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 9 APIs on the APIs.io network, including Account Data - Client Hosted API, Account Data - Ordo Hosted API, Account Verification - Client Hosted API, and 6 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 22 more developer resources.

🌐 Visit website 📡 Source on GitHub

34.5/100 thin ▬ flat Agent 31/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

6 APIs

Payments United Kingdom Open Banking Account-to-Account Payment Initiation Variable Recurring Payments Request to Pay Real-Time Payments Faster Payments PSD2 Account Information

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 34.5/100 · thin

Contract Quality 10.6 / 19

Developer Ergonomics 5.3 / 15

Access Clarity 1.6 / 15

Operational Transparency 0.3 / 10

Contract Governance 0.4 / 9

Discoverability 6.1 / 8

Regulatory Posture 7.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · 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

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/.

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 github.com/api-evangelist/ordo: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

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

Ordo Account Data - Client Hosted API

The Account Data - Client Hosted API from Ordo — 9 operation(s) for account data - client hosted.

Ordo Account Data - Ordo Hosted API

The Account Data - Ordo Hosted API from Ordo — 7 operation(s) for account data - ordo hosted.

Ordo Account Verification - Client Hosted API

The Account Verification - Client Hosted API from Ordo — 6 operation(s) for account verification - client hosted.

Ordo Account Verification - Ordo Hosted API

The Account Verification - Ordo Hosted API from Ordo — 6 operation(s) for account verification - ordo hosted.

Ordo Bank accounts API

The Bank accounts API from Ordo — 3 operation(s) for bank accounts.

Ordo Client hosted API

The Client hosted API from Ordo — 4 operation(s) for client hosted.

Ordo Create a mandate API

The Create a mandate API from Ordo — 2 operation(s) for create a mandate.

Ordo Ordo hosted API

The Ordo hosted API from Ordo — 8 operation(s) for ordo hosted.

Ordo Retrieve mandate details API

The Retrieve mandate details API from Ordo — 4 operation(s) for retrieve mandate details.

Scroll for all 9

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

ACCOUNT DATA - Client Hosted

OPEN COLLECTION

ACCOUNT DATA - Ordo Hosted

OPEN COLLECTION

Recurring Payment Mandates

OPEN COLLECTION

Bank account configuration

OPEN COLLECTION

Single Payments

OPEN COLLECTION

Single Payments

OPEN COLLECTION

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

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

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Conformance

Lifecycle

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

Other 6

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Overlay

Overlay

Source (apis.yml)

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
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: '0.23'
apis:
- aid: ordo:ordo-account-data-client-hosted-api
  name: Ordo Account Data - Client Hosted API
  description: The Account Data - Client Hosted API from Ordo — 9 operation(s) for account data - client hosted.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Account Data - Client Hosted
  properties:
  - type: OpenAPI
    url: openapi/ordo-account-data-client-hosted-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-account-data-ordo-hosted-api
  name: Ordo Account Data - Ordo Hosted API
  description: The Account Data - Ordo Hosted API from Ordo — 7 operation(s) for account data - ordo hosted.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Account Data - Ordo Hosted
  properties:
  - type: OpenAPI
    url: openapi/ordo-account-data-ordo-hosted-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-account-verification-client-hosted-api
  name: Ordo Account Verification - Client Hosted API
  description: The Account Verification - Client Hosted API from Ordo — 6 operation(s) for account verification - client hosted.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Account Verification - Client Hosted
  properties:
  - type: OpenAPI
    url: openapi/ordo-account-verification-client-hosted-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-account-verification-ordo-hosted-api
  name: Ordo Account Verification - Ordo Hosted API
  description: The Account Verification - Ordo Hosted API from Ordo — 6 operation(s) for account verification - ordo hosted.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Account Verification - Ordo Hosted
  properties:
  - type: OpenAPI
    url: openapi/ordo-account-verification-ordo-hosted-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-bank-accounts-api
  name: Ordo Bank accounts API
  description: The Bank accounts API from Ordo — 3 operation(s) for bank accounts.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Bank Accounts
  tags_raw:
  - Bank accounts
  properties:
  - type: OpenAPI
    url: openapi/ordo-bank-accounts-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-client-hosted-api
  name: Ordo Client hosted API
  description: The Client hosted API from Ordo — 4 operation(s) for client hosted.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Client hosted
  properties:
  - type: OpenAPI
    url: openapi/ordo-client-hosted-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-create-a-mandate-api
  name: Ordo Create a mandate API
  description: The Create a mandate API from Ordo — 2 operation(s) for create a mandate.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Create a mandate
  properties:
  - type: OpenAPI
    url: openapi/ordo-create-a-mandate-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-ordo-hosted-api
  name: Ordo Ordo hosted API
  description: The Ordo hosted API from Ordo — 8 operation(s) for ordo hosted.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Ordo hosted
  properties:
  - type: OpenAPI
    url: openapi/ordo-ordo-hosted-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
- aid: ordo:ordo-retrieve-mandate-details-api
  name: Ordo Retrieve mandate details API
  description: The Retrieve mandate details API from Ordo — 4 operation(s) for retrieve mandate details.
  humanURL: https://ordopay.com/products/payments
  baseURL: https://test.api.ordopay.com/payments
  tags:
  - Retrieve mandate details
  properties:
  - type: OpenAPI
    url: openapi/ordo-retrieve-mandate-details-api-openapi.yml
  - type: Documentation
    url: https://ordopay.com/products/payments
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-single-payments
  - type: Documentation
    url: https://ordopay.com/products/vrp
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-recurring-payment-mandates
  - type: Documentation
    url: https://ordopay.com/products/account/data
  - type: APIReference
    url: https://docs.myordo.com/docs/introduction-account-data
  - type: Documentation
    url: https://ordopay.com/products/account/verify
  - type: APIReference
    url: https://docs.myordo.com/docs/client-hosted-account-data
  - type: APIReference
    url: https://docs.myordo.com/docs/financial-institution
common:
- type: CapabilityMap
  url: capabilities/ordo-capability-edges.yml
  name: Ordo Business Capability Map
- type: Overlay
  url: overlays/ordo-single-payments-overlay.yaml
- type: Overlay
  url: overlays/ordo-smart-request-manager-overlay.yaml
- type: Overlay
  url: overlays/ordo-recurring-payment-mandates-overlay.yaml
- type: Overlay
  url: overlays/ordo-account-data-client-hosted-overlay.yaml
- type: Overlay
  url: overlays/ordo-registry-manager-overlay.yaml
- 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: X-MCPServerCandidate
  url: mcp/ordo-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/ordo-llms.txt
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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