Innoviti

Innoviti Technologies Pvt. Ltd. is a Bengaluru-based payment technology company and RBI-authorized payment aggregator (online and, since January 2026, in-store) operating under India's Payment & Settlements Act 2007. Founded in 2002, Innoviti builds collections, reconciliation, and revenue-assurance infrastructure for large organized retail. Its products include innoviti unipay (an enterprise payment and reconciliation platform for omnichannel settlements and leakage control), innoviti genie (a sales acceleration and dealer-margin platform for mobile and electronics retail), and innoviti link (a POS-free mobile collection app accepting cards, UPI, and EMI). The company serves enterprise retailers including Samsung, Reliance Retail, Tanishq, Shoppers Stop, and More Retail, holds multiple payment-communication patents, and maintains PCI DSS, PCI P2PE, and PCI PIN certifications. Added to the API Evangelist network as a fintech portfolio lead; no public developer portal, OpenAPI, or self-serve API documentation was found during enrichment.

Innoviti is profiled on the APIs.io network. Tagged areas include Company, Fintech, Payments, Payment Aggregator, and Point-of-Sale.

Innoviti’s developer surface includes engineering blog, support, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.3/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech PaymentsPayment AggregatorPoint-of-Sale Retail UPI India

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 15.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 4.3 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.3 / 9

Regulatory Posture 6.6 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 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

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/.

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/innoviti: 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 →

Security Posture 1

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

Innoviti Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: innoviti
name: Innoviti
description: Innoviti Technologies Pvt. Ltd. is a Bengaluru-based payment technology company and RBI-authorized payment aggregator
  (online and, since January 2026, in-store) operating under India's Payment & Settlements Act 2007. Founded in 2002, Innoviti
  builds collections, reconciliation, and revenue-assurance infrastructure for large organized retail. Its products include
  innoviti unipay (an enterprise payment and reconciliation platform for omnichannel settlements and leakage control), innoviti
  genie (a sales acceleration and dealer-margin platform for mobile and electronics retail), and innoviti link (a POS-free
  mobile collection app accepting cards, UPI, and EMI). The company serves enterprise retailers including Samsung, Reliance
  Retail, Tanishq, Shoppers Stop, and More Retail, holds multiple payment-communication patents, and maintains PCI DSS, PCI
  P2PE, and PCI PIN certifications. Added to the API Evangelist network as a fintech portfolio lead; no public developer portal,
  OpenAPI, or self-serve API documentation was found during enrichment.
url: https://raw.githubusercontent.com/api-evangelist/innoviti/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://innoviti.com/Innoviti-logo.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- bessemer-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Payments
- Payment Aggregator
- Point-of-Sale
- Retail
- UPI
- India
tags_raw:
- Company
- Fintech
- Payments
- Payment Aggregator
- Point of Sale
- Retail
- UPI
- India
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://innoviti.com/
- type: Blog
  url: https://innoviti.com/blogs
- type: Support
  url: https://innoviti.com/contact/
- type: PrivacyPolicy
  url: https://innoviti.com/privacy-policy/
- type: Login
  url: https://sparcs.innoviti.com/
- type: DomainSecurity
  url: security/innoviti-domain-security.yml
- type: Conformance
  url: conformance/innoviti-conformance.yml
- type: Compliance
  url: https://innoviti.com/about-us
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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