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 7 API contracts indexed on the APIs.io network, including Businesses API, Cards API, Collections API, and 4 more. Tagged areas include Payments, B2B Payments, Accounts Payable, Accounts Receivable, and Supply Chain Finance.

The PayMate catalog on APIs.io includes 1 Spectral governance ruleset.

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

🌐 Visit website 📡 Profile data on GitHub

57.1/100 strong ▬ flat Agent 34/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

AccessPaid

1 published contract 3 Agent Skills

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 3

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

Financial Management

BC-200

Collections

POST /v1/collectpayments POST /v1/GetCollectStatus

Banking Customer Management

BC-1300

Businesses

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

Kin Score

Kin Score How this is scored →
scored 2026-11-02 · rubric v0.26.0

Composite quality — 57.1/100 · strong

Contract Quality 10.1 / 19

Developer Ergonomics 8.1 / 15

Access Clarity 12.8 / 15

Operational Transparency 3.1 / 10

Contract Governance 2.9 / 9

Discoverability 5.0 / 8

Regulatory Posture 4.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 34/100 · 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 Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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<a href="https://apis.io/providers/paymate/"><img src="https://apis.io/badge/paymate/card.svg" alt="PayMate on APIs.io — Kin Score by API Evangelist"></a>

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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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

6 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 53.9 — up to +11.5 composite points
Developer Ergonomics scores 54.2 — up to +9.2 composite points
Operational Transparency scores 31.6 — up to +8.9 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/paymate/apis.yml: open an issue on github.com/api-evangelist/paymate 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	regulated	19.2 (thin)	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	regulated	19.2 (thin)	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	regulated	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 7

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

PayMate India Business Payments API

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 req...

PayMate Businesses API

Business (KYB) onboarding, maintenance, charges and collection account setup

PayMate Cards API

Commercial credit card enrolment and management

PayMate Collections API

Payment collection requests, status and reporting

PayMate Contacts API

Buyer / supplier contact onboarding and maintenance

PayMate Payments API

Vendor payment initiation, status and reporting

PayMate Reference API

Reference data

Scroll for all 7

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

paymate-collect-from-a-customer

AGENT SKILL

paymate-onboard-a-business

AGENT SKILL

paymate-pay-a-vendor

AGENT SKILL

Pricing Plans 2

Published pricing tiers and plan structures.

Paymate Plans Pricing

3 plans

PLANS

Paymate Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Paymate Rate Limits

6 limits

RATE LIMITS

FinOps 1

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

Paymate Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

PayMate API Rules

64 rules · 60 errors 3 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Paymate Global Partner Api Overlay

10 actions · update · paymate-global-partner-api-openapi.yml

DERIVED

Security Posture 2

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

Paymate Authentication

apiKey · 0 schemes

SECURITY

Paymate Domain Security

TLSv1.2 · DMARC

SECURITY

Resources

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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-02'
  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
- Financial-Services
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:
  - Business
  tags_raw:
  - 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

PayMate API — frequently asked questions

Does PayMate have an API?

Yes. APIs.io lists 7 APIs from PayMate, including PayMate India Business Payments API, PayMate Businesses API and PayMate Cards API, and 4 more.

Is there an OpenAPI specification for the PayMate API?

Yes. APIs.io indexes 6 OpenAPI specifications for PayMate, each linked for download from this page.

How do I authenticate with the PayMate API?

PayMate uses bearer-token authentication (apiKey · 0 schemes). The details are profiled on APIs.io as Paymate Authentication.

How much does the PayMate API cost?

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

Is the PayMate API ready for AI agents?

PayMate has a Kin Score of 57.1 out of 100 (strong) and an Agent Readiness score of 34.3 (agent-ready), scored by API Evangelist on 2026-11-02.

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