Payments Canada website screenshot

Payments Canada

Payments Canada (formerly the Canadian Payments Association) is the public-purpose organization created by federal statute (the Canadian Payments Act) that owns and operates Canada's core national payment clearing and settlement infrastructure, under the oversight of the Bank of Canada and the Minister of Finance. Its members are Canada's financial institutions. It operates Lynx (the high-value, ISO 20022 real-time gross settlement system that replaced LVTS), the Automated Clearing Settlement System (ACSS, Canada's retail batch/ACH rail), and is building the Real-Time Rail (RTR) — a 24/7/365 irrevocable faster-payments system fully based on the ISO 20022 messaging standard. Payments Canada is payments infrastructure, distinct from Canada's Consumer-Driven Banking (open banking) framework, which is legislated but not yet operational and overseen by the FCAC. It runs a real, publicly registerable API developer portal (developer.payments.ca, launched February 19, 2020) exposing member/registered-user sandbox and data-extract APIs — including downloadable RTR sandbox OpenAPI specifications — secured with OAuth2 client-credentials (Consumer Key/Secret via Apigee); production access is license/agreement gated.

Payments Canada publishes 10 APIs on the APIs.io network, including application level heartbeat API, Ccin Extract Resource API, Fif Branches Resource API, and 7 more. Tagged areas include Financial-Services, Payments, Canada, Payment Infrastructure, and Clearing and Settlement.

Payments Canada’s developer surface includes authentication, sandbox, documentation, getting-started guide, support, and 31 more developer resources.

44.1/100 developing ▬ flat Agent 24/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
AccessSelf serve
8 APIs
Financial-ServicesPaymentsCanadaPayment InfrastructureClearing and SettlementReal-Time RailISO 20022LynxCrown CorporationFaster Payments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
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/.
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/payments-canada: 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 12

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

Lynx Sandbox API

Sandbox APIs giving members access to test-data interactions with Lynx, Canada's high-value ISO 20022 real-time gross settlement system. Access is member-gated (contact your org...

ACSS API

APIs for the Automated Clearing Settlement System (ACSS), Canada's retail batch/ACH clearing rail. Access is member-gated via the developer portal.

Payments Canada application level heartbeat API

The application level heartbeat API from Payments Canada — 1 operation(s) for application level heartbeat.

Payments Canada Interest Report API

The Interest Report API from Payments Canada — 1 operation(s) for interest report.

Payments Canada Report API

The report API from Payments Canada — 1 operation(s) for report.

Payments Canada single credit transfer API

The single credit transfer API from Payments Canada — 1 operation(s) for single credit transfer.

Payments Canada single credit transfer status enquiry API

The single credit transfer status enquiry API from Payments Canada — 1 operation(s) for single credit transfer status enquiry.

Scroll for all 12

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

CCIN Output API

OPEN COLLECTION

CCIN Output API

OPEN COLLECTION

FIF Output API

OPEN COLLECTION

FIF Output API

OPEN COLLECTION

Interest Report

OPEN COLLECTION

Scroll for all 8

Security Posture 2

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

Payments Canada Authentication

apiKey/oauth2 · 2 schemes

SECURITY

Payments Canada Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Payments Canada Scopes

1 scope · clientCredentials

1 scopes

SCOPES

Agentic Access 1

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

Payments Canada Agentic Access

11 operations · 5 acting

11 operations · 5 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Build 3

SDKs, sample code, and the tooling you integrate with

Access & Security 3

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 10

Properties that don't map to a standard resource type

Scroll for all 10

Source (apis.yml)

apis.yml Raw ↑
aid: payments-canada
url: https://raw.githubusercontent.com/api-evangelist/payments-canada/refs/heads/main/apis.yml
name: Payments Canada
kind: company
description: Payments Canada (formerly the Canadian Payments Association) is the public-purpose organization created by federal
  statute (the Canadian Payments Act) that owns and operates Canada's core national payment clearing and settlement infrastructure,
  under the oversight of the Bank of Canada and the Minister of Finance. Its members are Canada's financial institutions.
  It operates Lynx (the high-value, ISO 20022 real-time gross settlement system that replaced LVTS), the Automated Clearing
  Settlement System (ACSS, Canada's retail batch/ACH rail), and is building the Real-Time Rail (RTR) — a 24/7/365 irrevocable
  faster-payments system fully based on the ISO 20022 messaging standard. Payments Canada is payments infrastructure, distinct
  from Canada's Consumer-Driven Banking (open banking) framework, which is legislated but not yet operational and overseen
  by the FCAC. It runs a real, publicly registerable API developer portal (developer.payments.ca, launched February 19, 2020)
  exposing member/registered-user sandbox and data-extract APIs — including downloadable RTR sandbox OpenAPI specifications
  — secured with OAuth2 client-credentials (Consumer Key/Secret via Apigee); production access is license/agreement gated.
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: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Payments
- Canada
- Payment Infrastructure
- Clearing and Settlement
- Real-Time Rail
- ISO 20022
- Lynx
- Crown Corporation
- Faster Payments
tags_raw:
- Financial Services
- Payments
- Canada
- Payment Infrastructure
- Clearing and Settlement
- Real-Time Rail
- ISO 20022
- Lynx
- Crown Corporation
- Faster Payments
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: payments-canada:lynx-sandbox-api
  name: Lynx Sandbox API
  description: Sandbox APIs giving members access to test-data interactions with Lynx, Canada's high-value ISO 20022 real-time
    gross settlement system. Access is member-gated (contact your organization's Access Officer / Security Officer); no downloadable
    OpenAPI is published publicly for Lynx.
  humanURL: https://developer.payments.ca/lynx-sandbox-api/apis
  tags:
  - Lynx
  - High-Value Payments
  - ISO 20022
  properties:
  - type: Documentation
    url: https://developer.payments.ca/lynx-sandbox-api/apis
- aid: payments-canada:acss-api
  name: ACSS API
  description: APIs for the Automated Clearing Settlement System (ACSS), Canada's retail batch/ACH clearing rail. Access is
    member-gated via the developer portal.
  humanURL: https://developer.payments.ca/acss-api/apis
  tags:
  - ACSS
  - Retail Payments
  - Clearing and Settlement
  properties:
  - type: Documentation
    url: https://developer.payments.ca/acss-api/apis
- aid: payments-canada:payments-canada-application-level-heartbeat-api
  name: Payments Canada application level heartbeat API
  description: The application level heartbeat API from Payments Canada — 1 operation(s) for application level heartbeat.
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - application level heartbeat
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-application-level-heartbeat-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-ccin-extract-resource-api
  name: Payments Canada Ccin Extract Resource API
  description: Ccin Extract Resource
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - ccin-extract-resource
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-ccin-extract-resource-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-fif-branches-resource-api
  name: Payments Canada Fif Branches Resource API
  description: Fif Branches Resource
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - fif-branches-resource
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-fif-branches-resource-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-fif-extracts-resource-api
  name: Payments Canada Fif Extracts Resource API
  description: Fif Extracts Resource
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - fif-extracts-resource
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-fif-extracts-resource-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-interest-report-api
  name: Payments Canada Interest Report API
  description: The Interest Report API from Payments Canada — 1 operation(s) for interest report.
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - Interest Report
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-interest-report-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-master-extract-resource-api
  name: Payments Canada Master Extract Resource API
  description: Master Extract Resource
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - master-extract-resource
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-master-extract-resource-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-report-api
  name: Payments Canada Report API
  description: The report API from Payments Canada — 1 operation(s) for report.
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - Report
  tags_raw:
  - report
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-report-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-single-credit-transfer-api
  name: Payments Canada single credit transfer API
  description: The single credit transfer API from Payments Canada — 1 operation(s) for single credit transfer.
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - single credit transfer
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-single-credit-transfer-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-single-credit-transfer-status-enquiry-api
  name: Payments Canada single credit transfer status enquiry API
  description: The single credit transfer status enquiry API from Payments Canada — 1 operation(s) for single credit transfer
    status enquiry.
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - single credit transfer status enquiry
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-single-credit-transfer-status-enquiry-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
- aid: payments-canada:payments-canada-update-extract-resource-api
  name: Payments Canada Update Extract Resource API
  description: Update Extract Resource
  humanURL: https://developer.payments.ca/rtr-sandbox-api/apis
  baseURL: https://api.payments.ca/rtr-sandbox
  tags:
  - update-extract-resource
  properties:
  - type: OpenAPI
    url: openapi/payments-canada-update-extract-resource-api-openapi.yml
  - type: Documentation
    url: https://developer.payments.ca/rtr-sandbox-api/apis
  - type: APIReference
    url: https://storage.googleapis.com/prod-apigee-bucket-swagger/index.html
  - type: Documentation
    url: https://developer.payments.ca/fif-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/fif-branch-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-extracts-api/apis
  - type: Documentation
    url: https://developer.payments.ca/ccin-lookup-api/apis
common:
- type: CapabilityMap
  url: capabilities/payments-canada-capability-edges.yml
  name: Payments Canada Business Capability Map
- type: Overlay
  url: overlays/rtr-inbound-participant-payment-api-overlay.yaml
- type: Overlay
  url: overlays/rtr-inbound-csp-heartbeat-api-overlay.yaml
- type: Overlay
  url: overlays/rtr-interest-report-api-overlay.yaml
- type: Overlay
  url: overlays/rtr-balance-report-api-overlay.yaml
- type: Overlay
  url: overlays/fif-extracts-api-overlay.yaml
- type: Overlay
  url: overlays/fif-branch-api-overlay.yaml
- type: Overlay
  url: overlays/ccin-extracts-api-overlay.yaml
- type: Overlay
  url: overlays/ccin-lookup-api-overlay.yaml
- type: DomainSecurity
  url: security/payments-canada-domain-security.yml
- type: AgenticAccess
  url: agentic-access/payments-canada-agentic-access.yml
- type: OAuthScopes
  url: scopes/payments-canada-scopes.yml
- type: Authentication
  url: authentication/payments-canada-authentication.yml
- type: Conventions
  url: conventions/payments-canada-conventions.yml
- type: ErrorCatalog
  url: errors/payments-canada-problem-types.yml
- type: Conformance
  url: conformance/payments-canada-conformance.yml
- type: Lifecycle
  url: lifecycle/payments-canada-lifecycle.yml
- type: DataModel
  url: data-model/payments-canada-data-model.yml
- type: WellKnown
  url: well-known/payments-canada-well-known.yml
- type: Sandbox
  url: sandbox/payments-canada-sandbox.yml
- type: X-MCPServerCandidate
  url: mcp/payments-canada-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/payments-canada-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/payments-canada-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://www.payments.ca/
- type: DeveloperPortal
  url: https://developer.payments.ca/
- type: Documentation
  url: https://developer.payments.ca/apis
- type: GettingStarted
  url: https://developer.payments.ca/getting-started
- type: GitHubOrganization
  url: https://github.com/paymentscanada
- type: APIStandards
  url: https://developer.payments.ca/payments-canada-api-standards
- type: Postman
  url: https://github.com/paymentscanada/api-toolkit/tree/develop/postman-collection
- type: Support
  url: https://developer.payments.ca/content/contact-us
- type: TermsOfService
  url: https://developer.payments.ca/legal
- type: PrivacyPolicy
  url: https://developer.payments.ca/legal
- type: LinkedIn
  url: https://www.linkedin.com/company/payments-canada
- type: Twitter
  url: https://twitter.com/paymentscanada
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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