Paytient

Paytient operates a healthcare payments platform built around the Health Payment Account (HPA) — an interest-free, no-credit-check payment card that lets members pay for medical, dental, vision, pharmacy, and veterinary care and then repay on a self-selected schedule. It is distributed through employers, health plans, insurers, brokers, and providers to reduce out-of-pocket cost friction, and provides employer dashboards for tracking healthcare spend. Paytient is SOC 2 Type II audited and holds NMLS licensure (ID 2040265). The company was surfaced as a portfolio company of Felicis and added to the API Evangelist network; as of this pass it publishes no public developer API, SDKs, OpenAPI, or documentation surface — only a member/employer application and marketing site.

Paytient is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Healthcare, Payments, and Fintech.

Paytient’s developer surface includes pricing, engineering blog, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

18.6/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Financial Services Healthcare Payments Fintech Health Benefits Lending

Kin Score

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

Composite quality — 18.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 9.2 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 2.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 Health 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 2.4 — up to +19.5 composite points
Contract Governance scores 0.0 — up to +12.0 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/paytient/apis.yml: open an issue on github.com/api-evangelist/paytient 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
HCM and Payroll Marketplaces (ADP, Workday, UKG, Paylocity)	undeclared	-	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	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.

Security Posture 3

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

Paytient Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Paytient Vulnerability Disclosure

contact published

SECURITY

Paytient Trust Center

SOC 2

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Access & Security 5

Authentication, authorization, and security posture

Security

Security

Compliance

Compliance

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: paytient
name: Paytient
description: Paytient operates a healthcare payments platform built around the Health Payment Account (HPA) — an interest-free,
  no-credit-check payment card that lets members pay for medical, dental, vision, pharmacy, and veterinary care and then repay
  on a self-selected schedule. It is distributed through employers, health plans, insurers, brokers, and providers to reduce
  out-of-pocket cost friction, and provides employer dashboards for tracking healthcare spend. Paytient is SOC 2 Type II audited
  and holds NMLS licensure (ID 2040265). The company was surfaced as a portfolio company of Felicis and added to the API Evangelist
  network; as of this pass it publishes no public developer API, SDKs, OpenAPI, or documentation surface — only a member/employer
  application and marketing site.
url: https://raw.githubusercontent.com/api-evangelist/paytient/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- felicis
x-tier: stub
x-tier-reason: portfolio-lead
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
image: https://cdn.prod.website-files.com/631eddfd322acf4bde169f3f/69cd3cd08d2fab3a5a631e51_Paytient_Webclip_Webflow_256x256_Light.png
tags:
- Company
- Financial Services
- Healthcare
- Payments
- Fintech
- Health Benefits
- Lending
tags_raw:
- Company
- Financial Services
- Healthcare
- Payments
- Fintech
- Health Benefits
- Lending
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://paytient.com
- type: Pricing
  url: https://www.paytient.com/pricing
- type: Blog
  url: https://www.paytient.com/blog
- type: PrivacyPolicy
  url: https://www.paytient.com/privacy
- type: TermsOfService
  url: https://www.paytient.com/terms
- type: Login
  url: https://my.paytient.com/login
- type: Security
  url: https://www.paytient.com/security
- type: Compliance
  url: https://www.paytient.com/security
- type: TrustCenter
  url: security/paytient-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/paytient-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/paytient-domain-security.yml
x-enrichment:
  date: '2026-07-20'
  status: minimal
  artifacts_added: 3
  pass: local-v1

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