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.
Paymentus publishes 2 APIs on the APIs.io network. Tagged areas include Payments, United States, Bill Payment, Electronic Bill Presentment, and Payment Processing.
Paymentus’ developer surface includes API reference, engineering blog, support, authentication, and 20 more developer resources.
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 thre...
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.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- 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: '0.19'
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 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
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