Payem website screenshot

Payem

PayEm is a global spend management and procurement platform that automates the request-to-reconciliation process for finance, procurement, HR and operations teams. The product covers intake requests and agile approval workflows, virtual and physical corporate cards (including an American Express program), AP automation with AI/OCR invoice processing, purchase-order creation and matching, vendor onboarding, budget control, expense tracking, multi-subsidiary management, cross-border payments, real-time reconciliation and an audit trail, with native connectors into NetSuite, QuickBooks Online, Priority ERP, Xero, HRIS systems, TravelPerk and Slack. Founded in 2019 and operating from San Francisco and Tel Aviv, PayEm holds SOC 1 and SOC 2 Type II attestations audited by EY. PayEm publishes no public developer program - no developer portal, API reference, SDK, webhook catalog or machine-readable product contract is reachable without a sales conversation. The only machine-readable contract served from payem.co is an AI-discovery content API operated on PayEm's behalf by LightSite.ai, linked from PayEm's own robots.txt and reachable via a 308 from https://www.payem.co/.well-known/openapi.json.

Payem publishes 7 APIs on the APIs.io network, including AI Discovery API, Business API, Categories API, and 4 more. Tagged areas include Company, Spend Management, Procurement, Accounts Payable, and Corporate Cards.

The Payem catalog on APIs.io includes 1 JSON-LD context.

Payem’s developer surface includes engineering blog, support, signup flow, and 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
41.7/100 developing ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-02 · rubric v0.18.0
AccessOpen
1 APIs 1 MCP Servers
CompanySpend ManagementProcurementAccounts PayableCorporate CardsExpense ManagementFinancial OperationsInvoice ProcessingFintechERP Integration

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-02 · rubric v0.18.0
Composite quality — 41.7/100 · developing
Contract Quality 11.2 / 21
Developer Ergonomics 3.2 / 17
Access Clarity 8.5 / 17
Operational Transparency 2.3 / 11
Contract Governance 1.9 / 10
Discoverability 6.5 / 9
Regulatory Posture 7.0 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 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 Surface 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Payments 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.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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/payem: 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 7

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

Payem AI Discovery API

The AI Discovery API from Payem — 1 operation(s) for ai discovery.

Payem Business API

The Business API from Payem — 1 operation(s) for business.

Payem Categories API

The Categories API from Payem — 1 operation(s) for categories.

Payem Faq API

The Faq API from Payem — 1 operation(s) for faq.

Payem Qa API

The Qa API from Payem — 5 operation(s) for qa.

Payem Search API

The Search API from Payem — 1 operation(s) for search.

Payem Testimonials API

The Testimonials API from Payem — 1 operation(s) for testimonials.

Scroll for all 7

MCP Servers 1

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

Payem MCP Server

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Payem Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Payem Rate Limits

2 limits

RATE LIMITS

Semantic Vocabularies 1

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

Payem Organization Context

0 classes · 0 properties

JSON-LD

Security Posture 3

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

Payem Authentication

0 schemes

SECURITY

Payem Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Payem Trust Center

SOC 1 Type II, SOC 2 Type II, GDPR, CCPA

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login
Login
 SignUp
SignUp

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 Lifecycle
Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

Packages
Packages

Access & Security 3

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 HelpCenter
HelpCenter

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy
 Plans
Plans

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: payem
name: Payem
description: PayEm is a global spend management and procurement platform that automates the request-to-reconciliation process
  for finance, procurement, HR and operations teams. The product covers intake requests and agile approval workflows, virtual
  and physical corporate cards (including an American Express program), AP automation with AI/OCR invoice processing, purchase-order
  creation and matching, vendor onboarding, budget control, expense tracking, multi-subsidiary management, cross-border payments,
  real-time reconciliation and an audit trail, with native connectors into NetSuite, QuickBooks Online, Priority ERP, Xero,
  HRIS systems, TravelPerk and Slack. Founded in 2019 and operating from San Francisco and Tel Aviv, PayEm holds SOC 1 and
  SOC 2 Type II attestations audited by EY. PayEm publishes no public developer program - no developer portal, API reference,
  SDK, webhook catalog or machine-readable product contract is reachable without a sales conversation. The only machine-readable
  contract served from payem.co is an AI-discovery content API operated on PayEm's behalf by LightSite.ai, linked from PayEm's
  own robots.txt and reachable via a 308 from https://www.payem.co/.well-known/openapi.json.
url: https://raw.githubusercontent.com/api-evangelist/payem/refs/heads/main/apis.yml
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: open
  trial: false
  try_now: false
  public: true
  label: Open access
  confidence: medium
  source:
  - authentication
  - rate-limits
  - security
  generated: '2026-09-02'
  method: derived
image: https://www.payem.co/icon.svg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-26'
modified: '2026-08-26'
tags:
- Company
- Spend Management
- Procurement
- Accounts Payable
- Corporate Cards
- Expense Management
- Financial Operations
- Invoice Processing
- Fintech
- ERP Integration
tags_raw:
- Company
- Spend Management
- Procurement
- Accounts Payable
- Corporate Cards
- Expense Management
- Financial Operations
- Invoice Processing
- FinTech
- ERP Integration
apis:
- aid: payem:payem-ai-discovery-api
  name: Payem AI Discovery API
  description: The AI Discovery API from Payem — 1 operation(s) for ai discovery.
  humanURL: https://www.payem.co/
  baseURL: https://api.llm-discovery-api.com/functions/v1/llm-discovery/public
  tags:
  - AI Discovery
  properties:
  - type: OpenAPI
    url: openapi/payem-ai-discovery-api-openapi.yml
  - type: JSONLD
    url: json-ld/payem-organization.jsonld
  - type: Authentication
    url: authentication/payem-authentication.yml
  - type: ErrorCatalog
    url: errors/payem-problem-types.yml
  - type: Conventions
    url: conventions/payem-conventions.yml
  - type: DataModel
    url: data-model/payem-data-model.yml
  - type: RateLimits
    url: rate-limits/payem-rate-limits.yml
  - type: ToolCrosswalk
    url: mcp/payem-tool-crosswalk.yml
- aid: payem:payem-business-api
  name: Payem Business API
  description: The Business API from Payem — 1 operation(s) for business.
  humanURL: https://www.payem.co/
  baseURL: https://api.llm-discovery-api.com/functions/v1/llm-discovery/public
  tags:
  - Business
  properties:
  - type: OpenAPI
    url: openapi/payem-business-api-openapi.yml
  - type: JSONLD
    url: json-ld/payem-organization.jsonld
  - type: Authentication
    url: authentication/payem-authentication.yml
  - type: ErrorCatalog
    url: errors/payem-problem-types.yml
  - type: Conventions
    url: conventions/payem-conventions.yml
  - type: DataModel
    url: data-model/payem-data-model.yml
  - type: RateLimits
    url: rate-limits/payem-rate-limits.yml
  - type: ToolCrosswalk
    url: mcp/payem-tool-crosswalk.yml
- aid: payem:payem-categories-api
  name: Payem Categories API
  description: The Categories API from Payem — 1 operation(s) for categories.
  humanURL: https://www.payem.co/
  baseURL: https://api.llm-discovery-api.com/functions/v1/llm-discovery/public
  tags:
  - Categories
  properties:
  - type: OpenAPI
    url: openapi/payem-categories-api-openapi.yml
  - type: JSONLD
    url: json-ld/payem-organization.jsonld
  - type: Authentication
    url: authentication/payem-authentication.yml
  - type: ErrorCatalog
    url: errors/payem-problem-types.yml
  - type: Conventions
    url: conventions/payem-conventions.yml
  - type: DataModel
    url: data-model/payem-data-model.yml
  - type: RateLimits
    url: rate-limits/payem-rate-limits.yml
  - type: ToolCrosswalk
    url: mcp/payem-tool-crosswalk.yml
- aid: payem:payem-faq-api
  name: Payem Faq API
  description: The Faq API from Payem — 1 operation(s) for faq.
  humanURL: https://www.payem.co/
  baseURL: https://api.llm-discovery-api.com/functions/v1/llm-discovery/public
  tags:
  - FAQ
  tags_raw:
  - Faq
  properties:
  - type: OpenAPI
    url: openapi/payem-faq-api-openapi.yml
  - type: JSONLD
    url: json-ld/payem-organization.jsonld
  - type: Authentication
    url: authentication/payem-authentication.yml
  - type: ErrorCatalog
    url: errors/payem-problem-types.yml
  - type: Conventions
    url: conventions/payem-conventions.yml
  - type: DataModel
    url: data-model/payem-data-model.yml
  - type: RateLimits
    url: rate-limits/payem-rate-limits.yml
  - type: ToolCrosswalk
    url: mcp/payem-tool-crosswalk.yml
- aid: payem:payem-qa-api
  name: Payem Qa API
  description: The Qa API from Payem — 5 operation(s) for qa.
  humanURL: https://www.payem.co/
  baseURL: https://api.llm-discovery-api.com/functions/v1/llm-discovery/public
  tags:
  - QA
  tags_raw:
  - Qa
  properties:
  - type: OpenAPI
    url: openapi/payem-qa-api-openapi.yml
  - type: JSONLD
    url: json-ld/payem-organization.jsonld
  - type: Authentication
    url: authentication/payem-authentication.yml
  - type: ErrorCatalog
    url: errors/payem-problem-types.yml
  - type: Conventions
    url: conventions/payem-conventions.yml
  - type: DataModel
    url: data-model/payem-data-model.yml
  - type: RateLimits
    url: rate-limits/payem-rate-limits.yml
  - type: ToolCrosswalk
    url: mcp/payem-tool-crosswalk.yml
- aid: payem:payem-search-api
  name: Payem Search API
  description: The Search API from Payem — 1 operation(s) for search.
  humanURL: https://www.payem.co/
  baseURL: https://api.llm-discovery-api.com/functions/v1/llm-discovery/public
  tags:
  - Search
  properties:
  - type: OpenAPI
    url: openapi/payem-search-api-openapi.yml
  - type: JSONLD
    url: json-ld/payem-organization.jsonld
  - type: Authentication
    url: authentication/payem-authentication.yml
  - type: ErrorCatalog
    url: errors/payem-problem-types.yml
  - type: Conventions
    url: conventions/payem-conventions.yml
  - type: DataModel
    url: data-model/payem-data-model.yml
  - type: RateLimits
    url: rate-limits/payem-rate-limits.yml
  - type: ToolCrosswalk
    url: mcp/payem-tool-crosswalk.yml
- aid: payem:payem-testimonials-api
  name: Payem Testimonials API
  description: The Testimonials API from Payem — 1 operation(s) for testimonials.
  humanURL: https://www.payem.co/
  baseURL: https://api.llm-discovery-api.com/functions/v1/llm-discovery/public
  tags:
  - Testimonials
  properties:
  - type: OpenAPI
    url: openapi/payem-testimonials-api-openapi.yml
  - type: JSONLD
    url: json-ld/payem-organization.jsonld
  - type: Authentication
    url: authentication/payem-authentication.yml
  - type: ErrorCatalog
    url: errors/payem-problem-types.yml
  - type: Conventions
    url: conventions/payem-conventions.yml
  - type: DataModel
    url: data-model/payem-data-model.yml
  - type: RateLimits
    url: rate-limits/payem-rate-limits.yml
  - type: ToolCrosswalk
    url: mcp/payem-tool-crosswalk.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/payem-ai-discovery-overlay.yaml
- type: MCPServer
  url: mcp/payem-mcp.yml
- type: TrustCenter
  url: security/payem-trust-center.yml
- type: Website
  url: https://www.payem.co/
- type: Blog
  url: https://www.payem.co/blog
- type: Support
  url: https://www.payem.co/contact
- type: HelpCenter
  url: https://www.payem.co/faq
- type: Login
  url: https://app.payemcard.com/login
- type: SignUp
  url: https://www.payem.co/lp/personalized-demo
- type: TermsOfService
  url: https://www.payem.co/legal/terms-of-service
- type: PrivacyPolicy
  url: https://www.payem.co/legal/privacy-policy
- type: Compliance
  url: https://www.payem.co/legal/security-and-compliance
- type: Integrations
  url: https://www.payem.co/product/integrations
- type: WellKnown
  url: well-known/payem-well-known.yml
- type: LLMsTxt
  url: llms/payem-llms.txt
- type: Conformance
  url: conformance/payem-conformance.yml
- type: Lifecycle
  url: lifecycle/payem-lifecycle.yml
- type: DomainSecurity
  url: security/payem-domain-security.yml
- type: Packages
  url: packages/payem-packages.yml
- type: Plans
  url: plans/payem-plans-pricing.yml
x-enrichment:
  date: '2026-08-26'
  status: enriched
  artifacts_added: 22
  pass: local-v1

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