# Openpay

**Canonical:** https://apis.io/providers/openpay/  
**Website:** https://www.openpay.mx  
**APIs profiled:** 11

Openpay is a Mexican and Colombian online payments platform, part of the BBVA group, offering a REST API for accepting card payments, cash/store payments, and bank transfers (SPEI). The API covers charges, customers, cards, tokens, subscriptions, plans, payouts, transfers, fees, and webhooks under a per-merchant base path with HTTP Basic authentication using a private API key.

## Kin Score — 30.3 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 30.3).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 49.2 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 21.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (11)

- **Openpay BankAccounts API** — Manage customer bank accounts used as payout destinations.
- **Openpay Cards API** — Store and manage cards at merchant or customer level.
- **Openpay Charges API** — Create and manage charges to cards, stores, and banks.
- **Openpay Customers API** — Manage customer records.
- **Openpay Fees API** — Charge commission fees to a customer's Openpay balance.
- **Openpay Payouts API** — Send funds to registered bank accounts.
- **Openpay Plans API** — Templates defining amount and frequency for recurring charges.
- **Openpay Subscriptions API** — Associate customers and cards to plans for recurring billing.
- **Openpay Tokens API** — Client-side tokenization of card data.
- **Openpay Transfers API** — Move funds between Openpay customers.
- **Openpay Webhooks API** — Register and manage webhook endpoints for event notifications.

## Agentic access (1)

- **Openpay Agentic Access** — 48 operations · 25 acting

## Security (2)

- **Openpay Authentication** — http · 1 scheme
- **Openpay Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Openpay Plans Pricing**

## Tags

Payments, Fintech, Cards, SPEI, Subscription

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