# JustiFi **Canonical:** https://apis.io/providers/justifi/ **Website:** https://www.justifi.ai **APIs profiled:** 27 JustiFi is an embedded-payments and PayFac-as-a-service platform that lets SaaS companies add payment processing to their software. Its REST API (base https://api.justifi.ai/v1) plus StencilJS web components handle sub-merchant onboarding, card and bank-account tokenization, payments, refunds, disputes, payouts, proceeds, checkouts, and card-present terminals, while JustiFi carries the PCI-DSS Level 1, SOC 2, and GDPR compliance burden. Authentication is OAuth 2.0 client-credentials yielding 24-hour Bearer tokens, with idempotent money movement, cursor pagination, and webhook events. Backed by Emergence Capital. ## Kin Score — 50.1 / 100 (developing) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (-1.9 from 52.0). | Facet | Score | |---|---| | Discoverability | 63.0 | | Contract Quality | 55.2 | | Governance | 30.3 | | Contract Governance | 30.3 | | Operational Transparency | 18.4 | | Developer Ergonomics | 75.6 | | Commercial Clarity | 28.9 | | Access Clarity | 28.9 | Regulatory layer — **Payments**: 53.1 (matched via tags). ## Agent readiness — 43.4 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | verified | | MCP Server | no | | Auth Clarity | yes | | Idempotency | documented | | Error Semantics | no | | OpenAPI Examples | verified | | Rate Limit Signal | no | | Event Surface Described | derived | | Agent Skills | derived | | Well Known Catalog | no | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## Access Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium). ## APIs (27) - **JustiFi Ach Return Fees API** — ACH return fees are fees charged by financial institutions when an ACH (Automated Clearing House) transaction is returned due to insufficient funds or other reasons. If an ACH t... - **JustiFi Address API** — Creating an Address entity provides the necessary information to identify and locate a physical address. It may be associated with an Identity entity or Business entity to provi... - **JustiFi API Credentials API** — The API Credentials API from JustiFi — 1 operation(s) for api credentials. - **JustiFi Balance Transactions API** — Balance transactions are the reflection of any movement of funds that affects the balance of an account. Oftentimes, a single financial transaction (like a payment) will result ... - **JustiFi Bank Account API** — Create/manage bank accounts for your businesses. These accounts are used for paying out earnings for usage of various products, for example card processing. - **JustiFi Bind Insurance API** — The Bind Insurance API from JustiFi — 1 operation(s) for bind insurance. - **JustiFi Business API** — Creating a business entity is an essential step in integrating your business operations with JustiFi. It is also necessary to comply with local laws and regulations governing yo... - **JustiFi Checkouts API** — Checkouts can be used to collect payments directly via API, or using our Checkout component. You can use a checkout to complete a payment via JustiFi, via BNPL, via terminal, an... - **JustiFi Disputes API** — A customer may dispute their payment with the card issuer/bank if they believe the charge is erroneous. When this happens, a dispute record is created and associated with their ... - **JustiFi Document API** — Create/manage documents attached to your businesses and identities. When a document record is created using this API the response object returns a presigned url used to upload t... - **JustiFi Fee Configurations API** — Standard Fee Configurations allow platforms to set per-sub-account fee rates that are automatically applied at payment time. Configurations are managed per fee type — creating a... - **JustiFi Identity API** — Creating an identity establishes a unique identification for people associated with your business. Accurately providing your information is crucial in ensuring that your identit... - **JustiFi Payment Method Groups API** — Payment method groups are a way to associate payment methods to a single group for easy access. - **JustiFi Payment Methods API** — Payment methods refer to the specific form of payment each customer uses (e.g. their credit card). Payment methods are tokenized, then charged at time of payment. - **JustiFi Payments API** — To charge a payment method the desired amount, you'll use a payment. You can choose whether to charge a payment method that's already been tokenized or tokenize a new one when y... - **JustiFi Payout Holds API** — A payout hold is a resource that temporarily hold or pause payouts for a sub account. This feature is used for risk management, compliance, or business rule enforcement. Holds c... - **JustiFi Payouts API** — Each day, a payout containing that day's funds is automatically created for the purpose of distributing those funds to the active bank account. Payout amounts are calculated by ... - **JustiFi Proceeds API** — Proceeds represent your platform's take-home portion of the fees from your sub account's financial transactions. Proceeds are batched together according to the payout schedule c... - **JustiFi Provisioning API** — Provisioning API for Products serves as an automated interface to configure resources based on your current entities informations, for example creating an account for card proce... - **JustiFi Refunds API** — When you refund a payment, a refund object is created. You can retrieve information about the refunds you've issued. - **JustiFi Reports API** — Reports can be used to pull data for various different resources. They are CSV format, and can be filtered by date and sub account. Once a the create endpoint is called via POST... - **JustiFi Sub Accounts API** — Sub Accounts are the representation of your platform's customers for payment processing in JustiFi and are associated with your platform account. To gain approval for payment pr... - **JustiFi Terminals API** — JustiFi provides a card present solution which allows you to collect a payment via a terminal provider via one of our technology partners. To collect a payment via terminal, you... - **JustiFi Terminals Orders API** — Terminals Orders API for order management - **JustiFi Terms and Conditions API** — Legally binding rules and agreements that outline the rights, responsibilities, and limitations governing the use of the platform. - **JustiFi Voids API** — The Voids API from JustiFi — 1 operation(s) for voids. - **JustiFi Web Component Tokens API** — The Web Component Tokens API from JustiFi — 1 operation(s) for web component tokens. ## MCP servers (1) - **JustiFi MCP Server** ## Agentic access (1) - **Justifi Agentic Access** — 90 operations · 41 acting ## Security (2) - **Justifi Authentication** — oauth2/apiKey · 3 schemes - **Justifi Domain Security** — TLSv1.3 · DMARC ## Tags Company, Fintech, Payments, Embedded Payments, Payment Facilitation, Payouts, Developers --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/justifi/). Scores are computed from the provider's own public artifacts under a published rubric.