# Peoples Group

**Canonical:** https://apis.io/providers/peoples-group/  
**Website:** https://www.peoplesgroup.com/  
**APIs profiled:** 5

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.

## Kin Score — 21.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 21.1).

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Payments**: 42.2 (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 |

## APIs (5)

- **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 (1)

- **Peoples Group Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## 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

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