Mamo

Mamo is a UAE-based fintech platform (Mamo Pay / Mamo Business) offering integrated payment solutions for businesses across the Gulf. Its products include hosted payment links and checkout, subscriptions and recurring billing, merchant-initiated charges with saved cards, refunds/captures/holds, invoicing, global payouts and disbursements to recipients, virtual and physical corporate cards with expense management, and partner cards for instant payouts. The Mamo Business API is a REST/JSON API hosted on readme.io that lets merchants automate payment link generation, charges, subscriptions, disbursements, recipients, card transactions, expenses, and webhooks. The platform serves 4,000+ businesses and has processed over AED 12 billion in total payment volume.

Mamo publishes 12 APIs on the APIs.io network, including Business Details API, Cards API, Expenses API, and 9 more. Tagged areas include Company, Payments, Fintech, Payment Links, and Subscription.

The Mamo catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Mamo’s developer surface includes documentation, API reference, getting-started guide, authentication, changelog, support, engineering blog, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.3/100 strong ▬ flat Agent 33/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

1 APIs

Company Payments Fintech Payment Links Subscription Corporate Cards Payouts Expense Management UAE Middle East

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 56.3/100 · strong

Contract Quality 14.6 / 21

Developer Ergonomics 7.2 / 17

Access Clarity 9.2 / 17

Operational Transparency 3.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 11.3 / 15

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

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.

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/mamo: 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 →

APIs 12

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

Open Collections 13

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Build 2

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

DomainSecurity

Authentication

TrustCenter

Compliance

Operate 5

Status, limits, changes, and where to get help

ChangeLog

StatusPage

Support

HelpCenter

ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: mamo
name: Mamo
description: Mamo is a UAE-based fintech platform (Mamo Pay / Mamo Business) offering integrated payment solutions for businesses
  across the Gulf. Its products include hosted payment links and checkout, subscriptions and recurring billing, merchant-initiated
  charges with saved cards, refunds/captures/holds, invoicing, global payouts and disbursements to recipients, virtual and
  physical corporate cards with expense management, and partner cards for instant payouts. The Mamo Business API is a REST/JSON
  API hosted on readme.io that lets merchants automate payment link generation, charges, subscriptions, disbursements, recipients,
  card transactions, expenses, and webhooks. The platform serves 4,000+ businesses and has processed over AED 12 billion in
  total payment volume.
url: https://raw.githubusercontent.com/api-evangelist/mamo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
image: https://cdn.prod.website-files.com/62662ec945767b19355b5c00/695f9da901d5bfde3a81193b_Website%20thumbnail2.png
tags:
- Company
- Payments
- Fintech
- Payment Links
- Subscription
- Corporate Cards
- Payouts
- Expense Management
- UAE
- Middle East
tags_raw:
- Company
- Payments
- Fintech
- Payment Links
- Subscriptions
- Corporate Cards
- Payouts
- Expense Management
- UAE
- Middle East
apis:
- aid: mamo:mamo-business-details-api
  name: Mamo Business Details API
  description: The Business Details API from Mamo — 2 operation(s) for business details.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Business Details
  properties:
  - type: OpenAPI
    url: openapi/mamo-business-details-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-cards-api
  name: Mamo Cards API
  description: The Cards API from Mamo — 5 operation(s) for cards.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/mamo-cards-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-expenses-api
  name: Mamo Expenses API
  description: The Expenses API from Mamo — 1 operation(s) for expenses.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Expenses
  properties:
  - type: OpenAPI
    url: openapi/mamo-expenses-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-getting-started-api
  name: Mamo Getting Started API
  description: The Getting Started API from Mamo — 1 operation(s) for getting started.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Getting Started
  properties:
  - type: OpenAPI
    url: openapi/mamo-getting-started-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-invoices-api
  name: Mamo Invoices API
  description: The Invoices API from Mamo — 1 operation(s) for invoices.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/mamo-invoices-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-payment-links-api
  name: Mamo Payment Links API
  description: The Payment Links API from Mamo — 2 operation(s) for payment links.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Payment Links
  properties:
  - type: OpenAPI
    url: openapi/mamo-payment-links-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-payouts-api
  name: Mamo Payouts API
  description: The Payouts API from Mamo — 2 operation(s) for payouts.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/mamo-payouts-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-receipts-api
  name: Mamo Receipts API
  description: The Receipts API from Mamo — 2 operation(s) for receipts.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Receipts
  properties:
  - type: OpenAPI
    url: openapi/mamo-receipts-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-recipients-api
  name: Mamo Recipients API
  description: The Recipients API from Mamo — 2 operation(s) for recipients.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Recipients
  properties:
  - type: OpenAPI
    url: openapi/mamo-recipients-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-subscriptions-api
  name: Mamo Subscriptions API
  description: The Subscriptions API from Mamo — 6 operation(s) for subscriptions.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Subscription
  tags_raw:
  - Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/mamo-subscriptions-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-transactions-api
  name: Mamo Transactions API
  description: The Transactions API from Mamo — 7 operation(s) for transactions.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/mamo-transactions-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
- aid: mamo:mamo-webhooks-api
  name: Mamo Webhooks API
  description: The Webhooks API from Mamo — 2 operation(s) for webhooks.
  humanURL: https://mamopay.readme.io/reference/get_
  baseURL: https://business.mamopay.com/manage_api/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/mamo-webhooks-api-openapi.yml
  - type: Authentication
    url: authentication/mamo-authentication.yml
  - type: Conventions
    url: conventions/mamo-conventions.yml
  - type: ErrorCatalog
    url: errors/mamo-problem-types.yml
  - type: DeclineCodes
    url: errors/mamo-decline-codes.yml
  - type: DataModel
    url: data-model/mamo-data-model.yml
  - type: Webhooks
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: AsyncAPI
    url: asyncapi/mamo-webhooks-asyncapi.yml
  - type: Conformance
    url: conformance/mamo-conformance.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: X-MCPServerCandidate
  url: mcp/mamo-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Overlay
  url: overlays/mamo-openapi-overlay.yaml
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/mamo/overview
- type: VulnerabilityDisclosure
  url: security/mamo-vulnerability-disclosure.yml
- type: Security
  url: https://www.mamopay.com/security
- type: DomainSecurity
  url: security/mamo-domain-security.yml
- type: Website
  url: https://mamopay.com
- type: DeveloperPortal
  url: https://mamopay.readme.io/
- type: Documentation
  url: https://mamopay.readme.io/reference/get_
- type: APIReference
  url: https://mamopay.readme.io/reference/get_
- type: GettingStarted
  url: https://mamopay.readme.io/reference/get_
- type: Authentication
  url: https://mamopay.readme.io/reference/authentication
- type: ChangeLog
  url: https://mamopay.readme.io/reference/changelog
- type: StatusPage
  url: https://mamo.instatus.com/
- type: Support
  url: https://help.mamopay.com/en/
- type: HelpCenter
  url: https://help.mamopay.com/en/collections/7614470-developers
- type: Blog
  url: https://mamopay.com/blog
- type: Pricing
  url: https://mamopay.com/pricing
- type: SignUp
  url: https://dashboard.mamopay.com/onboarding/signup
- type: Login
  url: https://dashboard.mamopay.com/
- type: TermsOfService
  url: https://mamopay.com/legal/terms-business
- type: PrivacyPolicy
  url: https://mamopay.com/legal/privacy
- type: LLMsTxt
  url: llms/mamo-llms.txt
- type: Sandbox
  url: sandbox/mamo-sandbox.yml
- type: Lifecycle
  url: lifecycle/mamo-lifecycle.yml
- type: ChangeLog
  url: changelog/mamo-changelog.yml
- type: AgentSkill
  url: skills/_index.yml
- type: GitHubOrganization
  url: https://github.com/mamopay
- type: TrustCenter
  url: security/mamo-trust-center.yml
- type: Compliance
  url: https://www.mamopay.com/security
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 21
  pass: local-v1

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