Ifthenpay

Ifthenpay provides digital payment solutions for businesses, offering methods such as Multibanco Reference, MB WAY, PayShop, credit cards, Google Pay, Apple Pay, and Pix. The service has no monthly fees or membership costs and targets companies seeking easy integration of payment options. It emphasizes simplicity, security, and local payment methods popular in Portugal, aiming to streamline transactions for merchants and developers alike.

Ifthenpay is listed with 1 API on the APIs.io network. Tagged areas include Payments, Fintech, E-Commerce, Point-of-Sale, and Direct Debits.

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

Ifthenpay’s developer surface includes sandbox, authentication, documentation, pricing, support, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

33.0/100 thin Agent 21/100 agent aware Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

1 API 1 MCP Servers

Payments Fintech E-Commerce Point-of-Sale Direct Debits Payment Gateway Digital Banking

Kin Score

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

Composite quality — 33.0/100 · thin

Contract Quality 5.6 / 21

Developer Ergonomics 7.3 / 17

Access Clarity 4.7 / 17

Operational Transparency 2.1 / 11

Contract Governance 3.6 / 10

Discoverability 5.5 / 9

Regulatory Posture 2.0 / 15

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 0 / 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 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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Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author 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 →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes 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 →

10 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 26.2 — up to +18.5 composite points Ask about this →
Access Clarity scores 27.7 — up to +14.5 composite points Ask about this →
Developer Ergonomics scores 42.9 — up to +11.4 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/ifthenpay-com/apis.yml: open an issue on github.com/api-evangelist/ifthenpay-com 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.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

APIs 1

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

Ifthenpay API

Ifthenpay API as documented publicly: 17 operations. Contract generated from the documentation by API Evangelist (2026-11-12); not the provider's own document.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Ifthenpay MCP Server

Remote MCP server at ai.ifthenpay.com.

MCP SERVER

Semantic Vocabularies 1

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

Ifthenpay Com Context

16 classes · 59 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.

Ifthenpay API Rules

43 rules · 40 error-severity 2 warn-severity 1 info-severity

SPECTRAL

JSON Schema 6

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

GetGetpaymentsjsonv2Response

13 properties

JSON SCHEMA

PostMultibancoReferenceInitRequest

11 properties

JSON SCHEMA

PostMultibancoReferenceInitResponse

8 properties

JSON SCHEMA

PostSpgPaymentMbwayRequest

7 properties

JSON SCHEMA

PostV2PaymentsReadRequest

11 properties

JSON SCHEMA

PostV2PaymentsReadResponse

3 properties

JSON SCHEMA

Security Posture 2

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

Ifthenpay Authentication

1 scheme

SECURITY

Ifthenpay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

Login

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Pricing

Pricing

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: ifthenpay-com
name: Ifthenpay
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-13'
  method: derived
image: https://www.ifthenpay.com/images/seo/ifthenpay.jpg
description: Ifthenpay provides digital payment solutions for businesses, offering methods such as Multibanco Reference, MB
  WAY, PayShop, credit cards, Google Pay, Apple Pay, and Pix. The service has no monthly fees or membership costs and targets
  companies seeking easy integration of payment options. It emphasizes simplicity, security, and local payment methods popular
  in Portugal, aiming to streamline transactions for merchants and developers alike.
url: https://artifacts.apis.io/ifthenpay-com/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-12 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-12'
modified: '2026-11-12'
tags:
- Payments
- Fintech
- E-Commerce
- Point-of-Sale
- Direct Debits
- Payment Gateway
- Digital Banking
tags_raw:
- Payments
- Fintech
- E‑commerce
- POS
- Direct Debits
- Payment Gateway
- Digital Banking
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/ifthenpay-com-rules.yml
- type: JSONLD
  url: json-ld/ifthenpay-com-context.jsonld
- type: Vocabulary
  url: vocabulary/ifthenpay-com-vocabulary.yml
- type: DataModel
  url: data-model/ifthenpay-com-data-model.yml
- type: Sandbox
  url: sandbox/ifthenpay-com-sandbox.yml
- type: Authentication
  url: authentication/ifthenpay-com-authentication.yml
- type: Conformance
  url: conformance/ifthenpay-com-conformance.yml
- type: LLMsTxt
  url: llms/ifthenpay-com-llms.txt
- type: MCPServer
  url: mcp/ifthenpay-com-mcp.yml
- type: Hosts
  url: hosts/ifthenpay-com-hosts.yml
- type: Vendors
  url: vendors/ifthenpay-com-vendors.yml
- type: StatusPage
  url: https://status.ifthenpay.com/
- type: PrivacyPolicy
  url: https://ifthenpay.com/privacy-policy
- type: Login
  url: https://backoffice.ifthenpay.com/Account/Login
- type: GitHubOrganization
  url: https://github.com/ifthenpay
- type: DomainSecurity
  url: security/ifthenpay-com-domain-security.yml
- type: Website
  url: https://ifthenpay.com/
- type: Documentation
  url: https://www.ifthenpay.com/docs/en/
- type: Pricing
  url: https://ifthenpay.com/?lang=en#pricing
- type: Support
  url: https://helpdesk.ifthenpay.com
- type: DeveloperPortal
  url: https://ifthenpay.com/?lang=en#developers
apis:
- aid: ifthenpay-com:ifthenpay-com-api
  name: Ifthenpay API
  description: 'Ifthenpay API as documented publicly: 17 operations. Contract generated from the documentation by API Evangelist
    (2026-11-12); not the provider''s own document.'
  humanURL: https://www.ifthenpay.com/docs/en/api/pbl
  baseURL: https://api.ifthenpay.com
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/ifthenpay-com-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/ifthenpay-com-post-v2-payments-read-response-schema.json
  - type: JSONSchema
    url: json-schema/ifthenpay-com-get-getpaymentsjsonv2-response-schema.json
  - type: JSONSchema
    url: json-schema/ifthenpay-com-post-v2-payments-read-request-schema.json
  - type: JSONSchema
    url: json-schema/ifthenpay-com-post-multibanco-reference-init-request-schema.json
  - type: JSONSchema
    url: json-schema/ifthenpay-com-post-multibanco-reference-init-response-schema.json
  - type: JSONSchema
    url: json-schema/ifthenpay-com-post-spg-payment-mbway-request-schema.json
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: Documentation is public but no OpenAPI, AsyncAPI, GraphQL, gRPC, or WSDL contracts were found after exhaustive probing.
  evidence:
  - url: https://api.ifthenpay.com/openapi.json
    status: 404
  checked: '2026-11-12'
x-enrichment:
  date: '2026-11-12'
  status: enriched
  artifacts_added: 24
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Ifthenpay API — frequently asked questions

Does Ifthenpay have an API?

Yes. APIs.io lists 1 API from Ifthenpay, including Ifthenpay API.

Is there an OpenAPI specification for the Ifthenpay API?

Yes. APIs.io indexes 1 OpenAPI specification for Ifthenpay, each linked for download from this page.

How do I authenticate with the Ifthenpay API?

Ifthenpay uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Ifthenpay Authentication.

Does Ifthenpay have an MCP server?

Yes. APIs.io lists 1 MCP server for Ifthenpay: Remote MCP server at ai.ifthenpay.com.

Is the Ifthenpay API ready for AI agents?

Ifthenpay has a Kin Score of 33.0 out of 100 (thin) and an Agent Readiness score of 21.0 (agent-aware), scored by API Evangelist on 2026-11-13.

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