# PayMate

**Canonical:** https://apis.io/providers/paymate/  
**Website:** https://paymate.in/  
**APIs profiled:** 1

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.

## Kin Score — 58.0 / 100 (strong)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 58.0).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 59.9 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 54.2 |
| Commercial Clarity | 77.6 |
| Access Clarity | 77.6 |

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

## Agent readiness — 32.9 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

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

## APIs (7)

- **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

## Security (2)

- **Paymate Authentication** — apiKey · 0 schemes
- **Paymate Domain Security** — TLSv1.2 · DMARC

## Plans (1)

- **Paymate Plans Pricing**

## Tags

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

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