# Paytient

**Canonical:** https://apis.io/providers/paytient/  
**Website:** https://paytient.com  
**APIs profiled:** 0

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.

## Kin Score — 19.5 / 100 (emerging)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 19.5).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 53.9 |
| Access Clarity | 53.9 |

Regulatory layer — **Health**: 31.3 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (3)

- **Paytient Domain Security** — TLSv1.3 · HSTS · DMARC
- **Paytient Vulnerability Disclosure** — contact published
- **Paytient Trust Center** — SOC 2

## Tags

Company, Financial-Services, Healthcare, Payments, Fintech, Health Benefits, Lending

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