Payrails

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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: '0.23'
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: X-MCPServerCandidate
  url: mcp/payrails-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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