# Paymentus

**Canonical:** https://apis.io/providers/paymentus/  
**Website:** https://www.paymentus.com/  
**APIs profiled:** 2

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.

## Kin Score — 34.5 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.5).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 42.9 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Payments**: 75.0 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (2)

- **Paymentus XOTP API** — The XOTP (Paymentus payment) API exposes core Service Commerce operations — make payment (Sale), account inquiry, payment history, void/cancel payment, customer profile create/r...
- **Paymentus Authentication API** — 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...

## MCP servers (1)

- **Paymentus MCP Server**

## Security (3)

- **Paymentus Authentication** — http/oauth2 · 1 scheme
- **Paymentus Domain Security** — TLSv1.3 · HSTS · DMARC
- **Paymentus Trust Center** — SOC 2, PCI DSS, HIPAA

## Tags

Payments, United States, Bill Payments, Electronic Bill Presentment, Payment Processing, Payment Gateway, Disbursements, ACH, Real-Time Payments, Tokenization

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