# Ipid

**Canonical:** https://apis.io/providers/ipid/  
**Website:** https://ipid.tech/  
**APIs profiled:** 0

iPiD (International Payments Identity) is a fintech providing real-time Know Your Payee (KYP) verification for cross-border and domestic payments. Its single, payment-rail-agnostic API lets banks, PSPs, and corporates validate bank account ownership and match payee names before funds move, reducing authorized push payment (APP) fraud, business email compromise losses, and failed transactions. Products include iPiD Validate (global payee / bank account verification with name-matching), iPiD Node (a scheme-compliance layer for EU Verification of Payee, UK Confirmation of Payee, FATF Recommendation 16, and US Nacha), and a Payment Agent agentic verification layer. Founded in 2021, iPiD is backed by QED Investors, Monk's Hill Ventures, Quona Capital, Jungle Ventures, Saison Capital, and others. Public API access is gated behind a sales/demo process; no machine-readable specification is published publicly.

## Kin Score — 11.8 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 11.8).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Payments**: 23.4 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Ipid Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Payments, Fraud Prevention, Identity Verification, Compliance, Cross-Border Payments, Know Your Payee, Fintech, Bank Account Verification

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ipid/). Scores are computed from the provider's own public artifacts under a published rubric.