Moneris website screenshot

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
57.9/100 strong ▬ flat Agent 73/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
10 APIs 1 MCP Servers
Financial ServicesPaymentsPayment ProcessingCard PaymentsMerchant ServicesAcquiringCanadaFintechInfrastructure

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 57.9/100 · strong
Contract Quality 15.1 / 21
Developer Ergonomics 11.4 / 17
Commercial Clarity 7.2 / 17
Operational Transparency 4.9 / 11
Governance 2.1 / 10
Discoverability 7.9 / 9
Regulatory Posture 9.4 / 15
Agent readiness — 73/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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/. 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

Open Collections 1

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

Moneris API

OPEN COLLECTION

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