# Open Payments

**Canonical:** https://apis.io/providers/openpayments-io/  
**Website:** https://openpayments.io/  
**APIs profiled:** 1

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.

## Kin Score — 42.4 / 100 (developing)

Scored 2026-11-06 under rubric 0.27.0. Trend: falling (-5.7 from 48.1).

| Facet | Score |
|---|---|
| Discoverability | 64.3 |
| Contract Quality | 66.1 |
| Contract Governance | 22.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 37.5 |
| Access Clarity | 31.6 |

Regulatory layer — **Banking & Open Finance**: 31.5 (matched via tags).

## Agent readiness — 32.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | negotiable |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| 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 |
| Pagination Ratio | na |
| Operation Distinctiveness | distinct |
| MCP Tool Quality | na |

## Access

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

## APIs (11)

- **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...

## Agentic access (1)

- **Openpayments Io Agentic Access** — 57 operations · 25 acting

## Security (2)

- **Openpayments Io Authentication** — 1 scheme
- **Openpayments Io Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Openpayments Io Plans Pricing**

## Tags

Company, Payments, Banking, Fintech

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