# PAY.JP

**Canonical:** https://apis.io/providers/payjp/  
**Website:** https://pay.jp/  
**APIs profiled:** 14

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.

## Kin Score — 68.5 / 100 (exemplar)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 68.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 62.7 |
| Governance | 20.8 |
| Operational Transparency | 84.2 |
| Developer Ergonomics | 66.8 |
| Commercial Clarity | 100.0 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 43.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (14)

- **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.

## MCP servers (1)

- **payjp-mcp.yml**

## Agentic access (1)

- **Payjp Agentic Access** — 24 operations · 15 acting · 6 human-in-the-loop

## Security (4)

- **Payjp Authentication** — http · 2 schemes
- **Payjp Domain Security** — TLSv1.3 · HSTS · DMARC
- **Payjp Vulnerability Disclosure** — security.txt · contact published
- **Payjp Trust Center** — PCI DSS

## Plans (1)

- **Payjp Plans Pricing**

## Tags

Payments, FinTech, Japan, Credit Cards, Subscriptions, Tokenization

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