# Mamo

**Canonical:** https://apis.io/providers/mamo/  
**Website:** https://mamopay.com  
**APIs profiled:** 12

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.

## Kin Score — 59.6 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 59.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 72.6 |
| Governance | 20.8 |
| Operational Transparency | 47.4 |
| Developer Ergonomics | 66.8 |
| Commercial Clarity | 60.5 |

Regulatory layer — **Payments**: 54.7 (matched via tags).

## Agent readiness — 40.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| 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 (12)

- **Mamo Business Details API** — The Business Details API from Mamo — 2 operation(s) for business details.
- **Mamo Cards API** — The Cards API from Mamo — 5 operation(s) for cards.
- **Mamo Expenses API** — The Expenses API from Mamo — 1 operation(s) for expenses.
- **Mamo Getting Started API** — The Getting Started API from Mamo — 1 operation(s) for getting started.
- **Mamo Invoices API** — The Invoices API from Mamo — 1 operation(s) for invoices.
- **Mamo Payment Links API** — The Payment Links API from Mamo — 2 operation(s) for payment links.
- **Mamo Payouts API** — The Payouts API from Mamo — 2 operation(s) for payouts.
- **Mamo Receipts API** — The Receipts API from Mamo — 2 operation(s) for receipts.
- **Mamo Recipients API** — The Recipients API from Mamo — 2 operation(s) for recipients.
- **Mamo Subscriptions API** — The Subscriptions API from Mamo — 6 operation(s) for subscriptions.
- **Mamo Transactions API** — The Transactions API from Mamo — 7 operation(s) for transactions.
- **Mamo Webhooks API** — The Webhooks API from Mamo — 2 operation(s) for webhooks.

## MCP servers (1)

- **mamo-mcp.yml**

## Security (4)

- **Mamo Authentication** — http · 1 scheme
- **Mamo Domain Security** — TLSv1.3 · HSTS · DMARC
- **Mamo Vulnerability Disclosure** — disclosure policy published
- **Mamo Trust Center** — PCI DSS

## Tags

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

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