# payments-ai

**Canonical:** https://apis.io/providers/payments-ai/  
**Website:** https://payments.ai/  
**APIs profiled:** 2

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.

## Kin Score — 53.2 / 100 (developing)

Scored 2026-10-31 under rubric 0.25.0.

| Facet | Score |
|---|---|
| Discoverability | 66.1 |
| Contract Quality | 58.1 |
| Contract Governance | 22.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 56.4 |
| Access Clarity | 65.8 |

Regulatory layer — **Payments**: 20.8 (matched via tags).

## Agent readiness — 49.7 (agent-native)

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

## APIs (14)

- **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.

## Agentic access (1)

- **Payments Ai Agentic Access** — 102 operations · 35 acting · 1 human-in-the-loop

## Security (2)

- **Payments Ai Authentication** — http · 1 scheme
- **Payments Ai Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Payments Ai Plans Pricing**

## Tags

Company, Payments, AI, FinTech, Merchant of Record, Payment Orchestration

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