PAY.JP

PAY.JP is an online payment service operated by PAY, Inc. (PAY株式会社) in Japan. Its Stripe-style REST API lets merchants create charges, tokenize cards, manage customers, run subscriptions (定期課金), and settle transfers (入金) in Japanese yen, with a Platform API (beta) for marketplace/multi-tenant payouts.

PAY.JP publishes 14 APIs on the APIs.io network, including 3D Secure API, Account API, Balances API, and 11 more. Tagged areas include Payments, Fintech, Japan, Credit Cards, and Subscription.

The PAY.JP catalog on APIs.io includes 1 event-driven AsyncAPI specification.

PAY.JP’s developer surface includes authentication, sandbox, changelog, documentation, getting-started guide, support, pricing, and 34 more developer resources.

🌐 Visit website 📡 Source on GitHub

77.1/100 exemplar ▬ flat Agent 30/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

AccessPaid

1 APIs

Payments Fintech Japan Credit Cards Subscription Tokenization

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 77.1/100 · exemplar

Contract Quality 12.8 / 21

Developer Ergonomics 12.6 / 17

Access Clarity 17.0 / 17

Operational Transparency 9.0 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 11.7 / 15

Agent readiness — 30/100 · 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 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 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 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/payjp: 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 14

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

Open Collections 15

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

Rate Limits 1

Documented rate limits and quota policies.

Payjp Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

GettingStarted

SignUp

Login

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

ErrorCatalog

Webhooks

DataModel

Components

Lifecycle

Scroll for all 7

Build 6

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

Packages

SDKs

DeclineCodes

Postman

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

TrustCenter

Compliance

Compliance

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 5

Status, limits, changes, and where to get help

StatusPage

Deprecation

ChangeLog

Support

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

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)

aid: payjp
url: https://raw.githubusercontent.com/api-evangelist/payjp/refs/heads/main/apis.yml
name: PAY.JP
kind: company
description: PAY.JP is an online payment service operated by PAY, Inc. (PAY株式会社) in Japan. Its Stripe-style REST API lets
  merchants create charges, tokenize cards, manage customers, run subscriptions (定期課金), and settle transfers (入金) in Japanese
  yen, with a Platform API (beta) for marketplace/multi-tenant payouts.
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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/payjp.png
tags:
- Payments
- Fintech
- Japan
- Credit Cards
- Subscription
- Tokenization
tags_raw:
- Payments
- FinTech
- Japan
- Credit Cards
- Subscriptions
- Tokenization
created: '2026-07-17'
modified: '2026-07-18'
specificationVersion: '0.23'
apis:
- aid: payjp:payjp-3d-secure-api
  name: PAY.JP 3D Secure API
  description: The 3D Secure API from PAY.JP — 4 operation(s) for 3d secure.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - 3D Secure
  properties:
  - type: OpenAPI
    url: openapi/payjp-3d-secure-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-account-api
  name: PAY.JP Account API
  description: The Account API from PAY.JP — 1 operation(s) for account.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Account
  properties:
  - type: OpenAPI
    url: openapi/payjp-account-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-balances-api
  name: PAY.JP Balances API
  description: The Balances API from PAY.JP — 2 operation(s) for balances.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/payjp-balances-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-cards-api
  name: PAY.JP Cards API
  description: The Cards API from PAY.JP — 2 operation(s) for cards.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/payjp-cards-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-charges-api
  name: PAY.JP Charges API
  description: The Charges API from PAY.JP — 6 operation(s) for charges.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Charges
  properties:
  - type: OpenAPI
    url: openapi/payjp-charges-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-customers-api
  name: PAY.JP Customers API
  description: The Customers API from PAY.JP — 2 operation(s) for customers.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/payjp-customers-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-events-api
  name: PAY.JP Events API
  description: The Events API from PAY.JP — 2 operation(s) for events.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/payjp-events-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-plans-api
  name: PAY.JP Plans API
  description: The Plans API from PAY.JP — 2 operation(s) for plans.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Plans
  properties:
  - type: OpenAPI
    url: openapi/payjp-plans-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-platform-api
  name: PAY.JP Platform API
  description: The Platform API from PAY.JP — 4 operation(s) for platform.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Platform
  properties:
  - type: OpenAPI
    url: openapi/payjp-platform-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-statements-api
  name: PAY.JP Statements API
  description: The Statements API from PAY.JP — 3 operation(s) for statements.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/payjp-statements-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-subscriptions-api
  name: PAY.JP Subscriptions API
  description: The Subscriptions API from PAY.JP — 5 operation(s) for subscriptions.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Subscription
  tags_raw:
  - Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/payjp-subscriptions-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-terms-api
  name: PAY.JP Terms API
  description: The Terms API from PAY.JP — 2 operation(s) for terms.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Terms
  properties:
  - type: OpenAPI
    url: openapi/payjp-terms-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-tokens-api
  name: PAY.JP Tokens API
  description: The Tokens API from PAY.JP — 3 operation(s) for tokens.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Tokens
  properties:
  - type: OpenAPI
    url: openapi/payjp-tokens-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
- aid: payjp:payjp-transfers-api
  name: PAY.JP Transfers API
  description: The Transfers API from PAY.JP — 3 operation(s) for transfers.
  humanURL: https://docs.pay.jp/v1/api/
  baseURL: https://api.pay.jp/v1
  tags:
  - Transfers
  properties:
  - type: OpenAPI
    url: openapi/payjp-transfers-api-openapi.yml
  - type: Documentation
    url: https://pay.jp/docs/charge
  - type: APIReference
    url: https://docs.pay.jp/v1/api/
  - type: Documentation
    url: https://docs.pay.jp/v1/customer
  - type: Documentation
    url: https://docs.pay.jp/v1/subscription
  - type: Documentation
    url: https://pay.jp/docs/platform-payment
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/payjp/overview
- type: AgenticAccess
  url: agentic-access/payjp-agentic-access.yml
- type: TrustCenter
  url: security/payjp-trust-center.yml
- type: Compliance
  url: https://pay.jp/security
- type: VulnerabilityDisclosure
  url: security/payjp-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/payjp-domain-security.yml
- type: Authentication
  url: authentication/payjp-authentication.yml
- type: Conventions
  url: conventions/payjp-conventions.yml
- type: Packages
  url: packages/payjp-packages.yml
- type: SDKs
  url: packages/payjp-packages.yml
- type: X-MCPServerCandidate
  url: mcp/payjp-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/payjp-llms.txt
- type: Overlay
  url: overlays/payjp-openapi-overlay.yaml
- type: Conformance
  url: conformance/payjp-conformance.yml
- type: ErrorCatalog
  url: errors/payjp-error-codes.yml
- type: DeclineCodes
  url: errors/payjp-decline-codes.yml
- type: Webhooks
  url: asyncapi/payjp-webhooks.yml
- type: Sandbox
  url: sandbox/payjp-sandbox.yml
- type: DataModel
  url: data-model/payjp-data-model.yml
- type: Components
  url: components/payjp-components.yml
- type: Lifecycle
  url: lifecycle/payjp-lifecycle.yml
- type: StatusPage
  url: https://status.pay.jp
- type: Deprecation
  url: https://pay.jp/info
- type: ChangeLog
  url: changelog/payjp-changelog.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Postman
  url: collections/payjp.postman_collection.json
- type: GitHubOrganization
  url: https://github.com/payjp
- type: Website
  url: https://pay.jp/
- type: DeveloperPortal
  url: https://docs.pay.jp/
- type: Documentation
  url: https://docs.pay.jp/v1/
- type: GettingStarted
  url: https://docs.pay.jp/v1/started
- type: Support
  url: https://help.pay.jp/ja
- type: Pricing
  url: https://pay.jp/plan
- type: SignUp
  url: https://console.pay.jp/d/signup
- type: Login
  url: https://console.pay.jp/d/login
- type: TermsOfService
  url: https://pay.jp/legal/tos
- type: PrivacyPolicy
  url: https://pay.co.jp/privacy
- type: Plans
  url: plans/payjp-plans-pricing.yml
- type: RateLimits
  url: rate-limits/payjp-rate-limits.yml
- type: FinOps
  url: finops/payjp-finops.yml
- url: https://pay.jp/info
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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