PayNearMe website screenshot

PayNearMe

PayNearMe is a modern payments platform that helps businesses accept, disburse, and manage payments across cash, card, ACH, digital wallets and pay-by-bank while lowering the total cost of acceptance by increasing acceptance rates, driving self-service, and simplifying payment exceptions. It is best known for its cash-at-retail network of 62,000+ locations (7-Eleven, CVS, Walmart, Walgreens, Kroger, Casey's, Family Dollar, Dollar General and more) alongside a full electronic billing and payments stack. PayNearMe serves auto and consumer lending, credit unions, iGaming and sports betting, buy-here-pay-here dealers, tolling, mortgage servicing, and law firms, and integrates with merchant loan-management and dealer platforms through server-to-server callbacks (webhooks) and a partner API. This profile was added to the API Evangelist network from a VC portfolio lead and enriched from PayNearMe's public developer, security, and integration surface.

PayNearMe is profiled on the APIs.io network. Tagged areas include Company, Fintech, Payments, Billing, and ACH.

The PayNearMe catalog on APIs.io includes 1 event-driven AsyncAPI specification.

PayNearMe’s developer surface includes documentation, support, engineering blog, signup flow, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
34.2/100 thin ▬ flat Agent 17/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
0 APIs
CompanyFintechPaymentsBillingACHCash PaymentsDigital WalletLendingiGamingWebhook

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 34.2/100 · thin
Contract Quality 9.6 / 21
Developer Ergonomics 2.8 / 17
Access Clarity 7.2 / 17
Operational Transparency 1.2 / 11
Contract Governance 1.9 / 10
Discoverability 4.3 / 9
Regulatory Posture 7.5 / 15
Agent readiness — 17/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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/. This rating is computed from github.com/api-evangelist/paynearme: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Paynearme Callbacks Webhooks

ASYNCAPI

Security Posture 1

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

Paynearme Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login
Login
 SignUp
SignUp

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance
 Webhooks
Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: paynearme
name: PayNearMe
description: PayNearMe is a modern payments platform that helps businesses accept, disburse, and manage payments across cash,
  card, ACH, digital wallets and pay-by-bank while lowering the total cost of acceptance by increasing acceptance rates, driving
  self-service, and simplifying payment exceptions. It is best known for its cash-at-retail network of 62,000+ locations (7-Eleven,
  CVS, Walmart, Walgreens, Kroger, Casey's, Family Dollar, Dollar General and more) alongside a full electronic billing and
  payments stack. PayNearMe serves auto and consumer lending, credit unions, iGaming and sports betting, buy-here-pay-here
  dealers, tolling, mortgage servicing, and law firms, and integrates with merchant loan-management and dealer platforms through
  server-to-server callbacks (webhooks) and a partner API. This profile was added to the API Evangelist network from a VC
  portfolio lead and enriched from PayNearMe's public developer, security, and integration surface.
url: https://raw.githubusercontent.com/api-evangelist/paynearme/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://s31799.pcdn.co/wp-content/themes/paynearme-sage-theme-07.08.26/public/images/global/logo.46cdfe.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- costanoa-ventures
- true-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Payments
- Billing
- ACH
- Cash Payments
- Digital Wallet
- Lending
- iGaming
- Webhook
tags_raw:
- Company
- Fintech
- Payments
- Billing
- ACH
- Cash Payments
- Digital Wallets
- Lending
- iGaming
- Webhooks
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://home.paynearme.com/
- type: Documentation
  url: https://paynearme.zendesk.com/hc/en-us
- type: Support
  url: https://paynearme.zendesk.com/
- type: Blog
  url: https://home.paynearme.com/blog/
- type: GitHubOrganization
  url: https://github.com/paynearme
- type: Login
  url: https://paynearme.com/single_sign_on
- type: SignUp
  url: https://home.paynearme.com/contact-us/
- type: TermsOfService
  url: https://paynearme.com/doc/bn_user/tos
- type: PrivacyPolicy
  url: https://paynearme.com/doc/bn_user/privacy
- type: Integrations
  url: https://home.paynearme.com/partners/
- type: Compliance
  url: https://home.paynearme.com/data-security/
- type: Conformance
  url: conformance/paynearme-conformance.yml
- type: Webhooks
  url: asyncapi/paynearme-callbacks-webhooks.yml
- type: DomainSecurity
  url: security/paynearme-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 3
  pass: local-v1