Nopan

Nopan is a specialized Payment Service Provider (PSP), built by former merchants and Netflix payments leaders, focused exclusively on European account and wallet payment methods (Wero, BLIK, Bizum, Satispay, IRIS). It exposes a single standardized API for account-to-account (A2A) and wallet payments with conversion-optimized flows, PSP-agnostic tokenization for recurring and merchant-initiated payments, a multi-currency settlement and reconciliation engine, normalized transaction data, and a real-time monitoring Portal. Authentication is OAuth2 client_credentials over mutual TLS with JWS request signing. Nopan is licensed as a Payment Institution by De Nederlandsche Bank (DNB) and is PSD2/SCA compliant. Backed by Newion, Crane, and Seedcamp.

Nopan publishes 5 APIs on the APIs.io network, including Authentication APIs API, Payment Processing APIs API, Reporting APIs API, and 2 more. Tagged areas include Payments, Payment Service Provider, Account to Account, Wallet Payments, and Open Banking.

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

Nopan’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, engineering blog, support, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub
53.2/100 developing ▬ flat Agent 80/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
5 APIs 1 MCP Servers
PaymentsPayment Service ProviderAccount to AccountWallet PaymentsOpen BankingPSD2FintechEuropeTokenizationRecurring Payments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 53.2/100 · developing
Contract Quality 14.8 / 25
Developer Ergonomics 15.7 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 80/100 · 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 0 / 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/nopan: 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 5

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

Nopan Authentication APIs API

This section covers the endpoints required for securely obtaining OAuth 2.0 access tokens to interact with the Nopan API. These APIs support machine-to-machine (M2M) authenticat...

Nopan Payment Processing APIs API

This section provides a set of operations for initiating and managing payments through the Nopan API. These endpoints enable clients to request payments, handle SCA, and track t...

Nopan Reporting APIs API

This section provides endpoints for accessing and downloading financial reports generated by the Nopan platform. Reports are available for a range of types including transaction...

Nopan Testing APIs API

The Nopan API includes a sandbox environment and test endpoints to help developers safely simulate, mock and validate payment flows without processing real transactions. These t...

Nopan Webhooks API

API of the webhooks notifications Nopan will send if configured in the portal.

Arazzo Workflows 3

Multi-step API workflows described with the Arazzo specification.

_Index

ARAZZO

Nopan — accept and capture a payment

Authenticate, initiate a payment for SCA, finalize it, and capture funds.

ARAZZO

Nopan — refund a captured payment

Authenticate, refund a previously captured payment, and confirm via events.

ARAZZO

MCP Servers 1

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

nopan-mcp.yml

MCP SERVER

Event Specifications 1

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

Nopan Webhooks

ASYNCAPI

Security Posture 2

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

Nopan Authentication

oauth2/mutualTLS/http-bearer/jws-signing · 4 schemes

SECURITY

Nopan Domain Security

TLSv1.3 · HSTS · DNSSEC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Nopan Scopes

2 scopes · clientCredentials

2 scopes

SCOPES

Agentic Access 1

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

Nopan Agentic Access

16 operations · 12 acting

16 operations · 12 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 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

MCPServer
MCPServer
 AgentSkill
AgentSkill
 AgenticAccess
AgenticAccess

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

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

Scroll for all 9

Build 1

SDKs, sample code, and the tooling you integrate with

Postman
Postman

Access & Security 4

Authentication, authorization, and security posture

Authentication
Authentication
 OAuthScopes
OAuthScopes
 Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Blog
Blog
 LinkedIn
LinkedIn
 Website
Website

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: nopan
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nopan.png
name: Nopan
description: Nopan is a specialized Payment Service Provider (PSP), built by former merchants and Netflix payments leaders,
  focused exclusively on European account and wallet payment methods (Wero, BLIK, Bizum, Satispay, IRIS). It exposes a single
  standardized API for account-to-account (A2A) and wallet payments with conversion-optimized flows, PSP-agnostic tokenization
  for recurring and merchant-initiated payments, a multi-currency settlement and reconciliation engine, normalized transaction
  data, and a real-time monitoring Portal. Authentication is OAuth2 client_credentials over mutual TLS with JWS request signing.
  Nopan is licensed as a Payment Institution by De Nederlandsche Bank (DNB) and is PSD2/SCA compliant. Backed by Newion, Crane,
  and Seedcamp.
url: https://raw.githubusercontent.com/api-evangelist/nopan/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
- newion
- crane
x-tier: profiled
x-tier-reason: enriched-from-public-api
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Payments
- Payment Service Provider
- Account to Account
- Wallet Payments
- Open Banking
- PSD2
- Fintech
- Europe
- Tokenization
- Recurring Payments
apis:
- aid: nopan:nopan-authentication-apis-api
  name: Nopan Authentication APIs API
  description: This section covers the endpoints required for securely obtaining OAuth 2.0 access tokens to interact with
    the Nopan API. These APIs support machine-to-machine (M2M) authentication using mutual TLS (mTLS) and client credentials.
    A valid access token is required to authorize all subsequent requests to protected resources.
  humanURL: https://docs.nopan.com/
  baseURL: https://api.nopan.io
  tags:
  - Authentication APIs
  properties:
  - type: OpenAPI
    url: openapi/nopan-authentication-apis-api-openapi.yml
  - type: Authentication
    url: authentication/nopan-authentication.yml
  - type: OAuthScopes
    url: scopes/nopan-scopes.yml
  - type: Conventions
    url: conventions/nopan-conventions.yml
  - type: ErrorCatalog
    url: errors/nopan-error-codes.yml
  - type: Webhooks
    url: asyncapi/nopan-webhooks.yml
  - type: Sandbox
    url: sandbox/nopan-sandbox.yml
  - type: DataModel
    url: data-model/nopan-data-model.yml
- aid: nopan:nopan-payment-processing-apis-api
  name: Nopan Payment Processing APIs API
  description: This section provides a set of operations for initiating and managing payments through the Nopan API. These
    endpoints enable clients to request payments, handle SCA, and track the status of transactions in real time. Designed
    for seamless integration, the APIs support secure and compliant payment workflows for a variety of use cases including
    e-commerce, invoicing, and in-app purchases.
  humanURL: https://docs.nopan.com/
  baseURL: https://api.nopan.io
  tags:
  - Payment Processing APIs
  properties:
  - type: OpenAPI
    url: openapi/nopan-payment-processing-apis-api-openapi.yml
  - type: Authentication
    url: authentication/nopan-authentication.yml
  - type: OAuthScopes
    url: scopes/nopan-scopes.yml
  - type: Conventions
    url: conventions/nopan-conventions.yml
  - type: ErrorCatalog
    url: errors/nopan-error-codes.yml
  - type: Webhooks
    url: asyncapi/nopan-webhooks.yml
  - type: Sandbox
    url: sandbox/nopan-sandbox.yml
  - type: DataModel
    url: data-model/nopan-data-model.yml
- aid: nopan:nopan-reporting-apis-api
  name: Nopan Reporting APIs API
  description: This section provides endpoints for accessing and downloading financial reports generated by the Nopan platform.
    Reports are available for a range of types including transaction details, fee breakdowns, bank addendum data, and settlement
    summaries. Reports can be searched by date range, organization, or processing account, and downloaded by ID.
  humanURL: https://docs.nopan.com/
  baseURL: https://api.nopan.io
  tags:
  - Reporting APIs
  properties:
  - type: OpenAPI
    url: openapi/nopan-reporting-apis-api-openapi.yml
  - type: Authentication
    url: authentication/nopan-authentication.yml
  - type: OAuthScopes
    url: scopes/nopan-scopes.yml
  - type: Conventions
    url: conventions/nopan-conventions.yml
  - type: ErrorCatalog
    url: errors/nopan-error-codes.yml
  - type: Webhooks
    url: asyncapi/nopan-webhooks.yml
  - type: Sandbox
    url: sandbox/nopan-sandbox.yml
  - type: DataModel
    url: data-model/nopan-data-model.yml
- aid: nopan:nopan-testing-apis-api
  name: Nopan Testing APIs API
  description: The Nopan API includes a sandbox environment and test endpoints to help developers safely simulate, mock and
    validate payment flows without processing real transactions. These testing APIs mirror the behavior of the live endpoints,
    allowing you to initiate payments, trigger SCA flows, and verify callbacks using predefined test data. This environment
    is ideal for integration testing, QA workflows, and development staging before going live.
  humanURL: https://docs.nopan.com/
  baseURL: https://api.nopan.io
  tags:
  - Testing APIs
  properties:
  - type: OpenAPI
    url: openapi/nopan-testing-apis-api-openapi.yml
  - type: Authentication
    url: authentication/nopan-authentication.yml
  - type: OAuthScopes
    url: scopes/nopan-scopes.yml
  - type: Conventions
    url: conventions/nopan-conventions.yml
  - type: ErrorCatalog
    url: errors/nopan-error-codes.yml
  - type: Webhooks
    url: asyncapi/nopan-webhooks.yml
  - type: Sandbox
    url: sandbox/nopan-sandbox.yml
  - type: DataModel
    url: data-model/nopan-data-model.yml
- aid: nopan:nopan-webhooks-api
  name: Nopan Webhooks API
  description: API of the webhooks notifications Nopan will send if configured in the portal.
  humanURL: https://docs.nopan.com/
  baseURL: https://api.nopan.io
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/nopan-webhooks-api-openapi.yml
  - type: Authentication
    url: authentication/nopan-authentication.yml
  - type: OAuthScopes
    url: scopes/nopan-scopes.yml
  - type: Conventions
    url: conventions/nopan-conventions.yml
  - type: ErrorCatalog
    url: errors/nopan-error-codes.yml
  - type: Webhooks
    url: asyncapi/nopan-webhooks.yml
  - type: Sandbox
    url: sandbox/nopan-sandbox.yml
  - type: DataModel
    url: data-model/nopan-data-model.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DeveloperPortal
  url: https://docs.nopan.com/
- type: Documentation
  url: https://docs.nopan.com/
- type: APIReference
  url: https://docs.nopan.com/api
- type: GettingStarted
  url: https://docs.nopan.com/guides/integration-walkthrough
- type: Authentication
  url: authentication/nopan-authentication.yml
- type: OAuthScopes
  url: scopes/nopan-scopes.yml
- type: Conventions
  url: conventions/nopan-conventions.yml
- type: Idempotency
  url: conventions/nopan-conventions.yml
- type: ErrorCatalog
  url: errors/nopan-error-codes.yml
- type: Webhooks
  url: asyncapi/nopan-webhooks.yml
- type: Conformance
  url: conformance/nopan-conformance.yml
- type: Compliance
  url: conformance/nopan-conformance.yml
- type: Lifecycle
  url: lifecycle/nopan-lifecycle.yml
- type: Sandbox
  url: sandbox/nopan-sandbox.yml
- type: DataModel
  url: data-model/nopan-data-model.yml
- type: MCPServer
  url: mcp/nopan-mcp.yml
- type: Overlay
  url: overlays/nopan-payments-overlay.yaml
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Accept and capture a payment
  url: arazzo/nopan-accept-payment.yml
- type: Arazzo
  name: Refund a captured payment
  url: arazzo/nopan-refund-payment.yml
- type: AgenticAccess
  url: agentic-access/nopan-agentic-access.yml
- type: DomainSecurity
  url: security/nopan-domain-security.yml
- type: Postman
  url: https://docs.nopan.com/postman/nopan-api-collection.zip
- type: Blog
  url: https://nopan.com/blog
- type: Support
  url: mailto:support@nopan.com
- type: TermsOfService
  url: https://nopan.com/terms-of-use
- type: PrivacyPolicy
  url: https://nopan.com/privacy-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/nopan/
- type: Website
  url: https://nopan.com
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 22
  pass: local-v1