Paymentus

aid: paymentus
url: https://raw.githubusercontent.com/api-evangelist/paymentus/refs/heads/main/apis.yml
name: Paymentus
kind: company
description: 'Paymentus (NYSE: PAY) is a Addison, Texas-based cloud billing and payment technology company founded in 2004
  that operates one of the largest electronic bill presentment and payment (EBPP) networks in North America. Its Intelligent
  Payment Platform, Instant Payment Network (IPN), BillWallet, and Profit by Paymentus (AP/AR) products let utilities, government
  agencies, insurers, telecom, healthcare, higher education, and financial institutions accept and disburse payments across
  web, mobile, IVR, call center, and agent channels using cards, ACH/eCheck, cash, and digital wallets (PayPal, Venmo, Apple
  Pay, Google Pay). Its home market is the United States. Paymentus is API-native but its developer surface is access-controlled:
  the developer portal at developer.paymentus.io is live and public, yet the full API reference, specifications, and testing
  environment sit behind a request-access / NDA gate. A public Node.js Server SDK (@paymentus/core, @paymentus/auth, @paymentus/xotp)
  documents the real payment (XOTP) surface, JWT/pre-shared-key authentication, granular OAuth-style scopes, and production
  base URLs. No downloadable OpenAPI/Swagger specification is published on the public web as of this review.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United States
- Bill Payments
- Electronic Bill Presentment
- Payment Processing
- Payment Gateway
- Disbursements
- ACH
- Real-Time Payments
- Tokenization
tags_raw:
- Payments
- United States
- Bill Payment
- Electronic Bill Presentment
- Payment Processing
- Payment Gateway
- Disbursements
- ACH
- Real-Time Payments
- Tokenization
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: paymentus:paymentus-xotp-api
  name: Paymentus XOTP API
  description: The XOTP (Paymentus payment) API exposes core Service Commerce operations — make payment (Sale), account inquiry,
    payment history, void/cancel payment, customer profile create/read/update/delete and list, wallet/payment-method tokenization,
    linked accounts, and AutoPay management. Requests carry a Bearer JWT and are scoped with granular XOTP scopes. Documented
    publicly via the @paymentus/xotp Node.js SDK and the developer portal reference tables; the full interactive reference
    requires portal access.
  humanURL: https://developer.paymentus.io/docs/Reference
  baseURL: https://api.paymentus.com
  tags:
  - Payments
  - Bill Payments
  - Tokenization
  - AutoPay
  - Disbursements
  tags_raw:
  - Payments
  - Bill Payment
  - Tokenization
  - AutoPay
  - Disbursements
  properties:
  - type: Documentation
    url: https://developer.paymentus.io/
  - type: APIReference
    url: https://developer.paymentus.io/docs/Reference
  - type: SDK
    url: https://www.npmjs.com/package/@paymentus/xotp
- aid: paymentus:paymentus-authentication-api
  name: Paymentus Authentication API
  description: The Authentication API issues short-lived JWT access tokens for the XOTP payment surface. A client signs a
    request with a pre-shared key (identified by a key id / kid and a three-letter application acronym / tla), declares the
    granular scopes it needs (for example xotp, xotp:profile, xotp:payment, xotp:autopay, xotp:accounts) or a pixel that maps
    to those scopes, and receives a Bearer token used on subsequent XOTP calls. Documented publicly via the @paymentus/auth
    Node.js SDK.
  humanURL: https://developer.paymentus.io/
  baseURL: https://api.paymentus.com
  tags:
  - Authentication
  - JWT
  - Scopes
  properties:
  - type: Documentation
    url: https://developer.paymentus.io/
  - type: SDK
    url: https://www.npmjs.com/package/@paymentus/auth
common:
- type: TrustCenter
  url: security/paymentus-trust-center.yml
- type: DomainSecurity
  url: security/paymentus-domain-security.yml
- type: Website
  url: https://www.paymentus.com/
- type: DeveloperPortal
  url: https://developer.paymentus.io/
- type: APIReference
  url: https://developer.paymentus.io/docs/Reference
- type: StatusPage
  url: https://status.paymentus.com/
- type: GitHubOrganization
  url: https://github.com/paymentus
- type: LinkedIn
  url: https://www.linkedin.com/company/paymentus/
- type: TermsOfService
  url: https://www.paymentus.com/customer-terms-privacy/website-condition-of-use/
- type: PrivacyPolicy
  url: https://www.paymentus.com/customer-terms-privacy/website-privacy-notice-united-states/
- type: InvestorRelations
  url: https://ir.paymentus.com/
- type: Blog
  url: https://www.paymentus.com/industry-insights/
- type: Support
  url: https://www.paymentus.com/contact/?form=pay
- type: Packages
  url: packages/paymentus-packages.yml
- type: SDKs
  url: packages/paymentus-packages.yml
- type: Authentication
  url: authentication/paymentus-authentication.yml
- type: OAuthScopes
  url: scopes/paymentus-scopes.yml
- type: Conventions
  url: conventions/paymentus-conventions.yml
- type: MCPServer
  url: mcp/paymentus-mcp.yml
- type: Conformance
  url: conformance/paymentus-conformance.yml
- type: Compliance
  url: https://trust.paymentus.com/
- type: Lifecycle
  url: lifecycle/paymentus-lifecycle.yml
- type: DataModel
  url: data-model/paymentus-data-model.yml
- type: LLMsTxt
  url: llms/paymentus-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com