Open Payments

Open Payments provides a unified API platform that connects businesses to multiple banks, enabling payments, account data access, cross‑border transactions, and financial data aggregation. Their solution simplifies integration, reduces friction, and offers real‑time cash‑flow visibility, compliance with PSD2 and GDPR, and customizable branding for enterprises seeking to build modern financial services.

Open Payments publishes 11 API contracts indexed on the APIs.io network, including Account Information Service (AIS) API, ASPSP Information Service API, Bankgiro Lookup API, and 8 more. Tagged areas include Company, Payments, Banking, and Fintech.

The Open Payments catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Open Payments’ developer surface includes changelog, sandbox, authentication, getting-started guide, documentation, pricing, engineering blog, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

42.4/100 developing ▼ -5.7 Agent 33/100 agent ready Heartbeat 95/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterpriseSelf serve

1 published contract 3 Agent Skills

Company Payments Banking Fintech

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 42.4/100 · developing

Contract Quality 12.4 / 19

Developer Ergonomics 5.6 / 15

Access Clarity 4.7 / 15

Operational Transparency 1.5 / 10

Contract Governance 2.0 / 9

Discoverability 4.8 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 31.6 — up to +13.7 composite points
Developer Ergonomics scores 37.5 — up to +12.5 composite points
Operational Transparency scores 15.8 — up to +10.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/openpayments-io/apis.yml: open an issue on github.com/api-evangelist/openpayments-io to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 11

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

Open Payments Account Information Service (AIS) API

The Account Information Service (AIS) offers the following services: * Transaction reports for a given account or card account including balances if applicable * Balances of a g...

Open Payments ASPSP Information Service API

The ASPSP (Account Servicing Payment Service Providers) Information Service allows looking up information about banks and other account providers. The service offers the followi...

Open Payments Bankgiro Lookup API

Bankgiro Lookup APIs provide enhanced data and pre-payment validation on top of our core APIs. These services enable you to build more reliable, user-friendly payment experience...

Open Payments Consent Service API

The Consent Service offers the following services: * Create and authorize consents between the PSU and the TPP for use in the AIS services * Get status of consent and retrieve p...

Open Payments FX Connect API

FX Connect enables you to execute cross-border payments without integrating the Payment Initiation Service (PIS), operating seamlessly on top of your own existing bank integrati...

Open Payments ISO Payments API

ISO Payments offers a direct and intuitive interface to the banks ISO 20022 products. By leveraging ISO 20022, you can automate and streamline a wide range of payment processes,...

Open Payments KYC Service API

KYC Service offers the following services: * Initiation of a KYC process to access our KYC webform * KYC status of a corporation

Open Payments Payment Initiation Service (PIS) API

Payment Initiation Service (PIS) offers the following services: * Create and authorize payments * Status information of payments and authorizations * Create and authorize basket...

Open Payments Payout Service API

The Payout Service brings efficiency and security to a wide range of payment processes, including supplier invoices, payroll, refunds, and other forms of disbursement. The solut...

Open Payments SEPA Direct Debit API

The SEPA Direct Debit API allows you to initiate EUR-denominated collections directly from your customer's bank account in the Netherlands by submitting debit instructions in JS...

Open Payments Verification of Payee (VoP) API

The Verification of Payee (VoP) API allows you to instantly verify that a creditor's name matches the provided account details (IBAN) and display the result to your PSU, e.g. wh...

Scroll for all 11

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

openpayments-io-initiate-and-authorise-payment

AGENT SKILL

openpayments-io-kyc-create-and-check

AGENT SKILL

openpayments-io-payout-service-create-confirm-get

AGENT SKILL

Open Payments API pricing

Prices published by Open Payments, read 2026-10-28 from www.openpayments.io/pricing.

Plan	Price
Tailored quote	Contact our team to tell us about your use case and requirements, and we’ll provide a tail

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Openpayments Io Plans Pricing

1 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Open Payments

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Openpayments Io Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Openpayments Io Context

120 classes · 248 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Open Payments API Rules

17 rules · 11 errors 3 warnings 3 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

ConfirmIsoPaymentResponse

3 properties

JSON SCHEMA

ConfirmPayoutResponse

3 properties

JSON SCHEMA

CreatePayoutRequest

12 properties

JSON SCHEMA

CreatePayoutResponse

10 properties

JSON SCHEMA

GetPayoutResponse

14 properties

JSON SCHEMA

SEPA Direct Debit Payment

26 properties

JSON SCHEMA

Security Posture 2

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

Openpayments Io Authentication

1 scheme

SECURITY

Openpayments Io Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Openpayments Io Scopes

13 scopes · clientCredentials

13 scopes

SCOPES

Agentic Access 1

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

Openpayments Io Agentic Access

57 operations · 25 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

GettingStarted

GettingStarted

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

PrivacyPolicy

PrivacyPolicy

Pricing

Pricing

Company 3

The organization behind the API

Website

Website

About

About

Blog

Blog

Other 4

Properties that don't map to a standard resource type

Hosts

Vendors

Cases

Whitepaper

Source (apis.yml)

aid: openpayments-io
name: Open Payments
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/62334f93c837ab072ce54cd5/62544bad42bb186a71cba7e0_OGI%201.jpg
description: Open Payments provides a unified API platform that connects businesses to multiple banks, enabling payments,
  account data access, cross‑border transactions, and financial data aggregation. Their solution simplifies integration, reduces
  friction, and offers real‑time cash‑flow visibility, compliance with PSD2 and GDPR, and customizable branding for enterprises
  seeking to build modern financial services.
url: https://raw.githubusercontent.com/api-evangelist/openpayments-io/refs/heads/main/apis.yml
x-type: company
x-source: harvest:stockholm-trip
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-15 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-15'
modified: '2026-10-15'
tags:
- Company
- Payments
- Banking
- Fintech
tags_raw:
- Company
- Payments
- Banking
- API
- FinTech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/openpayments-io-plans-pricing.yml
- type: AgenticAccess
  url: agentic-access/openpayments-io-agentic-access.yml
- type: Spectral
  url: rules/openpayments-io-rules.yml
- type: JSONLD
  url: json-ld/openpayments-io-context.jsonld
- type: Vocabulary
  url: vocabulary/openpayments-io-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/openpayments-io-data-model.yml
- type: ChangeLog
  url: changelog/openpayments-io-changelog.yml
- type: Sandbox
  url: sandbox/openpayments-io-sandbox.yml
- type: Authentication
  url: authentication/openpayments-io-authentication.yml
- type: ErrorCatalog
  url: errors/openpayments-io-problem-types.yml
- type: Conformance
  url: conformance/openpayments-io-conformance.yml
- type: LLMsTxt
  url: llms/openpayments-io-llms.txt
- type: Hosts
  url: hosts/openpayments-io-hosts.yml
- type: Vendors
  url: vendors/openpayments-io-vendors.yml
- type: PrivacyPolicy
  url: https://www.openpayments.io/privacypolicy
- type: GettingStarted
  url: https://docs.openpayments.io/docs/getstarted
- type: OAuthScopes
  url: scopes/openpayments-io-scopes.yml
- type: DomainSecurity
  url: security/openpayments-io-domain-security.yml
- type: Website
  url: https://openpayments.io/
- type: DeveloperPortal
  url: https://developer.openpayments.io/
- type: Documentation
  url: https://docs.openpayments.io/
- type: Pricing
  url: https://www.openpayments.io/pricing
- type: About
  url: https://www.openpayments.io/company
- type: Blog
  url: https://www.openpayments.io/news-press
- type: Cases
  url: https://www.openpayments.io/cases
- type: Whitepaper
  url: https://www.openpayments.io/whitepaper
apis:
- aid: openpayments-io:openpayments-io-account-information-service-ais-api
  name: Open Payments Account Information Service (AIS) API
  description: "The Account Information Service (AIS) offers the following services:\n  * Transaction reports for a given\
    \ account or card account including balances if applicable\n  * Balances of a given account or card account\n  * A list\
    \ of available accounts or card account\n  * Account details of a given account or card account or of the list of all\
    \ accessable accounts or\ncard account  relative to a granted consent"
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - Account Information Service (AIS)
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-account-information-service-ais-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-aspsp-information-service-api
  name: Open Payments ASPSP Information Service API
  description: "The ASPSP (Account Servicing Payment Service Providers) Information Service allows looking up information\
    \ about banks and other account providers.\nThe service offers the following services:\n  * List All ASPSPs in a specific\
    \ country\n  * List all ASPSPs connected to the Open Banking Platform\n  * Details about the ASPSP"
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - ASPSP Information Service
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-aspsp-information-service-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-bankgiro-lookup-api
  name: Open Payments Bankgiro Lookup API
  description: Bankgiro Lookup APIs provide enhanced data and pre-payment validation on top of our core APIs.  These services
    enable you to build more reliable, user-friendly payment experiences by accessing and verifying additional information
    related to payment accounts.
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - Bankgiro Lookup
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-bankgiro-lookup-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-consent-service-api
  name: Open Payments Consent Service API
  description: 'The Consent Service offers the following services:

    * Create and authorize consents between the PSU and the TPP for use in the AIS services

    * Get status of consent and retrieve previously authorized consents'
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - Consent Service
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-consent-service-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-fx-connect-api
  name: Open Payments FX Connect API
  description: FX Connect enables you to execute cross-border payments without integrating the Payment Initiation Service
    (PIS), operating seamlessly on top of your own existing bank integrations. With FX Connect, you can provide your users
    with real-time, transparent institutional FX rates for spot and forward transactions,  together with automated cross-border
    settlement — while continuing to use your platform's own bank connections to initiate payments.
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - FX Connect
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-fx-connect-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-iso-payments-api
  name: Open Payments ISO Payments API
  description: ISO Payments offers a direct and intuitive interface to the banks ISO 20022 products. By leveraging ISO 20022,
    you can automate and streamline a wide range of payment processes, including both domestic and international vendor payments
    and payroll.
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - ISO Payments
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-iso-payments-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-kyc-service-api
  name: Open Payments KYC Service API
  description: "KYC Service offers the following services:\n  * Initiation of a KYC process to access our KYC webform \n \
    \ * KYC status of a corporation"
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - KYC Service
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-kyc-service-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-payment-initiation-service-pis-api
  name: Open Payments Payment Initiation Service (PIS) API
  description: "Payment Initiation Service (PIS) offers the following services:\n  * Create and authorize payments\n  * Status\
    \ information of payments and authorizations\n  * Create and authorize baskets to efficiently sign multiple payments in\
    \ one authorization\n  * Cancel previously signed payments\n  * Retrieve and create currency exchange (FX) quotes for\
    \ cross-border transfers"
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - Payment Initiation Service (PIS)
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-payment-initiation-service-pis-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-payout-service-api
  name: Open Payments Payout Service API
  description: The Payout Service brings efficiency and security to a wide range of payment processes, including supplier
    invoices, payroll, refunds, and other forms of disbursement. The solution automates the entire workflow, minimizing manual
    errors while eliminating transaction limits and the need for manual banking procedures. Funds are first placed in our
    dedicated client account before final disbursement, providing an added layer of security and stability and enabling seamless
    integration with the national clearing system Bankgirot.
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - Payout Service
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-payout-service-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-sepa-direct-debit-api
  name: Open Payments SEPA Direct Debit API
  description: The SEPA Direct Debit API allows you to initiate EUR-denominated collections directly from your customer's
    bank account in the Netherlands by submitting debit instructions in JSON format, from which an ISO 20022 pain.008 file
    is generated and sent to the debtor's bank under a valid mandate.
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - SEPA Direct Debit
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-sepa-direct-debit-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
- aid: openpayments-io:openpayments-io-verification-of-payee-vop-api
  name: Open Payments Verification of Payee (VoP) API
  description: The Verification of Payee (VoP) API allows you to instantly verify that a creditor's name matches the provided
    account details (IBAN) and display the result to your PSU, e.g. when they create a new supplier card in your system. With
    this API, you can provide enhanced security for your PSU's financial operations by reducing the risk of fraud and misdirected
    payments.
  humanURL: https://docs.openpayments.io/docs/api.md
  baseURL: https://api.openbankingplatform.com
  tags:
  - Verification of Payee (VoP)
  properties:
  - type: OpenAPI
    url: openapi/openpayments-io-verification-of-payee-vop-api-openapi.yml
  - type: JSONSchema
    url: json-schema/openpayments-io-payment-initiation-sepa-direct-debit-json-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-get-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-request-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-create-payout-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-iso-payment-response-schema.json
  - type: JSONSchema
    url: json-schema/openpayments-io-confirm-payout-response-schema.json
x-enrichment:
  date: '2026-10-15'
  status: enriched
  artifacts_added: 23
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Open Payments API — frequently asked questions

Does Open Payments have an API?

Yes. APIs.io lists 11 APIs from Open Payments, including Open Payments Account Information Service (AIS) API, Open Payments ASPSP Information Service API and Open Payments Bankgiro Lookup API, and 8 more.

Is there an OpenAPI specification for the Open Payments API?

Yes. APIs.io indexes 11 OpenAPI specifications for Open Payments, each linked for download from this page.

How do I authenticate with the Open Payments API?

Open Payments documents its authentication (1 scheme). The details are profiled on APIs.io as Openpayments Io Authentication.

How much does the Open Payments API cost?

APIs.io lists 1 pricing plan for Open Payments, with each plan's price, limits and inclusions under Pricing on this page.

Is the Open Payments API ready for AI agents?

Open Payments has a Kin Score of 42.4 out of 100 (developing) and an Agent Readiness score of 32.5 (agent-ready), scored by API Evangelist on 2026-11-06.

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