PayMate

PayMate India Limited is a Mumbai-headquartered B2B payments and supply-chain finance platform that digitizes, automates and streamlines business payables and receivables. Enterprises use PayMate to pay vendors, GST and utility bills on commercial credit cards, to raise and collect invoice payment requests, to run maker/checker approval workflows, and to access working-capital credit and invoice discounting. The platform runs in India as PayMate and across Singapore, Malaysia, the UAE, Oman, Sri Lanka, Saudi Arabia, Australia and South Africa — where the Australian and South African deployments carry the DuNoMo brand. Two distinct API surfaces are published: the legacy India PayMate API (PMXClients WCF/JSON service) and the current Global Partner API, a v1 REST surface for business (KYB) onboarding, contact onboarding, commercial-card management, vendor payments, collection requests and reporting.

PayMate publishes 6 APIs on the APIs.io network, including Businesses API, Cards API, Collections API, and 3 more. Tagged areas include Payments, B2B Payments, Accounts Payable, Accounts Receivable, and Supply Chain Finance.

PayMate’s developer surface includes documentation, API reference, support, engineering blog, pricing, authentication, sandbox, and 19 more developer resources.

🌐 Visit website 📡 Source on GitHub

58.0/100 strong ▬ flat Agent 33/100 agent ready saas Full breakdown ↓
scored 2026-09-02 · rubric v0.18.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs

Payments B2B Payments Accounts Payable Accounts Receivable Supply Chain Finance Invoice Discounting Working Capital Commercial Cards Financial-Services India Fintech Company

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Payments

POST /v1/MakePayment POST /v1/getpaymentstatus POST /v1/VendorPayment

Banking Customer Management

BC-1300

Businesses

POST /v1/businessboarding POST /v1/processbuyersupplierkyc POST /v1/processShareholderdetails

Kin Score

Kin Score How this is scored →
scored 2026-09-02 · rubric v0.18.0

Composite quality — 58.0/100 · strong

Contract Quality 12.7 / 21

Developer Ergonomics 9.2 / 17

Access Clarity 13.2 / 17

Operational Transparency 3.5 / 11

Contract Governance 1.9 / 10

Discoverability 5.8 / 9

Regulatory Posture 8.4 / 15

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 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 Surface 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/paymate: 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 7

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

Rate Limits 1

Documented rate limits and quota policies.

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Conformance

Lifecycle

DataModel

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: paymate
name: PayMate
description: 'PayMate India Limited is a Mumbai-headquartered B2B payments and supply-chain finance platform that digitizes,
  automates and streamlines business payables and receivables. Enterprises use PayMate to pay vendors, GST and utility bills
  on commercial credit cards, to raise and collect invoice payment requests, to run maker/checker approval workflows, and
  to access working-capital credit and invoice discounting. The platform runs in India as PayMate and across Singapore, Malaysia,
  the UAE, Oman, Sri Lanka, Saudi Arabia, Australia and South Africa — where the Australian and South African deployments
  carry the DuNoMo brand. Two distinct API surfaces are published: the legacy India PayMate API (PMXClients WCF/JSON service)
  and the current Global Partner API, a v1 REST surface for business (KYB) onboarding, contact onboarding, commercial-card
  management, vendor payments, collection requests and reporting.'
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: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://paymate.in/imgs/pngs/apple-touch-icon.png
url: https://raw.githubusercontent.com/api-evangelist/paymate/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-26'
modified: '2026-08-26'
tags:
- Payments
- B2B Payments
- Accounts Payable
- Accounts Receivable
- Supply Chain Finance
- Invoice Discounting
- Working Capital
- Commercial Cards
- Financial-Services
- India
- Fintech
- Company
tags_raw:
- Payments
- B2B Payments
- Accounts Payable
- Accounts Receivable
- Supply Chain Finance
- Invoice Discounting
- Working Capital
- Commercial Cards
- Financial Services
- India
- Fintech
- Company
apis:
- name: PayMate India Business Payments API
  description: Legacy India API (PMXClients service). Twelve JSON-over-POST methods let a business add vendors and customers
    as contacts, book and approve vendor payments, raise collection requests, generate hosted checkout links, check the Xpress
    account balance and pull payment/collection reports. Requests and responses are AES-256 encrypted and authenticated with
    MerchantIdentification, TerminalIdentification, XpressID and the registered email in the request headers, from a whitelisted
    domain or IP.
  humanURL: https://paymate.in/paymateapi/APIDoc.html
  baseURL: https://uat.paymate.co.in/PayMateSite/PayMateService/PMXClients.svc/PMXClients/
  x-base-url-note: This is the DEVELOPMENT (UAT) base URL, and it is the only base PayMate publishes for the India API. No
    production host is named anywhere in https://paymate.in/paymateapi/APIDoc.html. Recorded as published rather than guessed
    from the domain. The host resolves to 43.242.212.84 but does not answer HTTPS from a general-purpose network — PayMate
    requires the calling domain or IP to be whitelisted first.
  tags:
  - Payments
  - Collection
  - India
  tags_raw:
  - Payments
  - Collections
  - India
  properties:
  - type: Documentation
    url: https://paymate.in/paymateapi/APIDoc.html
  - type: APIReference
    url: https://paymate.in/paymateapi/APIDoc.html
  - type: ErrorCatalog
    url: errors/paymate-india-problem-types.yml
- aid: paymate:paymate-businesses-api
  name: PayMate Businesses API
  description: Business (KYB) onboarding, maintenance, charges and collection account setup
  humanURL: https://api.paymate.my/GlobalPartnerAPI
  baseURL: https://api.paymate.my
  tags:
  - Businesses
  properties:
  - type: OpenAPI
    url: openapi/paymate-businesses-api-openapi.yml
  - type: Documentation
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: APIReference
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: ErrorCatalog
    url: errors/paymate-error-codes.yml
  - type: DataModel
    url: data-model/paymate-data-model.yml
- aid: paymate:paymate-cards-api
  name: PayMate Cards API
  description: Commercial credit card enrolment and management
  humanURL: https://api.paymate.my/GlobalPartnerAPI
  baseURL: https://api.paymate.my
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/paymate-cards-api-openapi.yml
  - type: Documentation
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: APIReference
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: ErrorCatalog
    url: errors/paymate-error-codes.yml
  - type: DataModel
    url: data-model/paymate-data-model.yml
- aid: paymate:paymate-collections-api
  name: PayMate Collections API
  description: Payment collection requests, status and reporting
  humanURL: https://api.paymate.my/GlobalPartnerAPI
  baseURL: https://api.paymate.my
  tags:
  - Collection
  tags_raw:
  - Collections
  properties:
  - type: OpenAPI
    url: openapi/paymate-collections-api-openapi.yml
  - type: Documentation
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: APIReference
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: ErrorCatalog
    url: errors/paymate-error-codes.yml
  - type: DataModel
    url: data-model/paymate-data-model.yml
- aid: paymate:paymate-contacts-api
  name: PayMate Contacts API
  description: Buyer / supplier contact onboarding and maintenance
  humanURL: https://api.paymate.my/GlobalPartnerAPI
  baseURL: https://api.paymate.my
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/paymate-contacts-api-openapi.yml
  - type: Documentation
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: APIReference
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: ErrorCatalog
    url: errors/paymate-error-codes.yml
  - type: DataModel
    url: data-model/paymate-data-model.yml
- aid: paymate:paymate-payments-api
  name: PayMate Payments API
  description: Vendor payment initiation, status and reporting
  humanURL: https://api.paymate.my/GlobalPartnerAPI
  baseURL: https://api.paymate.my
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/paymate-payments-api-openapi.yml
  - type: Documentation
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: APIReference
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: ErrorCatalog
    url: errors/paymate-error-codes.yml
  - type: DataModel
    url: data-model/paymate-data-model.yml
- aid: paymate:paymate-reference-api
  name: PayMate Reference API
  description: Reference data
  humanURL: https://api.paymate.my/GlobalPartnerAPI
  baseURL: https://api.paymate.my
  tags:
  - Reference
  properties:
  - type: OpenAPI
    url: openapi/paymate-reference-api-openapi.yml
  - type: Documentation
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: APIReference
    url: https://api.paymate.my/GlobalPartnerAPI
  - type: ErrorCatalog
    url: errors/paymate-error-codes.yml
  - type: DataModel
    url: data-model/paymate-data-model.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/paymate-capability-edges.yml
  name: PayMate Business Capability Map
- type: DomainSecurity
  url: security/paymate-domain-security.yml
- type: Website
  url: https://paymate.in/
- type: DeveloperPortal
  url: https://api.paymate.my/GlobalPartnerAPI
- type: Documentation
  url: https://paymate.in/paymateapi/APIDoc.html
- type: APIReference
  url: https://api.paymate.my/GlobalPartnerAPI
- type: Support
  url: https://paymate.in/contactus.html
- type: Blog
  url: https://paymate.in/blog.html
- type: Pricing
  url: https://paymate.in/Pricing_terms.html
- type: Login
  url: https://paymate.in/login.aspx
- type: TermsOfService
  url: https://paymate.in/terms.html
- type: PrivacyPolicy
  url: https://paymate.in/privacy.html
- type: Authentication
  url: authentication/paymate-authentication.yml
- type: Conventions
  url: conventions/paymate-conventions.yml
- type: Idempotency
  url: conventions/paymate-conventions.yml
- type: ErrorCatalog
  url: errors/paymate-error-codes.yml
- type: Plans
  url: plans/paymate-plans-pricing.yml
- type: RateLimits
  url: rate-limits/paymate-rate-limits.yml
- type: Conformance
  url: conformance/paymate-conformance.yml
- type: Compliance
  url: conformance/paymate-conformance.yml
- type: Lifecycle
  url: lifecycle/paymate-lifecycle.yml
- type: Sandbox
  url: sandbox/paymate-sandbox.yml
- type: DataModel
  url: data-model/paymate-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/paymate-llms.txt
- type: Overlay
  url: overlays/paymate-global-partner-api-overlay.yaml
x-enrichment:
  date: '2026-08-26'
  status: enriched
  artifacts_added: 28
  pass: local-v1

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PayMate

What this lets a business do 2

Kin Score

APIs 7

PayMate India Business Payments API

PayMate Businesses API

PayMate Cards API

PayMate Collections API

PayMate Contacts API

PayMate Payments API

PayMate Reference API

Pricing Plans 1

Paymate Plans Pricing