# PayPay

**Canonical:** https://apis.io/providers/paypay/  
**Website:** https://developer.paypay.ne.jp/  
**APIs profiled:** 2

PayPay is Japan's largest QR/barcode mobile-payment network (a SoftBank / Yahoo Japan / Paytm joint venture) with tens of millions of users. Its Open Payment API (OPA v2) lets payment partners and merchants collect payments from PayPay wallet users through dynamic QR codes, web checkout (Web Cashier), app-invoke deep links, and a pre-authorize-and-capture flow. The REST API (base //apigw.paypay.ne.jp) is secured with HMAC-SHA256 request signatures, settles in JPY, sends transaction webhooks plus daily reconciliation files, and ships official Node, PHP, Python and Java SDKs under the github.com/paypay organization.

## Kin Score — 38.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 38.1).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 55.9 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 49.4 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 26.6 (matched via tags).

## Agent readiness — 45.0 (agent-ready)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **PayPay Payment API** — Everything involved in the payment life cycle
- **PayPay Payments API** — The Payments API from PayPay — 1 operation(s) for payments.

## MCP servers (1)

- **PayPay MCP Server**

## Agentic access (1)

- **Paypay Agentic Access** — 10 operations · 7 acting

## Security (2)

- **Paypay Authentication** — http/hmac · 2 schemes
- **Paypay Domain Security** — TLSv1.3

## Tags

Company, Fintech, Payments, Mobile Payments, QR Code Payments, Digital Wallet, Japan, Merchant Payments

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