PayJunction

PayJunction provides payment processing solutions for businesses, offering a suite of APIs for transactions, recurring billing, ACH, and card‑on‑file capabilities. Their platform includes a developer portal with API documentation, sandbox environments, and integration guides for various industries such as veterinary, dental, and automotive.

PayJunction is listed with 1 API on the APIs.io network. Tagged areas include Payments, FinTech, API, SaaS, and B2B.

The PayJunction catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

PayJunction’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.3/100 thin Agent 13/100 agent aware Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API

PaymentsFinTechAPISaaSB2B

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 38.3/100 · thin

Contract Quality 3.9 / 21

Developer Ergonomics 8.9 / 17

Access Clarity 8.5 / 17

Operational Transparency 3.5 / 11

Contract Governance 3.0 / 10

Discoverability 4.6 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 13/100 · agent aware

Machine-Readable Contract 18 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 18.2 — up to +20.5 composite points
Access Clarity scores 50.0 — up to +10.0 composite points
Developer Ergonomics scores 52.4 — up to +9.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/payjunction/apis.yml: open an issue on github.com/api-evangelist/payjunction to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

PayJunction API

PayJunction offers a payment processing API suite covering transactions, recurring billing, ACH, and card‑on‑file capabilities. Documentation and a sandbox are provided via the ...

Pricing Plans 1

Published pricing tiers and plan structures.

Payjunction Plans Pricing

3 plans

PLANS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Payjunction Context

6 classes · 34 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

PayJunction API Rules

10 rules · 9 errors 1 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

GetDeposits88888888444444444444CcccccccccccResponse

11 properties

JSON SCHEMA

GetSettlementsSettlementidResponse

6 properties

JSON SCHEMA

PostPlaidItemPublicTokenExchangeResponse

4 properties

JSON SCHEMA

PostSmartterminalsSmartterminalidRequestPaymentResponse

1 properties

JSON SCHEMA

PostTransactionsResponse

4 properties

JSON SCHEMA

PutTransactionsResponse

11 properties

JSON SCHEMA

Security Posture 1

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

Payjunction Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

TrustCenter

TrustCenter

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

Pricing

Pricing

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: payjunction
name: PayJunction
description: PayJunction provides payment processing solutions for businesses, offering a suite of APIs for transactions,
  recurring billing, ACH, and card‑on‑file capabilities. Their platform includes a developer portal with API documentation,
  sandbox environments, and integration guides for various industries such as veterinary, dental, and automotive.
url: https://raw.githubusercontent.com/api-evangelist/payjunction/refs/heads/main/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-27 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-27'
modified: '2026-10-27'
tags:
- Payments
- FinTech
- API
- SaaS
- B2B
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/payjunction-plans-pricing.yml
- type: Conformance
  url: conformance/payjunction-conformance.yml
- type: SecurityTxt
  url: well-known/payjunction-status-security.txt
- type: WellKnown
  url: well-known/payjunction-well-known.yml
- type: Hosts
  url: hosts/payjunction-hosts.yml
- type: Vendors
  url: vendors/payjunction-vendors.yml
- type: SDKs
  url: packages/payjunction-packages.yml
- type: Packages
  url: packages/payjunction-packages.yml
- type: TrustCenter
  url: https://trust.payjunction.com/
- type: DomainSecurity
  url: security/payjunction-domain-security.yml
- type: Website
  url: https://payjunction.com/
- type: DeveloperPortal
  url: https://developer.payjunction.com/
- type: Documentation
  url: https://developer.payjunction.com/hc/en-us/articles/216477407-POST-transactions
- type: APIReference
  url: https://developer.payjunction.com/hc/en-us/articles/216477407-POST-transactions
- type: GettingStarted
  url: https://developer.payjunction.com/hc/en-us/articles/216477397-Development-Sandbox
- type: Support
  url: https://support.payjunction.com/
- type: Blog
  url: https://blog.payjunction.com/
- type: GitHubOrganization
  url: https://github.com/PayJunction
- type: Pricing
  url: https://www.payjunction.com/payments/pricing.html
- type: StatusPage
  url: https://status.payjunction.com/
apis:
- name: PayJunction API
  description: PayJunction offers a payment processing API suite covering transactions, recurring billing, ACH, and card‑on‑file
    capabilities. Documentation and a sandbox are provided via the developer portal.
  humanURL: https://developer.payjunction.com/hc/en-us/articles/216477407-POST-transactions
  baseURL: null
  aid: payjunction:payjunction-api
x-submission-probe: 302 https://www.payjunction.com/payments/, 2026-10-26
x-enrichment:
  date: '2026-10-27'
  status: enriched
  artifacts_added: 11
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

PayJunction API — frequently asked questions

Does PayJunction have an API?

Yes. APIs.io lists 1 API from PayJunction, including PayJunction API.

Is there an OpenAPI specification for the PayJunction API?

Yes. APIs.io indexes 1 OpenAPI specification for PayJunction, each linked for download from this page.

How much does the PayJunction API cost?

APIs.io lists 3 pricing plans for PayJunction, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the PayJunction API ready for AI agents?

PayJunction has a Kin Score of 38.3 out of 100 (thin) and an Agent Readiness score of 12.9 (agent-aware), scored by API Evangelist on 2026-10-31.

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