Moneris

Moneris (Moneris Solutions Corporation) is Canada's largest payment processor and merchant-acquiring company, founded in December 2000 as a joint venture equally owned by Royal Bank of Canada (RBC) and Bank of Montreal (BMO). It is a payment-technology and card-acquiring company rather than a deposit-taking Schedule I bank, sitting in the payments-infrastructure layer of Canadian financial services: it serves roughly 325,000 points of commerce, processes close to five billion transactions a year, and handles on the order of one in three Canadian card transactions. In 2025-2026 RBC and BMO explored a sale of the venture, with Francisco Partners (owner of Verifone) reported as the lead buyer. Unlike its bank owners, Moneris is not subject to Canada's coming Consumer-Driven Banking framework; its "open" surface is a commercial, self-serve first-party developer program. Moneris runs a real, public developer portal at developer.moneris.com documenting the Moneris Unified API (REST, OpenAPI 3.0.3, hosts api.moneris.io production / api.sb.moneris.io sandbox) covering payments, tokenized payment methods, refunds, recurring billing/subscriptions, 3-D Secure, Kount fraud/risk, disputes, multi-currency pricing, and third-party merchant onboarding, secured with OAuth 2.0 client credentials and API keys, with a published Postman workspace.

Moneris publishes 10 APIs on the APIs.io network, including Payments API, Payment Methods API, Refunds API, and 7 more. Tagged areas include Financial Services, Payments, Payment Processing, Card Payments, and Merchant Services.

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

Moneris’ developer surface includes authentication, sandbox, getting-started guide, changelog, signup flow, documentation, engineering blog, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub
58.7/100 developing ▬ flat Agent 84/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
10 APIs 1 MCP Servers
Financial ServicesPaymentsPayment ProcessingCard PaymentsMerchant ServicesAcquiringCanadaFintechInfrastructure

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 58.7/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 14.3 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 5.8 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 84/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/moneris: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

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

Moneris Payments API

Create, retrieve, list, cancel, complete, and increment card payments (purchase, pre-authorization/completion, incremental and multiple completions) on the Moneris Unified API.

Moneris Payment Methods API

Tokenize and manage stored payment methods (payment tokens) for purchase-with-token and card-on-file flows.

Moneris Refunds API

Create, retrieve, and list payment refunds and independent refunds against processed transactions.

Moneris Subscriptions API

Recurring-billing subscriptions - create, update, pause, resume, extend, and cancel - with recurring-payment webhook events.

Moneris Customers API

Create, retrieve, list, update, and delete customer records used to associate stored payment methods and subscriptions.

Moneris 3-D Secure Authentication API

3-D Secure cardholder authentication (browser and requestor-initiated channels), including authentication value lookup for the challenge flow.

Moneris Kount Risk Inquiry API

Fraud and risk scoring through Kount - create, list, retrieve, and assert Kount inquiries for transaction risk decisioning.

Moneris Merchant Onboarding API

Third-party merchant onboarding and updating, terminal & service ordering, order-status tracking, supplies, and product recommendations for partners and ISVs.

Moneris Multi-Currency Pricing API

Foreign-currency exchange-rate lookup and rate retrieval to lock a rate for a subsequent Multi-Currency Pricing (MCP) transaction.

Moneris Disputes API

Chargeback and dispute handling - accept a dispute, retrieve dispute details, upload response documents, and check image-upload status.

Scroll for all 10

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

moneris-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Moneris Subscriptions Webhooks

ASYNCAPI

Security Posture 2

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

Moneris Authentication

apiKey/oauth2 · 2 schemes

SECURITY

Moneris Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Moneris Scopes

14 scopes · clientCredentials

14 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Moneris Agentic Access

54 operations · 33 acting

54 operations · 33 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 GettingStarted
GettingStarted
 SignUp
SignUp
 DeveloperPortal
DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 Webhooks
Webhooks
 DataModel
DataModel

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

DeclineCodes
DeclineCodes
 Postman
Postman
 GitHubOrganization
GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 OAuthScopes
OAuthScopes
 Authentication
Authentication
 Compliance
Compliance

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 ChangeLog
ChangeLog
 Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Registration
Registration

Source (apis.yml)

apis.yml Raw ↑ 
aid: moneris
url: https://raw.githubusercontent.com/api-evangelist/moneris/refs/heads/main/apis.yml
name: Moneris
kind: company
description: 'Moneris (Moneris Solutions Corporation) is Canada''s largest payment processor and merchant-acquiring company,
  founded in December 2000 as a joint venture equally owned by Royal Bank of Canada (RBC) and Bank of Montreal (BMO). It is
  a payment-technology and card-acquiring company rather than a deposit-taking Schedule I bank, sitting in the payments-infrastructure
  layer of Canadian financial services: it serves roughly 325,000 points of commerce, processes close to five billion transactions
  a year, and handles on the order of one in three Canadian card transactions. In 2025-2026 RBC and BMO explored a sale of
  the venture, with Francisco Partners (owner of Verifone) reported as the lead buyer. Unlike its bank owners, Moneris is
  not subject to Canada''s coming Consumer-Driven Banking framework; its "open" surface is a commercial, self-serve first-party
  developer program. Moneris runs a real, public developer portal at developer.moneris.com documenting the Moneris Unified
  API (REST, OpenAPI 3.0.3, hosts api.moneris.io production / api.sb.moneris.io sandbox) covering payments, tokenized payment
  methods, refunds, recurring billing/subscriptions, 3-D Secure, Kount fraud/risk, disputes, multi-currency pricing, and third-party
  merchant onboarding, secured with OAuth 2.0 client credentials and API keys, with a published Postman workspace.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Payments
- Payment Processing
- Card Payments
- Merchant Services
- Acquiring
- Canada
- Fintech
- Infrastructure
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: moneris:moneris-payments-api
  name: Moneris Payments API
  description: Create, retrieve, list, cancel, complete, and increment card payments (purchase, pre-authorization/completion,
    incremental and multiple completions) on the Moneris Unified API.
  humanURL: https://developer.moneris.com/moneris-api/docs/purchase
  baseURL: https://api.moneris.io
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: Overlay
    url: overlays/moneris-unified-api-overlay.yaml
  - type: ToolCrosswalk
    url: mcp/moneris-tool-crosswalk.yml
  - type: Documentation
    url: https://developer.moneris.com/moneris-api/docs/purchase
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/getpayments
- aid: moneris:moneris-payment-methods-api
  name: Moneris Payment Methods API
  description: Tokenize and manage stored payment methods (payment tokens) for purchase-with-token and card-on-file flows.
  humanURL: https://developer.moneris.com/moneris-api/docs/purchase-with-payment-token
  baseURL: https://api.moneris.io
  tags:
  - Payment Methods
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: Documentation
    url: https://developer.moneris.com/moneris-api/docs/purchase-with-payment-token
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/getpaymentmethods
- aid: moneris:moneris-refunds-api
  name: Moneris Refunds API
  description: Create, retrieve, and list payment refunds and independent refunds against processed transactions.
  humanURL: https://developer.moneris.com/moneris-api/reference/getrefunds
  baseURL: https://api.moneris.io
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/getrefunds
- aid: moneris:moneris-subscriptions-api
  name: Moneris Subscriptions API
  description: Recurring-billing subscriptions - create, update, pause, resume, extend, and cancel - with recurring-payment
    webhook events.
  humanURL: https://developer.moneris.com/moneris-api/docs/recurring-billing
  baseURL: https://api.moneris.io
  tags:
  - Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: Documentation
    url: https://developer.moneris.com/moneris-api/docs/recurring-billing
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/getsubscriptions
- aid: moneris:moneris-customers-api
  name: Moneris Customers API
  description: Create, retrieve, list, update, and delete customer records used to associate stored payment methods and subscriptions.
  humanURL: https://developer.moneris.com/moneris-api/reference/getcustomers
  baseURL: https://api.moneris.io
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/getcustomers
- aid: moneris:moneris-3d-secure-api
  name: Moneris 3-D Secure Authentication API
  description: 3-D Secure cardholder authentication (browser and requestor-initiated channels), including authentication value
    lookup for the challenge flow.
  humanURL: https://developer.moneris.com/moneris-api/docs/3ds-browser
  baseURL: https://api.moneris.io
  tags:
  - 3D Secure
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: Documentation
    url: https://developer.moneris.com/moneris-api/docs/3ds-browser
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/createauthentication
- aid: moneris:moneris-kount-risk-api
  name: Moneris Kount Risk Inquiry API
  description: Fraud and risk scoring through Kount - create, list, retrieve, and assert Kount inquiries for transaction risk
    decisioning.
  humanURL: https://developer.moneris.com/moneris-api/docs/risk-inquiry-kount
  baseURL: https://api.moneris.io
  tags:
  - Kount
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: Documentation
    url: https://developer.moneris.com/moneris-api/docs/risk-inquiry-kount
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/createkountinquiry
- aid: moneris:moneris-merchant-onboarding-api
  name: Moneris Merchant Onboarding API
  description: Third-party merchant onboarding and updating, terminal & service ordering, order-status tracking, supplies,
    and product recommendations for partners and ISVs.
  humanURL: https://developer.moneris.com/moneris-api/docs/onboarding-and-updating
  baseURL: https://api.moneris.io
  tags:
  - Merchant Onboarding
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: Documentation
    url: https://developer.moneris.com/moneris-api/docs/onboarding-and-updating
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/createmerchant
- aid: moneris:moneris-multi-currency-pricing-api
  name: Moneris Multi-Currency Pricing API
  description: Foreign-currency exchange-rate lookup and rate retrieval to lock a rate for a subsequent Multi-Currency Pricing
    (MCP) transaction.
  humanURL: https://developer.moneris.com/moneris-api/docs/multi-currency-pricing
  baseURL: https://api.moneris.io
  tags:
  - Multi-Currency Pricing Rate Lookup
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: Documentation
    url: https://developer.moneris.com/moneris-api/docs/multi-currency-pricing
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/mcprate
- aid: moneris:moneris-disputes-api
  name: Moneris Disputes API
  description: Chargeback and dispute handling - accept a dispute, retrieve dispute details, upload response documents, and
    check image-upload status.
  humanURL: https://developer.moneris.com/moneris-api/reference/getdisputebycaseidandrecordnumber
  baseURL: https://api.moneris.io
  tags:
  - Disputes
  properties:
  - type: OpenAPI
    url: openapi/moneris-unified-api-openapi.json
  - type: APIReference
    url: https://developer.moneris.com/moneris-api/reference/getdisputebycaseidandrecordnumber
common:
- type: DomainSecurity
  url: security/moneris-domain-security.yml
- type: AgenticAccess
  url: agentic-access/moneris-agentic-access.yml
- type: OAuthScopes
  url: scopes/moneris-scopes.yml
- type: Authentication
  url: authentication/moneris-authentication.yml
- type: MCPServer
  url: mcp/moneris-mcp.yml
- type: Conventions
  url: conventions/moneris-conventions.yml
- type: Idempotency
  url: conventions/moneris-conventions.yml
- type: ErrorCatalog
  url: errors/moneris-problem-types.yml
- type: DeclineCodes
  url: errors/moneris-decline-codes.yml
- type: Lifecycle
  url: lifecycle/moneris-lifecycle.yml
- type: StatusPage
  url: https://status.moneris.com
- type: Conformance
  url: conformance/moneris-conformance.yml
- type: Compliance
  url: https://www.moneris.com/en/support/compliance-and-security/pci-data-security
- type: Webhooks
  url: asyncapi/moneris-subscriptions-webhooks.yml
- type: DataModel
  url: data-model/moneris-data-model.yml
- type: Sandbox
  url: sandbox/moneris-sandbox.yml
- type: WellKnown
  url: well-known/moneris-well-known.yml
- type: LLMsTxt
  url: llms/moneris-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: GettingStarted
  url: https://developer.moneris.com/moneris-api/docs/getting-started-guide
- type: ChangeLog
  url: https://developer.moneris.com/changelog
- type: SignUp
  url: https://developer.moneris.com/login
- type: Website
  url: https://www.moneris.com
- type: DeveloperPortal
  url: https://developer.moneris.com
- type: Documentation
  url: https://developer.moneris.com/moneris-api/docs/introduction
- type: Registration
  url: https://developer.moneris.com/login
- type: Postman
  url: https://www.postman.com/moneris
- type: GitHubOrganization
  url: https://github.com/moneris
- type: LinkedIn
  url: https://www.linkedin.com/company/moneris
- type: Blog
  url: https://www.moneris.com/en/blog
- type: TermsOfService
  url: https://www.moneris.com/en/legal/terms-of-use
- type: PrivacyPolicy
  url: https://www.moneris.com/en/legal/privacy-policy
- type: Support
  url: https://www.moneris.com/en/support/contact
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com