 7 APIs from Hypto, including Hypto Banking API, Hypto Generate QR API and Hypto Payments API, and 4 more.

Is there an OpenAPI specification for the Hypto API?

Yes. APIs.io indexes 7 OpenAPI specifications for Hypto, each linked for download from this page.

Is the Hypto API ready for AI agents?

Hypto has a Kin Score of 27.8 out of 100 (thin) and an Agent Readiness score of 24.8 (agent-aware), scored by API Evangelist on 2026-11-13.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

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.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/hypto"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/hypto/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/hypto/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.