Peoples Group

Peoples Group is the operating name of Peoples Trust Company, a Vancouver-based Canadian trust company and chartered-bank group founded in 1985 and owned by the Triple Five Group. Alongside its mortgage, deposit, and commercial-lending businesses, Peoples Group runs a fintech and payments arm that provides embedded banking-as-a-service to program managers, fintechs, brokers, and merchants across Canada: prepaid and credit card issuing under Visa and Mastercard BIN sponsorship, merchant acquiring, trust account services, and API-driven money movement including Interac e-Transfer (send, request money, and autodeposit), Electronic Funds Transfer (EFT) for CAD and USD debits and credits, bill payment to more than 12,000 Canadian billers, and push-to-card payouts via Visa Direct and Mastercard Send. In February 2026 Peoples Group partnered with Fiserv to build a next-generation, always-on payments platform carrying rich ISO 20022 data over direct connections to Canada's payment systems, positioning it for Payments Canada's Real-Time Rail. Its APIs are real and in production, but access is partnership- and sales-gated: there is no public self-serve developer portal, no downloadable OpenAPI/Swagger specification, and no public Postman workspace. Integration is arranged through a client relationship and the product documentation lives on the corporate fintech site.

Peoples Group publishes 5 APIs on the APIs.io network. Tagged areas include Payments, Canada, Banking as a Service, Card Issuing, and Money Movement.

Peoples Group’s developer surface includes documentation, support, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

21.1/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

5 APIs

Payments Canada Banking as a Service Card Issuing Money MovementInterac e-TransferEFT Bill Payments Merchant Acquiring Real-Time Payments ISO 20022BIN Sponsorship

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 21.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 4.7 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.1 / 9

Regulatory Posture 6.3 / 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

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 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/.

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 github.com/api-evangelist/peoples-group: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

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

Peoples Group Interac e-Transfer API

API-driven Interac e-Transfer for Canadian money movement, supporting Send Money, Request Money, Receive AutoDeposit, and Receive Question-and-Answer flows so program managers a...

Peoples Group EFT API

Electronic Funds Transfer API for pre-authorized debits and credits to and from Canadian-domiciled accounts in CAD and USD, used for disbursements, remittances, payroll, and loa...

Peoples Group Bill Pay API

Bill payment API that processes payments to more than 12,000 billers across Canada, with support for individual, batch, and recurring payments. Access is provided to Peoples Gro...

Peoples Group Push-to-Card API (Visa Direct & Mastercard Send)

Real-time push-to-card disbursements via Visa Direct and Mastercard Send, letting clients pay out funds directly to eligible Visa and Mastercard cards for B2B and B2C use cases....

Peoples Group Card Issuing

Prepaid and credit card issuing through Visa and Mastercard BIN sponsorship for fintech program managers in Canada, with the integration technology and APIs to launch and manage...

Security Posture 1

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

Peoples Group Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Security

Security

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

aid: peoples-group
url: https://raw.githubusercontent.com/api-evangelist/peoples-group/refs/heads/main/apis.yml
name: Peoples Group
kind: company
description: 'Peoples Group is the operating name of Peoples Trust Company, a Vancouver-based Canadian trust company and chartered-bank
  group founded in 1985 and owned by the Triple Five Group. Alongside its mortgage, deposit, and commercial-lending businesses,
  Peoples Group runs a fintech and payments arm that provides embedded banking-as-a-service to program managers, fintechs,
  brokers, and merchants across Canada: prepaid and credit card issuing under Visa and Mastercard BIN sponsorship, merchant
  acquiring, trust account services, and API-driven money movement including Interac e-Transfer (send, request money, and
  autodeposit), Electronic Funds Transfer (EFT) for CAD and USD debits and credits, bill payment to more than 12,000 Canadian
  billers, and push-to-card payouts via Visa Direct and Mastercard Send. In February 2026 Peoples Group partnered with Fiserv
  to build a next-generation, always-on payments platform carrying rich ISO 20022 data over direct connections to Canada''s
  payment systems, positioning it for Payments Canada''s Real-Time Rail. Its APIs are real and in production, but access is
  partnership- and sales-gated: there is no public self-serve developer portal, no downloadable OpenAPI/Swagger specification,
  and no public Postman workspace. Integration is arranged through a client relationship and the product documentation lives
  on the corporate fintech site.'
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: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Canada
- Banking as a Service
- Card Issuing
- Money Movement
- Interac e-Transfer
- EFT
- Bill Payments
- Merchant Acquiring
- Real-Time Payments
- ISO 20022
- BIN Sponsorship
tags_raw:
- Payments
- Canada
- Banking-as-a-Service
- Card Issuing
- Money Movement
- Interac e-Transfer
- EFT
- Bill Payment
- Merchant Acquiring
- Real-Time Payments
- ISO 20022
- BIN Sponsorship
created: '2026-07-24'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: peoples-group:peoples-group-interac-etransfer-api
  name: Peoples Group Interac e-Transfer API
  description: API-driven Interac e-Transfer for Canadian money movement, supporting Send Money, Request Money, Receive AutoDeposit,
    and Receive Question-and-Answer flows so program managers and fintech clients can move funds in near real time to and
    from Canadian bank accounts. Access is arranged through a Peoples Group client relationship; no public OpenAPI specification
    is published.
  humanURL: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
  tags:
  - Interac e-Transfer
  - Real-Time Payments
  - Money Movement
  properties:
  - type: Documentation
    url: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
- aid: peoples-group:peoples-group-eft-api
  name: Peoples Group EFT API
  description: Electronic Funds Transfer API for pre-authorized debits and credits to and from Canadian-domiciled accounts
    in CAD and USD, used for disbursements, remittances, payroll, and loading prepaid cards, with support for individual,
    batch, and recurring transactions. Partnership-gated; no downloadable spec is published.
  humanURL: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
  tags:
  - EFT
  - ACH
  - Money Movement
  properties:
  - type: Documentation
    url: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
- aid: peoples-group:peoples-group-bill-pay-api
  name: Peoples Group Bill Pay API
  description: Bill payment API that processes payments to more than 12,000 billers across Canada, with support for individual,
    batch, and recurring payments. Access is provided to Peoples Group clients; no public OpenAPI/Swagger definition is available.
  humanURL: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
  tags:
  - Bill Payments
  - Money Movement
  tags_raw:
  - Bill Payment
  - Money Movement
  properties:
  - type: Documentation
    url: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
- aid: peoples-group:peoples-group-push-to-card-api
  name: Peoples Group Push-to-Card API (Visa Direct & Mastercard Send)
  description: Real-time push-to-card disbursements via Visa Direct and Mastercard Send, letting clients pay out funds directly
    to eligible Visa and Mastercard cards for B2B and B2C use cases. Built on the card networks' rails and offered to Peoples
    Group clients; no public developer portal or downloadable spec is published.
  humanURL: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
  tags:
  - Visa Direct
  - Mastercard Send
  - Push to Card
  - Disbursements
  properties:
  - type: Documentation
    url: https://www.peoplesgroup.com/fintech/solutions/payments/money-movement
- aid: peoples-group:peoples-group-card-issuing
  name: Peoples Group Card Issuing
  description: Prepaid and credit card issuing through Visa and Mastercard BIN sponsorship for fintech program managers in
    Canada, with the integration technology and APIs to launch and manage card programs. Access is sales- and partnership-gated;
    no public self-serve developer portal or downloadable OpenAPI specification is published.
  humanURL: https://www.peoplesgroup.com/fintech/solutions/payments/card-issuing
  tags:
  - Card Issuing
  - BIN Sponsorship
  - Prepaid
  properties:
  - type: Documentation
    url: https://www.peoplesgroup.com/fintech/solutions/payments/card-issuing
common:
- type: DomainSecurity
  url: security/peoples-group-domain-security.yml
- type: Website
  url: https://www.peoplesgroup.com/
- type: Documentation
  url: https://www.peoplesgroup.com/fintech/solutions/payments
- type: Documentation
  url: https://www.peoplesgroup.com/fintech
- type: Support
  url: https://www.peoplesgroup.com/contact-us
- type: Login
  url: https://www.peoplesgroup.com/personal/portal-login
- type: TermsOfService
  url: https://www.peoplesgroup.com/about-us/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.peoplesgroup.com/about-us/legal/privacy-security/privacy-policy
- type: Security
  url: https://www.peoplesgroup.com/about-us/legal/privacy-security
- type: LinkedIn
  url: https://ca.linkedin.com/company/peoples-group-of-companies
- type: Blog
  url: https://www.peoplesgroup.com/about-us/news-insights/press-releases
- type: Conformance
  url: conformance/peoples-group-conformance.yml
- type: LLMsTxt
  url: llms/peoples-group-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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