payments-ai

Payments AI is the AI-native Merchant of Record and payment orchestration platform. On the Merchant of Record product, the merchant of record is the seller of record and handles sales tax and VAT registration, filing, and remittance for you. On the orchestration product, you stay the merchant of record and we route payments across your gateways.

payments-ai publishes 14 API contracts indexed on the APIs.io network, including API Keys API, Buyer checkout API, Checkout API, and 11 more. Tagged areas include Company, Payments, AI, FinTech, and Merchant of Record.

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

payments-ai’s developer surface includes authentication, documentation, API reference, getting-started guide, support, pricing, signup flow, and 25 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

53.2/100 developing Agent 50/100 agent native Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

2 published contracts 2 Agent Skills

Company PaymentsAIFinTechMerchant of Record Payment Orchestration

Kin Score

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

Composite quality — 53.2/100 · developing

Contract Quality 12.3 / 21

Developer Ergonomics 9.6 / 17

Access Clarity 11.2 / 17

Operational Transparency 4.1 / 11

Contract Governance 2.2 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.1 / 15

Agent readiness — 50/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 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/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

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

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too
Pagination +5 pts — share of collection GETs (an array, or one wrapped in data/items/results ...) that declare a page/limit/offset/cursor parameter, a Link header or a next/cursor field; na with no collection GETs
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's

4 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 58.1 — up to +10.5 composite points
Contract Governance scores 22.0 — up to +9.4 composite points
Developer Ergonomics scores 56.4 — up to +8.7 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/payments-ai/apis.yml: open an issue on github.com/api-evangelist/payments-ai 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 14

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

payments-ai API Keys API

List, create, and revoke Merchant API keys for your merchant or any sub-merchant in your allowed set.

payments-ai Buyer checkout API

The Buyer checkout API from payments-ai — 16 operation(s) for buyer checkout.

payments-ai Checkout API

The Checkout API from payments-ai — 9 operation(s) for checkout.

payments-ai Customers API

The Customers API from payments-ai — 2 operation(s) for customers.

payments-ai Invoices API

The Invoices API from payments-ai — 3 operation(s) for invoices.

payments-ai JSON API

Read-only JSON endpoints under /api/v1

payments-ai Markdown API

Markdown representations and machine-readable text files

payments-ai Merchant API

Partner onboarding and merchant team operations — create sub-merchants and assign active members of your team onto merchants you manage.

payments-ai Orders API

The Orders API from payments-ai — 2 operation(s) for orders.

payments-ai Pages API

HTML pages that also serve Markdown via Accept negotiation

payments-ai Products API

The Products API from payments-ai — 6 operation(s) for products.

payments-ai Public API

The Public Api API from payments-ai — 9 operation(s) for public api.

payments-ai Subscriptions API

The Subscriptions API from payments-ai — 2 operation(s) for subscriptions.

payments-ai Transactions API

The Transactions API from payments-ai — 2 operation(s) for transactions.

Scroll for all 14

Agent Skills 2

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

merchant-management

AGENT SKILL

public-checkout

AGENT SKILL

Pricing Plans 1

Published pricing tiers and plan structures.

Payments Ai Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Payments Ai Rate Limits

0 limits

RATE LIMITS

Semantic Vocabularies 1

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

Payments Ai Context

120 classes · 191 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

payments-ai API Rules

10 rules · 6 errors 3 warnings 1 info

SPECTRAL

JSON Schema 10

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

MorPricing

7 properties

JSON SCHEMA

PageIndex

3 properties

JSON SCHEMA

PlatformsPricing

7 properties

JSON SCHEMA

PublicApiCreateMerchantRequest

6 properties

JSON SCHEMA

PublicApiOrderResponse

14 properties

JSON SCHEMA

PublicApiSubscriptionResponse

12 properties

JSON SCHEMA

PublicCheckoutByInvoiceResponse

23 properties

JSON SCHEMA

PublicCheckoutByPlanResponse

23 properties

JSON SCHEMA

PublicCheckoutOrderResponse

20 properties

JSON SCHEMA

Site

12 properties

JSON SCHEMA

Scroll for all 10

Security Posture 2

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

Payments Ai Authentication

http · 1 scheme

SECURITY

Payments Ai Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Payments Ai Agentic Access

102 operations · 35 acting · 1 human-in-the-loop

102 operations · 35 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgentSkill

LLMsTxt

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

GitHubOrganization

GitHubOrganization

Postman

Postman

Access & Security 5

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

SecurityTxt

Authentication

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

StatusPage

StatusPage

Support

Support

Roadmap

Roadmap

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: payments-ai
name: payments-ai
description: Payments AI is the AI-native Merchant of Record and payment orchestration platform. On the Merchant of Record
  product, the merchant of record is the seller of record and handles sales tax and VAT registration, filing, and remittance
  for you. On the orchestration product, you stay the merchant of record and we route payments across your gateways.
image: https://www.payments.ai/pai-og.png
url: https://artifacts.apis.io/payments-ai/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-30 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-30'
modified: '2026-10-30'
tags:
- Company
- Payments
- AI
- FinTech
- Merchant of Record
- Payment Orchestration
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/payments-ai-agentic-access.yml
- type: Plans
  url: plans/payments-ai-plans-pricing.yml
- type: Spectral
  url: rules/payments-ai-rules.yml
- type: JSONLD
  url: json-ld/payments-ai-context.jsonld
- type: Vocabulary
  url: vocabulary/payments-ai-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/payments-ai-data-model.yml
- type: DeclineCodes
  url: errors/payments-ai-decline-codes.yml
- type: ErrorCatalog
  url: errors/payments-ai-problem-types.yml
- type: Conformance
  url: conformance/payments-ai-conformance.yml
- type: LLMsTxt
  url: llms/payments-ai-llms.txt
- type: SecurityTxt
  url: well-known/payments-ai-status-security.txt
- type: SecurityTxt
  url: well-known/payments-ai-mor-security.txt
- type: SecurityTxt
  url: well-known/payments-ai-docs-security.txt
- type: WellKnown
  url: well-known/payments-ai-well-known.yml
- type: Hosts
  url: hosts/payments-ai-hosts.yml
- type: Vendors
  url: vendors/payments-ai-vendors.yml
- type: StatusPage
  url: https://status.payments.ai/
- type: Authentication
  url: authentication/payments-ai-authentication.yml
- type: DomainSecurity
  url: security/payments-ai-domain-security.yml
- type: Website
  url: https://payments.ai/
- type: Documentation
  url: https://docs.payments.ai
- type: APIReference
  url: https://docs.payments.ai
- type: GettingStarted
  url: https://www.payments.ai/mor/
- type: Support
  url: mailto:support@payments.ai
- type: GitHubOrganization
  url: https://github.com/paymentsai
- type: Roadmap
  url: https://www.payments.ai/roadmap/
- type: Pricing
  url: https://www.payments.ai/mor/pricing/
- type: SignUp
  url: https://app.payments.ai/signup
- type: TermsOfService
  url: https://www.payments.ai/mor/terms-of-service/
- type: PrivacyPolicy
  url: https://www.payments.ai/mor/privacy-policy/
- type: Postman
  url: https://www.postman.com/paymentsai/workspace
apis:
- aid: payments-ai:payments-ai-api-keys-api
  name: payments-ai API Keys API
  description: List, create, and revoke Merchant API keys for your merchant or any sub-merchant in your allowed set.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - API Keys
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-api-keys-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-buyer-checkout-api
  name: payments-ai Buyer checkout API
  description: The Buyer checkout API from payments-ai — 16 operation(s) for buyer checkout.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Buyer checkout
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-buyer-checkout-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-checkout-api
  name: payments-ai Checkout API
  description: The Checkout API from payments-ai — 9 operation(s) for checkout.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-checkout-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-customers-api
  name: payments-ai Customers API
  description: The Customers API from payments-ai — 2 operation(s) for customers.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-customers-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-invoices-api
  name: payments-ai Invoices API
  description: The Invoices API from payments-ai — 3 operation(s) for invoices.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-invoices-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-json-api
  name: payments-ai JSON API
  description: Read-only JSON endpoints under /api/v1
  humanURL: https://payments.ai/
  baseURL: https://www.payments.ai
  tags:
  - json
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-json-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-markdown-api
  name: payments-ai Markdown API
  description: Markdown representations and machine-readable text files
  humanURL: https://payments.ai/
  baseURL: https://www.payments.ai
  tags:
  - markdown
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-markdown-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-merchant-api
  name: payments-ai Merchant API
  description: Partner onboarding and merchant team operations — create sub-merchants and assign active members of your team
    onto merchants you manage.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Merchant
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-merchant-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-orders-api
  name: payments-ai Orders API
  description: The Orders API from payments-ai — 2 operation(s) for orders.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-orders-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-pages-api
  name: payments-ai Pages API
  description: HTML pages that also serve Markdown via Accept negotiation
  humanURL: https://payments.ai/
  baseURL: https://www.payments.ai
  tags:
  - pages
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-pages-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-products-api
  name: payments-ai Products API
  description: The Products API from payments-ai — 6 operation(s) for products.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-products-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-public-api-api
  name: payments-ai Public API
  description: The Public Api API from payments-ai — 9 operation(s) for public api.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Public Api
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-public-api-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-subscriptions-api
  name: payments-ai Subscriptions API
  description: The Subscriptions API from payments-ai — 2 operation(s) for subscriptions.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-subscriptions-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
- aid: payments-ai:payments-ai-transactions-api
  name: payments-ai Transactions API
  description: The Transactions API from payments-ai — 2 operation(s) for transactions.
  humanURL: https://payments.ai/
  baseURL: https://sandbox.mor.payments.ai/api
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/payments-ai-transactions-api-openapi.yml
  - type: JSONSchema
    url: json-schema/payments-ai-site-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-mor-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-platforms-pricing-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-page-index-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-invoice-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-checkout-by-plan-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-order-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-subscription-response-schema.json
  - type: JSONSchema
    url: json-schema/payments-ai-public-api-create-merchant-request-schema.json
x-enrichment:
  date: '2026-10-30'
  status: enriched
  artifacts_added: 36
  pass: modular-v1
  engine: identity=oss,contract=oss,surfaces=oss,docs=oss,regulatory=oss

payments-ai API — frequently asked questions

Does payments-ai have an API?

Yes. APIs.io lists 14 APIs from payments-ai, including payments-ai API Keys API, payments-ai Buyer checkout API and payments-ai Checkout API, and 11 more.

Is there an OpenAPI specification for the payments-ai API?

Yes. APIs.io indexes 14 OpenAPI specifications for payments-ai, each linked for download from this page.

How do I authenticate with the payments-ai API?

payments-ai documents its authentication (http · 1 scheme). The details are profiled on APIs.io as Payments Ai Authentication.

How much does the payments-ai API cost?

APIs.io lists 1 pricing plan for payments-ai, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the payments-ai API ready for AI agents?

payments-ai has a Kin Score of 53.2 out of 100 (developing) and an Agent Readiness score of 49.7 (agent-native), scored by API Evangelist on 2026-10-31.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/payments-ai"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/payments-ai/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/payments-ai/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.