# Peach Payments

**Canonical:** https://apis.io/providers/peachpayments/  
**Website:** https://www.peachpayments.com/  
**APIs profiled:** 6

Peach Payments is a pan-African payment orchestration gateway founded in 2012 in Cape Town, South Africa, operating across South Africa, Kenya, and Mauritius. Its PCI DSS Level 1 platform exposes REST APIs for Checkout (Hosted, Embedded, Embedded Express), server-to-server Payments, Payment Links, Payouts, and Reconciliation, supporting cards plus local methods like PayShap, Capitec Pay, 1Voucher, Mobicred, M-PESA, and MauCAS in ZAR, KES, and MUR.

## Kin Score — 67.6 / 100 (exemplar)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 67.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 68.4 |
| Governance | 20.8 |
| Operational Transparency | 71.1 |
| Developer Ergonomics | 73.4 |
| Commercial Clarity | 89.5 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 43.5 (agent-ready)

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

## Access

Paid · Self-serve signup — onboarding: self-serve, pricing: paid, trial: no (confidence: high).

## APIs (6)

- **Peach Payments Authentication API** — OAuth 2.0 token generation for Checkout, Payouts, and Reconciliation.
- **Peach Payments Checkout API** — Hosted, Embedded, and Embedded Express checkout sessions.
- **Peach Payments Payment Links API** — Shareable, single-use and bulk payment links.
- **Peach Payments Payments API** — Server-to-server debit and refund transactions.
- **Peach Payments Payouts API** — Merchant-initiated payouts and bank account verification.
- **Peach Payments Reconciliation API** — Settlement and transaction reconciliation reporting.

## MCP servers (1)

- **peachpayments-mcp.yml**

## Agentic access (1)

- **Peachpayments Agentic Access** — 13 operations · 7 acting · 1 human-in-the-loop

## Security (4)

- **Peachpayments Authentication** — http/inline-credentials · 3 schemes
- **Peachpayments Domain Security** — TLSv1.3 · HSTS · DMARC
- **Peachpayments Vulnerability Disclosure** — Hackerone · contact published
- **Peachpayments Trust Center** — PCI DSS Level 1, PCI DSS v4.0

## Plans (1)

- **Peachpayments Plans Pricing**

## Tags

Payments, Fintech, Africa, Payment Gateway, Checkout, Payouts

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