payflows

Payflows is an AI-native financial operations platform that unifies procurement, treasury, and accounting into one agentic workspace for finance teams. Its product suites span Apollo (procurement from purchase request to receipt), Vera (vendor and contract management), Athena (accounting and AP automation from AP to tax reporting), and Metis (treasury from payment to bank reconciliation), with spend analytics, cashflow forecasting, global payments, and risk management. Payflows integrates with major ERP, banking, payment, and expense systems. It was surfaced as a portfolio company of Balderton Capital and Ribbit Capital and added to the API Evangelist network.

payflows is profiled on the APIs.io network. Tagged areas include Company, Finance, Procurement, Treasury, and Accounting.

payflows’ developer surface includes engineering blog, signup flow, and 2 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

3.2/100 minimal ▬ flat Agent 0/100 human only Front door AI 6/6 dominant saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

0 APIs

Company Finance Procurement Treasury Accounting Payments FinOps AP Automation

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 3.2/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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 Well-Known Document 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/payflows: 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
E-invoicing and Tax Compliance (certified operators)	standard	40.9 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

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

Payflows Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: payflows
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/payflows.png
name: payflows
description: Payflows is an AI-native financial operations platform that unifies procurement, treasury, and accounting into
  one agentic workspace for finance teams. Its product suites span Apollo (procurement from purchase request to receipt),
  Vera (vendor and contract management), Athena (accounting and AP automation from AP to tax reporting), and Metis (treasury
  from payment to bank reconciliation), with spend analytics, cashflow forecasting, global payments, and risk management.
  Payflows integrates with major ERP, banking, payment, and expense systems. It was surfaced as a portfolio company of Balderton
  Capital and Ribbit Capital and added to the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/payflows/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- balderton-capital
- ribbit-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Finance
- Procurement
- Treasury
- Accounting
- Payments
- FinOps
- AP Automation
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/payflows-domain-security.yml
- type: Website
  url: https://www.payflows.io/
- type: Blog
  url: https://www.payflows.io/blog-and-articles
- type: SignUp
  url: https://app.payflows.io/login
x-links-observed:
- type: Integrations
  url: https://www.payflows.io/integrations
- type: About
  url: https://www.payflows.io/about-us
- type: Careers
  url: https://www.payflows.io/careers
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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