Payrails

Payrails is a modular payment and financial infrastructure platform — "the operating system for profitable growth" — that gives merchants unified control over payments, tokenization, and financial data. Its API and SDKs orchestrate payments across many payment service providers (Adyen, Stripe, Checkout.com, Braintree, Klarna, and 100+ local methods), with a PCI-certified token vault, network tokenization, 3D Secure, a no-code Workflow Studio for routing and decisioning, automated reconciliation, chargeback/dispute management, fraud screening, and unified analytics. Authentication is OAuth 2.0 client-credentials (plus optional mTLS); events are delivered as HMAC-signed webhooks. Used by Eneba, PUMA, Vinted, Preply, inDrive, Just Eat, and Careem.

Payrails publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, Payment Orchestration, Fintech, and Tokenization.

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

Payrails’ developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, changelog, and 28 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.3/100 developing ▬ flat Agent 52/100 agent ready Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs 1 MCP Servers
CompanyPaymentsPayment OrchestrationFintechTokenizationFraudDisputesReconciliationCheckoutFinancial Infrastructure

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 51.3/100 · developing
Contract Quality 5.7 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 7.4 / 20
Operational Transparency 8.2 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 52/100 · agent ready
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
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/payrails: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Payrails API

Payrails' REST API for payment orchestration — executions and payment actions (authorize, confirm, capture, cancel, refund, payout), instruments and tokens, the PCI vault, provi...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

payrails-mcp.yml

MCP SERVER

Event Specifications 1

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

Payrails Notifications Webhooks

ASYNCAPI

Security Posture 4

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

Payrails Authentication

oauth2/mutualTLS · 3 schemes

SECURITY

Payrails Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Payrails Vulnerability Disclosure

disclosure policy published

SECURITY

Payrails Trust Center

PCI DSS, GDPR

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 AgentSkill
AgentSkill
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Idempotency
Idempotency
 Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 Components
Components
 DataModel
DataModel
 Conformance
Conformance

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 DeclineCodes
DeclineCodes
 Packages
Packages
 SDKs
SDKs

Access & Security 6

Authentication, authorization, and security posture

Authentication
Authentication
 Compliance
Compliance
 DomainSecurity
DomainSecurity
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 TrustCenter
TrustCenter

Operate 4

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 Deprecation
Deprecation
 ChangeLog
ChangeLog

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: payrails
name: Payrails
description: Payrails is a modular payment and financial infrastructure platform — "the operating system for profitable growth"
  — that gives merchants unified control over payments, tokenization, and financial data. Its API and SDKs orchestrate payments
  across many payment service providers (Adyen, Stripe, Checkout.com, Braintree, Klarna, and 100+ local methods), with a PCI-certified
  token vault, network tokenization, 3D Secure, a no-code Workflow Studio for routing and decisioning, automated reconciliation,
  chargeback/dispute management, fraud screening, and unified analytics. Authentication is OAuth 2.0 client-credentials (plus
  optional mTLS); events are delivered as HMAC-signed webhooks. Used by Eneba, PUMA, Vinted, Preply, inDrive, Just Eat, and
  Careem.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://www.payrails.com/favicon.ico
url: https://raw.githubusercontent.com/api-evangelist/payrails/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- eqt-ventures
- general-catalyst
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Payments
- Payment Orchestration
- Fintech
- Tokenization
- Fraud
- Disputes
- Reconciliation
- Checkout
- Financial Infrastructure
apis:
- name: Payrails API
  description: Payrails' REST API for payment orchestration — executions and payment actions (authorize, confirm, capture,
    cancel, refund, payout), instruments and tokens, the PCI vault, providers and workflow configuration, disputes, fraud,
    3DS, reports, SSO, and workspaces.
  humanURL: https://docs.payrails.com/reference
  baseURL: https://api.payrails.io
  properties:
  - type: Documentation
    url: https://docs.payrails.com/docs
  - type: APIReference
    url: https://docs.payrails.com/reference
  - type: Authentication
    url: authentication/payrails-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.payrails.com/
- type: DeveloperPortal
  url: https://docs.payrails.com/docs
- type: Documentation
  url: https://docs.payrails.com/docs
- type: APIReference
  url: https://docs.payrails.com/reference
- type: GettingStarted
  url: https://docs.payrails.com/docs/set-up-your-payrails-account-and-environment
- type: Blog
  url: https://www.payrails.com/blog
- type: Support
  url: https://www.payrails.com/contact
- type: GitHubOrganization
  url: https://github.com/payrails
- type: TermsOfService
  url: https://www.payrails.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.payrails.com/privacy-policy
- type: StatusPage
  url: https://status.payrails.com
- type: Authentication
  url: authentication/payrails-authentication.yml
- type: Idempotency
  url: conventions/payrails-conventions.yml
- type: Conventions
  url: conventions/payrails-conventions.yml
- type: ErrorCatalog
  url: errors/payrails-problem-types.yml
- type: DeclineCodes
  url: errors/payrails-decline-codes.yml
- type: Lifecycle
  url: lifecycle/payrails-lifecycle.yml
- type: Deprecation
  url: https://docs.payrails.com/docs/v6-migration-guide
- type: ChangeLog
  url: https://docs.payrails.com/docs/v6-migration-guide
- type: Sandbox
  url: sandbox/payrails-sandbox.yml
- type: Webhooks
  url: asyncapi/payrails-notifications-webhooks.yml
- type: Packages
  url: packages/payrails-packages.yml
- type: SDKs
  url: packages/payrails-packages.yml
- type: Components
  url: components/payrails-components.yml
- type: MCPServer
  url: mcp/payrails-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/payrails-data-model.yml
- type: Conformance
  url: conformance/payrails-conformance.yml
- type: Compliance
  url: https://www.payrails.com/security
- type: WellKnown
  url: well-known/payrails-well-known.yml
- type: DomainSecurity
  url: security/payrails-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/payrails-vulnerability-disclosure.yml
- type: Security
  url: https://www.payrails.com/security
- type: TrustCenter
  url: security/payrails-trust-center.yml
- type: LLMsTxt
  url: llms/payrails-llms.txt
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 22
  pass: local-v1