Ordo

Ordo (operated by The Smart Request Company Ltd, ordohq.com / ordopay.com) is a United Kingdom open-banking payments provider that lets businesses collect money directly from a customer's bank account over the UK Faster Payments rails, avoiding card fees and chargebacks. Built on PSD2 / Open Banking payment initiation, its fully hosted, white-labelled platform delivers Request to Pay, one-off payment requests, e-commerce, Point of Sale / QR code and contact centre payments, plus Variable Recurring Payments (VRP) for fixed, variable and sweeping collections, and account information (AIS) and account verification services. Ordo is FCA-authorised and an Open Banking regulated provider, with a developer surface historically published as a ReadMe.io portal at docs.myordo.com backed by an Azure API Management gateway (test.api.ordopay.com). Ordo has since ceased trading and been acquired by Neonomics; the marketing site at ordopay.com remains live while the developer portal is now offline. Its API posture is documented here honestly from six OpenAPI 3.0.1 definitions harvested verbatim from the archived developer portal.

Ordo publishes 6 APIs on the APIs.io network, including Single Payments API, Smart Request Manager API, Recurring Payment Mandates (VRP) API, and 3 more. Tagged areas include Payments, United Kingdom, Open Banking, Account-to-Account, and Payment Initiation.

Ordo’s developer surface includes authentication, API reference, getting-started guide, support, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
41.6/100 thin ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
6 APIs 1 MCP Servers
PaymentsUnited KingdomOpen BankingAccount-to-AccountPayment InitiationVariable Recurring PaymentsRequest to PayReal-Time PaymentsFaster PaymentsPSD2Account Information

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 41.6/100 · thin
Contract Quality 13.2 / 25
Developer Ergonomics 11.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 65/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 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
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/ordo: 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 6

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

Ordo Single Payments API

Single, one-off open-banking payment initiation — list supported institutions, create a payment, initiate authorisation, and withdraw a payment. Server base is the Ordo Azure AP...

Ordo Smart Request Manager API

Request to Pay / "Smart Request" management for one-off payment requests — create and manage smart requests and their messages, Biller Delivery Request (BDR) links, extensions a...

Ordo Recurring Payment Mandates (VRP) API

Variable Recurring Payments — create sweeping and non-sweeping VRP mandates, read mandates, execute mandate payments and read VRP transactions. Enables fixed, variable and ad-ho...

Ordo Account Data (Ordo Hosted) API

Ordo-hosted Account Information (AIS) and Account Verification — create and manage account information consents, request and read account data, cancel consents, and run account ...

Ordo Account Data (Client Hosted) API

Client-hosted Account Information (AIS) and Account Verification — the same consent, data-request and verification lifecycle as the Ordo-hosted variant, but with the integrating...

Ordo Registry Manager API

Bank account configuration / registry management — create, read and manage the biller bank accounts into which collected payments settle. 3 documented operations.

MCP Servers 1

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

ordo-mcp.yml

MCP SERVER

Security Posture 2

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

Ordo Authentication

apiKey · 2 schemes

SECURITY

Ordo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Ordo Agentic Access

54 operations · 25 acting

54 operations · 25 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted

Documentation 1

Reference material describing how the API behaves

APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

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 2

The organization behind the API

Website
Website
 LinkedIn
LinkedIn

Source (apis.yml)

apis.yml Raw ↑ 
aid: ordo
url: https://raw.githubusercontent.com/api-evangelist/ordo/refs/heads/main/apis.yml
name: Ordo
kind: company
description: Ordo (operated by The Smart Request Company Ltd, ordohq.com / ordopay.com) is a United Kingdom open-banking payments
  provider that lets businesses collect money directly from a customer's bank account over the UK Faster Payments rails, avoiding
  card fees and chargebacks. Built on PSD2 / Open Banking payment initiation, its fully hosted, white-labelled platform delivers
  Request to Pay, one-off payment requests, e-commerce, Point of Sale / QR code and contact centre payments, plus Variable
  Recurring Payments (VRP) for fixed, variable and sweeping collections, and account information (AIS) and account verification
  services. Ordo is FCA-authorised and an Open Banking regulated provider, with a developer surface historically published
  as a ReadMe.io portal at docs.myordo.com backed by an Azure API Management gateway (test.api.ordopay.com). Ordo has since
  ceased trading and been acquired by Neonomics; the marketing site at ordopay.com remains live while the developer portal
  is now offline. Its API posture is documented here honestly from six OpenAPI 3.0.1 definitions harvested verbatim from the
  archived developer portal.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United Kingdom
- Open Banking
- Account-to-Account
- Payment Initiation
- Variable Recurring Payments
- Request to Pay
- Real-Time Payments
- Faster Payments
- PSD2
- Account Information
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: ordo:ordo-single-payments-api
  name: Ordo Single Payments API
  description: Single, one-off open-banking payment initiation — list supported institutions, create a payment, initiate authorisation,
    and withdraw a payment. Server base is the Ordo Azure API Management gateway. 4 documented operations.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Payments
  - Payment Initiation
  - Single Payments
  properties:
  - type: OpenAPI
    url: openapi/ordo-single-payments.yml
  - type: Overlay
    url: overlays/ordo-single-payments-overlay.yaml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
- aid: ordo:ordo-smart-request-manager-api
  name: Ordo Smart Request Manager API
  description: Request to Pay / "Smart Request" management for one-off payment requests — create and manage smart requests
    and their messages, Biller Delivery Request (BDR) links, extensions and withdrawals. 8 documented operations.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/smartrequestmanager/v1
  tags:
  - Payments
  - Request to Pay
  - Smart Request
  properties:
  - type: OpenAPI
    url: openapi/ordo-smart-request-manager.yml
  - type: Overlay
    url: overlays/ordo-smart-request-manager-overlay.yaml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
- aid: ordo:ordo-recurring-payment-mandates-api
  name: Ordo Recurring Payment Mandates (VRP) API
  description: Variable Recurring Payments — create sweeping and non-sweeping VRP mandates, read mandates, execute mandate
    payments and read VRP transactions. Enables fixed, variable and ad-hoc recurring collections as an alternative to Direct
    Debit and card CPA. 6 documented operations.
  humanURL: https://ordopay.com/products/vrp
  baseURL: https://test.api.ordopay.com/vrp/v1
  tags:
  - Payments
  - Variable Recurring Payments
  - Recurring Payments
  properties:
  - type: OpenAPI
    url: openapi/ordo-recurring-payment-mandates.yml
  - type: Overlay
    url: overlays/ordo-recurring-payment-mandates-overlay.yaml
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
- aid: ordo:ordo-account-data-ordo-hosted-api
  name: Ordo Account Data (Ordo Hosted) API
  description: Ordo-hosted Account Information (AIS) and Account Verification — create and manage account information consents,
    request and read account data, cancel consents, and run account verification against supported institutions, with Ordo
    hosting the end-user authorisation UX. 13 documented operations.
  humanURL: https://ordopay.com/products/account/data
  baseURL: https://test.api.ordopay.com/hosted
  tags:
  - Account Information
  - Open Banking
  - Account Verification
  properties:
  - type: OpenAPI
    url: openapi/ordo-account-data-ordo-hosted.yml
  - type: Overlay
    url: overlays/ordo-account-data-ordo-hosted-overlay.yaml
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
- aid: ordo:ordo-account-data-client-hosted-api
  name: Ordo Account Data (Client Hosted) API
  description: Client-hosted Account Information (AIS) and Account Verification — the same consent, data-request and verification
    lifecycle as the Ordo-hosted variant, but with the integrating client hosting the end-user authorisation UX and initiating
    the consent flow. 15 documented operations.
  humanURL: https://ordopay.com/products/account/verify
  baseURL: https://test.api.ordopay.com/client
  tags:
  - Account Information
  - Open Banking
  - Account Verification
  properties:
  - type: OpenAPI
    url: openapi/ordo-account-data-client-hosted.yml
  - type: Overlay
    url: overlays/ordo-account-data-client-hosted-overlay.yaml
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
- aid: ordo:ordo-registry-manager-api
  name: Ordo Registry Manager API
  description: Bank account configuration / registry management — create, read and manage the biller bank accounts into which
    collected payments settle. 3 documented operations.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/registrymanager/v1
  tags:
  - Payments
  - Configuration
  - Biller Accounts
  properties:
  - type: OpenAPI
    url: openapi/ordo-registry-manager.yml
  - type: Overlay
    url: overlays/ordo-registry-manager-overlay.yaml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
common:
- type: DomainSecurity
  url: security/ordo-domain-security.yml
- type: AgenticAccess
  url: agentic-access/ordo-agentic-access.yml
- type: Authentication
  url: authentication/ordo-authentication.yml
- type: Website
  url: https://ordopay.com/
- type: DeveloperPortal
  url: https://docs.myordo.com/docs
- type: APIReference
  url: https://docs.myordo.com/reference
- type: GettingStarted
  url: https://docs.myordo.com/docs/get-started
- type: GitHubOrganization
  url: https://github.com/ordohq
- type: LinkedIn
  url: https://www.linkedin.com/company/ordohq
- type: TermsOfService
  url: https://ordopay.com/legal/merchant-terms
- type: PrivacyPolicy
  url: https://ordopay.com/legal/privacy-policy
- type: Support
  url: https://ordopay.com/contact
- type: Conventions
  url: conventions/ordo-conventions.yml
- type: ErrorCatalog
  url: errors/ordo-problem-types.yml
- type: Conformance
  url: conformance/ordo-conformance.yml
- type: Lifecycle
  url: lifecycle/ordo-lifecycle.yml
- type: DataModel
  url: data-model/ordo-data-model.yml
- type: MCPServer
  url: mcp/ordo-mcp.yml
- type: LLMsTxt
  url: llms/ordo-llms.txt
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com