# PayEngine

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

PayEngine is an embedded-payments and payment-facilitation platform for vertical market SaaS companies, operated by Platform Factory, Inc. It lets a software company offer payments to its own customers without building an acquiring stack: PayEngine handles merchant onboarding and underwriting, PCI-scoped card and bank-account capture through hosted SecureFields and a <pay-engine> web-component library, card and ACH processing with 3-D Secure, AVS and Level 2/Level 3 interchange data, network tokenization, Tap to Pay and cloud-connected terminals, hosted payment links, subscriptions, disputes, settlement and payouts. A gateway-orchestration layer routes across multiple processors. The platform is a PCI DSS Level 1 certified Service Provider, listed in Visa's Global Registry under Platform Factory, Inc. Integration is REST plus a signed webhook surface of 37 documented events; the REST reference itself requires a partner login.

## Kin Score — 48.8 / 100 (developing)

Scored 2026-09-01 under rubric 0.17.2. Trend: flat (+0.0 from 48.8).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 65.6 (matched via tags).

## Agent readiness — 25.2 (agent-aware)

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

## APIs (1)

- **PayEngine Platform API** — REST API for merchant onboarding, card and ACH transaction processing (auth, sale, capture, void, refund, offline and device sale), card and bank-account tokenization, gateway o...

## Security (3)

- **Payengine Authentication** — 4 schemes
- **Payengine Domain Security** — TLSv1.3 · HSTS · DMARC
- **Payengine Vulnerability Disclosure** — Hackerone · contact published

## Plans (1)

- **Payengine Plans Pricing**

## Tags

Payments, Embedded Payments, Payment Facilitation, Merchant Onboarding, Payment Gateway, Financial-Services, ACH, Tokenization, Webhook, Fintech, Company

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