# Payem

**Canonical:** https://apis.io/providers/payem/  
**Website:** https://www.payem.co/  
**APIs profiled:** 1

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.

## Kin Score — 41.7 / 100 (developing)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 41.7).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 52.7 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 24.2 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| 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 |

## Access

Open access — onboarding: open, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **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.

## MCP servers (1)

- **Payem MCP Server**

## Security (3)

- **Payem Authentication** — 0 schemes
- **Payem Domain Security** — TLSv1.3 · HSTS · DMARC
- **Payem Trust Center** — SOC 1 Type II, SOC 2 Type II, GDPR, CCPA

## Plans (1)

- **Payem Plans Pricing**

## Tags

Company, Spend Management, Procurement, Accounts Payable, Corporate Cards, Expense Management, Financial Operations, Invoice Processing, Fintech, ERP Integration

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