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 Subscriptions.

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 33 more developer resources.

🌐 Visit website 📡 Source on GitHub
73.4/100 exemplar ▬ flat Agent 78/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessPaidSelf serve
14 APIs 1 MCP Servers
PaymentsFinTechJapanCredit CardsSubscriptionsTokenization

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 73.4/100 · exemplar
Contract Quality 15.9 / 25
Developer Ergonomics 15.7 / 20
Commercial Clarity 20.0 / 20
Operational Transparency 10.9 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 78/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 14

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

PAY.JP 3D Secure API

The 3D Secure API from PAY.JP — 4 operation(s) for 3d secure.

PAY.JP Account API

The Account API from PAY.JP — 1 operation(s) for account.

PAY.JP Balances API

The Balances API from PAY.JP — 2 operation(s) for balances.

PAY.JP Cards API

The Cards API from PAY.JP — 2 operation(s) for cards.

PAY.JP Charges API

The Charges API from PAY.JP — 6 operation(s) for charges.

PAY.JP Customers API

The Customers API from PAY.JP — 2 operation(s) for customers.

PAY.JP Events API

The Events API from PAY.JP — 2 operation(s) for events.

PAY.JP Plans API

The Plans API from PAY.JP — 2 operation(s) for plans.

PAY.JP Platform API

The Platform API from PAY.JP — 4 operation(s) for platform.

PAY.JP Statements API

The Statements API from PAY.JP — 3 operation(s) for statements.

PAY.JP Subscriptions API

The Subscriptions API from PAY.JP — 5 operation(s) for subscriptions.

PAY.JP Terms API

The Terms API from PAY.JP — 2 operation(s) for terms.

PAY.JP Tokens API

The Tokens API from PAY.JP — 3 operation(s) for tokens.

PAY.JP Transfers API

The Transfers API from PAY.JP — 3 operation(s) for transfers.

Scroll for all 14

MCP Servers 1

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

payjp-mcp.yml

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Payjp Plans Pricing

6 plans

PLANS

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.

Payjp Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Payjp Webhooks

ASYNCAPI

Security Posture 4

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

Payjp Authentication

http · 2 schemes

SECURITY

Payjp Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Payjp Vulnerability Disclosure

security.txt · contact published

SECURITY

Payjp Trust Center

PCI DSS

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Payjp Agentic Access

24 operations · 15 acting · 6 human-in-the-loop

24 operations · 15 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
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
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Webhooks
Webhooks
 DataModel
DataModel
 Components
Components
 Lifecycle
Lifecycle

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

Packages
Packages
 SDKs
SDKs
 DeclineCodes
DeclineCodes
 Postman
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
StatusPage
 Deprecation
Deprecation
 ChangeLog
ChangeLog
 Support
Support
 RateLimits
RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy
 Plans
Plans
 FinOps
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)

apis.yml Raw ↑ 
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.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/payjp.png
tags:
- Payments
- FinTech
- Japan
- Credit Cards
- Subscriptions
- Tokenization
created: '2026-07-17'
modified: '2026-07-18'
specificationVersion: '0.19'
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:
  - 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:
  - 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: 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: MCPServer
  url: mcp/payjp-mcp.yml
- 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