Paystone

Paystone is a Canadian payment processing and customer-engagement company headquartered in London, Ontario, positioning itself as one of the country's largest bank-independent payment processors. It sells card-present terminals, online checkout and hosted payment pages, virtual terminals, invoicing, and recurring billing to Canadian small and mid-sized businesses, and layers loyalty, gift-card, and reputation-marketing products on top of the payment rails. Paystone owns DataCandy, a long-standing Canadian gift-card and loyalty platform, and it is DataCandy that carries Paystone's public, self-serve, documented API surface: a live API Platform (Hydra/JSON-LD) REST API at api.paystone.com covering merchants, clients, contacts, gift/loyalty/ prepaid/promo account types, transactions, member and balance portals, and webhooks, authenticated with JWT bearer tokens and documented through an interactive Swagger UI. Paystone's core card-acquiring and payment-gateway processing is delivered as a merchant product rather than a publicly self-serve developer API, so the honest developer story here is the DataCandy gift-and-loyalty platform API, not a public payments/acquiring API.

Paystone publishes 14 API contracts indexed on the APIs.io network, including Balance Portal API, Client Management API, Contact API, and 11 more. Tagged areas include Payments, Canada, Payment Processing, Acquiring, and Gift Cards.

The Paystone catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Paystone’s developer surface includes engineering blog, authentication, documentation, API reference, pricing, signup flow, and 24 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

52.5/100 developing ▬ flat Agent 31/100 agent ready Front door AI 1/6 silent Heartbeat 36/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 published contract 3 Agent Skills

Payments Canada Payment Processing Acquiring Gift Cards Loyalty Subscription Billing Merchant Services

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Customer Relationship Management

BC-420

Loyalty Account TypeLoyalty TransactionReward

GET /loyalty-transactions GET /v1/clients/{accessKey}/account-types/loyalty GET /rewards/{id}

Developer Platform & API Ecosystem Management

BC-4270

Webhook Management

POST /webhooks

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 52.5/100 · developing

Contract Quality 11.0 / 19

Developer Ergonomics 7.1 / 15

Access Clarity 12.6 / 15

Operational Transparency 1.8 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Operational Transparency scores 18.4 — up to +10.6 composite points
Developer Ergonomics scores 47.0 — up to +10.6 composite points
Contract Quality scores 58.7 — up to +10.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/paystone/apis.yml: open an issue on github.com/api-evangelist/paystone to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 14

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

Paystone Balance Portal API

The Balance Portal API from Paystone — 1 operation(s) for balance portal.

Paystone Client Management API

The Client Management API from Paystone — 3 operation(s) for client management.

Paystone Contact API

Resource 'Contact' operations.

Paystone Gift Account Type API

The Gift Account Type API from Paystone — 2 operation(s) for gift account type.

Paystone Item API

Resource 'Item' operations.

Paystone Loyalty Account Type API

The Loyalty Account Type API from Paystone — 2 operation(s) for loyalty account type.

Paystone Loyalty Transaction API

The Loyalty Transaction API from Paystone — 2 operation(s) for loyalty transaction.

Paystone Member Portal API

The Member Portal API from Paystone — 1 operation(s) for member portal.

Paystone Merchant Management API

The Merchant Management API from Paystone — 5 operation(s) for merchant management.

Paystone Prepaid Transaction API

The Prepaid Transaction API from Paystone — 2 operation(s) for prepaid transaction.

Paystone Promo Account Type API

The Promo Account Type API from Paystone — 2 operation(s) for promo account type.

Paystone Reward API

Resource 'Reward' operations.

Paystone User Management API

The User Management API from Paystone — 2 operation(s) for user management.

Paystone Webhook Management API

The Webhook Management API from Paystone — 2 operation(s) for webhook management.

Scroll for all 14

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Onboard a DataCandy client and its first merchant

AGENT SKILL

Reconcile loyalty and prepaid transactions

AGENT SKILL

Subscribe to DataCandy webhooks

AGENT SKILL

Paystone API pricing

Prices published by Paystone, read 2026-10-28 from www.paystone.com/pricing.

Plan	Price
In-person Credit Card Processing	AS LOW AS 1.26% + 5¢ per transaction
In-person Debit Card Processing	AS LOW AS 5¢ per transaction
Monthly Subscription - Merchant Account	$5/mo
Online Credit Card Processing	AS LOW AS 2.27% + 25¢ per transaction
Monthly Subscription - Payment Gateway	15$/mo
Setup fee	Our $99 setup fee covers the time and work it takes to get your solution set up.

Plan details, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Paystone Plans Pricing

6 plans

PLANS

Paystone Price Estimates

0 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Paystone

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Paystone Finops

FINOPS

Event Specifications 1

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

Paystone Datacandy Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Paystone API Rules

60 rules · 56 errors 3 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Paystone Datacandy Overlay

2 actions · update · paystone-datacandy-openapi.yml

DERIVED

Security Posture 2

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

Paystone Authentication

http · 1 scheme

SECURITY

Paystone Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Paystone Agentic Access

38 operations · 11 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Login

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

StatusPage

StatusPage

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 4

The organization behind the API

Blog

BlogRSS

Website

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: paystone
url: https://raw.githubusercontent.com/api-evangelist/paystone/refs/heads/main/apis.yml
name: Paystone
kind: company
description: 'Paystone is a Canadian payment processing and customer-engagement company headquartered in London, Ontario,
  positioning itself as one of the country''s largest bank-independent payment processors. It sells card-present terminals,
  online checkout and hosted payment pages, virtual terminals, invoicing, and recurring billing to Canadian small and mid-sized
  businesses, and layers loyalty, gift-card, and reputation-marketing products on top of the payment rails. Paystone owns
  DataCandy, a long-standing Canadian gift-card and loyalty platform, and it is DataCandy that carries Paystone''s public,
  self-serve, documented API surface: a live API Platform (Hydra/JSON-LD) REST API at api.paystone.com covering merchants,
  clients, contacts, gift/loyalty/ prepaid/promo account types, transactions, member and balance portals, and webhooks, authenticated
  with JWT bearer tokens and documented through an interactive Swagger UI. Paystone''s core card-acquiring and payment-gateway
  processing is delivered as a merchant product rather than a publicly self-serve developer API, so the honest developer story
  here is the DataCandy gift-and-loyalty platform API, not a public payments/acquiring API.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Canada
- Payment Processing
- Acquiring
- Gift Cards
- Loyalty
- Subscription
- Billing
- Merchant Services
tags_raw:
- Payments
- Canada
- Payment Processing
- Acquiring
- Gift Cards
- Loyalty
- Subscriptions
- Billing
- Merchant Services
tags_original:
- Payments
- Canada
- Payment Processing
- Gift Cards
- Loyalty
created: '2026-07-24'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: paystone:paystone-balance-portal-api
  name: Paystone Balance Portal API
  description: The Balance Portal API from Paystone — 1 operation(s) for balance portal.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Balance Portal
  properties:
  - type: OpenAPI
    url: openapi/paystone-balance-portal-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-client-management-api
  name: Paystone Client Management API
  description: The Client Management API from Paystone — 3 operation(s) for client management.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Client Management
  properties:
  - type: OpenAPI
    url: openapi/paystone-client-management-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-contact-api
  name: Paystone Contact API
  description: Resource 'Contact' operations.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Contact
  properties:
  - type: OpenAPI
    url: openapi/paystone-contact-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-gift-account-type-api
  name: Paystone Gift Account Type API
  description: The Gift Account Type API from Paystone — 2 operation(s) for gift account type.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Gift Account Type
  properties:
  - type: OpenAPI
    url: openapi/paystone-gift-account-type-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-item-api
  name: Paystone Item API
  description: Resource 'Item' operations.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Item
  properties:
  - type: OpenAPI
    url: openapi/paystone-item-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-loyalty-account-type-api
  name: Paystone Loyalty Account Type API
  description: The Loyalty Account Type API from Paystone — 2 operation(s) for loyalty account type.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Loyalty Account Type
  properties:
  - type: OpenAPI
    url: openapi/paystone-loyalty-account-type-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-loyalty-transaction-api
  name: Paystone Loyalty Transaction API
  description: The Loyalty Transaction API from Paystone — 2 operation(s) for loyalty transaction.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Loyalty Transaction
  properties:
  - type: OpenAPI
    url: openapi/paystone-loyalty-transaction-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-member-portal-api
  name: Paystone Member Portal API
  description: The Member Portal API from Paystone — 1 operation(s) for member portal.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Member Portal
  properties:
  - type: OpenAPI
    url: openapi/paystone-member-portal-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-merchant-management-api
  name: Paystone Merchant Management API
  description: The Merchant Management API from Paystone — 5 operation(s) for merchant management.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Merchant Management
  properties:
  - type: OpenAPI
    url: openapi/paystone-merchant-management-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-prepaid-transaction-api
  name: Paystone Prepaid Transaction API
  description: The Prepaid Transaction API from Paystone — 2 operation(s) for prepaid transaction.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Prepaid Transaction
  properties:
  - type: OpenAPI
    url: openapi/paystone-prepaid-transaction-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-promo-account-type-api
  name: Paystone Promo Account Type API
  description: The Promo Account Type API from Paystone — 2 operation(s) for promo account type.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Promo Account Type
  properties:
  - type: OpenAPI
    url: openapi/paystone-promo-account-type-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-reward-api
  name: Paystone Reward API
  description: Resource 'Reward' operations.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Reward
  properties:
  - type: OpenAPI
    url: openapi/paystone-reward-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-user-management-api
  name: Paystone User Management API
  description: The User Management API from Paystone — 2 operation(s) for user management.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - User Management
  properties:
  - type: OpenAPI
    url: openapi/paystone-user-management-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
- aid: paystone:paystone-webhook-management-api
  name: Paystone Webhook Management API
  description: The Webhook Management API from Paystone — 2 operation(s) for webhook management.
  humanURL: https://api.paystone.com/docs
  baseURL: https://api.paystone.com
  tags:
  - Webhook Management
  properties:
  - type: OpenAPI
    url: openapi/paystone-webhook-management-api-openapi.yml
  - type: Documentation
    url: https://api.paystone.com/docs
  - type: APIReference
    url: https://api.paystone.com/docs
common:
- type: Plans
  url: plans/paystone-plans-pricing.yml
- url: https://www.paystone.com/resources/tag/blog
  type: Blog
- url: https://www.paystone.com/resources/rss.xml
  type: BlogRSS
- type: CapabilityMap
  url: capabilities/paystone-capability-edges.yml
  name: Paystone Business Capability Map
- type: Authentication
  url: authentication/paystone-authentication.yml
- type: AgenticAccess
  url: agentic-access/paystone-agentic-access.yml
- type: DomainSecurity
  url: security/paystone-domain-security.yml
- type: Conventions
  url: conventions/paystone-conventions.yml
- type: ErrorCatalog
  url: errors/paystone-problem-types.yml
- type: Lifecycle
  url: lifecycle/paystone-lifecycle.yml
- type: Conformance
  url: conformance/paystone-conformance.yml
- type: DataModel
  url: data-model/paystone-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/paystone-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: Webhooks
  url: asyncapi/paystone-datacandy-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/paystone-llms.txt
- type: Overlay
  url: overlays/paystone-datacandy-overlay.yaml
- type: Website
  url: https://www.paystone.com/
- type: DeveloperPortal
  url: https://api.paystone.com/docs
- type: Documentation
  url: https://api.paystone.com/docs
- type: APIReference
  url: https://api.paystone.com/docs
- type: Pricing
  url: https://www.paystone.com/pricing
- type: Blog
  url: https://www.paystone.com/resources
- type: HelpCenter
  url: https://help.paystone.com/
- type: StatusPage
  url: https://status.paystone.com
- type: Login
  url: https://hub.paystone.com/login
- type: SignUp
  url: https://start.paystone.com/sign-up
- type: TermsOfService
  url: https://www.paystone.com/legal
- type: PrivacyPolicy
  url: https://www.paystone.com/legal
- type: GitHubOrganization
  url: https://github.com/Paystone
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Paystone API — frequently asked questions

Does Paystone have an API?

Yes. APIs.io lists 14 APIs from Paystone, including Paystone Balance Portal API, Paystone Client Management API and Paystone Contact API, and 11 more.

Is there an OpenAPI specification for the Paystone API?

Yes. APIs.io indexes 14 OpenAPI specifications for Paystone, each linked for download from this page.

How do I authenticate with the Paystone API?

Paystone uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Paystone Authentication.

How much does the Paystone API cost?

Paystone publishes its prices; its In-person Credit Card Processing plan is AS LOW AS 1.26% + 5¢ per transaction as of 2026-10-28. APIs.io lists 6 pricing plans for Paystone, with each plan's price, limits and inclusions under Pricing on this page.

Is the Paystone API ready for AI agents?

Paystone has a Kin Score of 52.5 out of 100 (developing) and an Agent Readiness score of 30.5 (agent-ready), scored by API Evangelist on 2026-11-06.

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