# PayNearMe

**Canonical:** https://apis.io/providers/paynearme/  
**Website:** https://home.paynearme.com/  
**APIs profiled:** 0

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.

## Kin Score — 34.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 34.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Payments**: 50.0 (matched via tags).

## Agent readiness — 16.7 (agent-aware)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Paynearme Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Fintech, Payments, Billing, ACH, Cash Payments, Digital Wallet, Lending, iGaming, Webhook

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