Pin Payments

Pin Payments (Southern Payment Systems Pty Ltd t/a Pin Payments, ABN 46 154 451 582, Melbourne, Australia; a Fat Zebra company) is an online payment gateway for small businesses and platforms, offering ecommerce, recurring payments, payments for platforms, hosted payment pages and foreign-currency billing. The Pin Payments API enables developers to charge cards, manage customers, store payment sources, issue refunds, and run subscriptions through a RESTful JSON interface secured with HTTP Basic authentication.

Pin Payments publishes 4 API contracts indexed on the APIs.io network, including Cards API, Charges API, Customers API, and 1 more. Tagged areas include Payments, Cards, Subscription, Refunds, and Payment Gateway.

The Pin Payments catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Pin Payments’ developer surface includes sandbox, authentication, documentation, API reference, getting-started guide, support, FAQ, and 43 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

60.3/100 strong ▲ 6.5 Agent 27/100 agent aware Front door AI 1/6 silent Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaid

1 published contract 5 Agent Skills

Payments Cards Subscription Refunds Payment Gateway Recurring Payments E-Commerce Australia

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Subscription Billing & Revenue Management

BC-4250

Charges

GET /charges PUT /charges/{charge_token}/capture GET /charges/verify

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 60.3/100 · strong

Contract Quality 10.6 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 8.0 / 15

Operational Transparency 5.3 / 10

Contract Governance 3.2 / 9

Discoverability 5.9 / 8

Regulatory Posture 5.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/pin-payments/"><img src="https://apis.io/badge/pin-payments/card.svg" alt="Pin Payments on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
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) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →

6 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 56.6 — up to +10.9 composite points Ask about this →
Access Clarity scores 53.2 — up to +9.4 composite points Ask about this →
Contract Governance scores 35.6 — up to +7.7 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/pin-payments/apis.yml: open an issue on github.com/api-evangelist/pin-payments 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
Amazon Seller Ecosystem (Selling Partner Appstore, Amazon Ads partners)	list	9.0	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	list	9.0	-	-

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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 4

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

Pin Payments Cards API

Tokenize and retrieve stored card details.

Pin Payments Charges API

Create and manage charges against cards or customers.

Pin Payments Customers API

Store customer profiles with payment sources for repeat billing.

Pin Payments Refunds API

Issue and inspect refunds against charges.

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Pin Payments Cards API

OPEN COLLECTION

Pin Payments Cards Charges API

OPEN COLLECTION

Pin Payments Cards Customers API

OPEN COLLECTION

Pin Payments Cards Refunds API

OPEN COLLECTION

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

pin-payments-3d-secure-charge

AGENT SKILL

pin-payments-authorise-and-capture

AGENT SKILL

pin-payments-charge-a-stored-customer

AGENT SKILL

pin-payments-refund-a-charge

AGENT SKILL

pin-payments-take-a-card-payment

AGENT SKILL

Pin Payments API pricing

Prices published by Pin Payments.

Plan	Price
Standard (pay as you go)	Domestic cards from 1.6% + 30c
Custom	Contact us for custom pricing.

Plan details, limits and sources →

Rate limits

Unpublished API rate limit: API use has exceeded rate limits.

Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Pin Payments Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Pin Payments Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Pin Payments Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Pin Payments Context

3 classes · 31 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Pin Payments API Rules

50 rules · 48 error-severity 1 warn-severity 1 info-severity

SPECTRAL

OpenAPI Overlays 4

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Pin Payments Cards Errors Overlay

3 actions · update · pin-payments-cards-api-openapi.yml

GENERATED

Pin Payments Charges Errors Overlay

11 actions · update · pin-payments-charges-api-openapi.yml

GENERATED

Pin Payments Customers Errors Overlay

12 actions · update · pin-payments-customers-api-openapi.yml

GENERATED

Pin Payments Refunds Errors Overlay

5 actions · update · pin-payments-refunds-api-openapi.yml

GENERATED

JSON Schema 3

Standalone JSON Schema definitions for this provider's data models.

CardCreate

12 properties

JSON SCHEMA

ChargeCreate

14 properties

JSON SCHEMA

CustomerCreate

8 properties

JSON SCHEMA

Security Posture 2

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

Pin Payments Authentication

http · 1 scheme

SECURITY

Pin Payments Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

Pin Payments Agentic Access

24 operations · 11 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

GettingStarted

Signup

Login

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Guides

Guides

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

WellKnown

WellKnown

AgenticAccess

AgenticAccess

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Components

Conventions

Lifecycle

ErrorCatalog

Conformance

Scroll for all 9

Build 5

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

IntegrationEdges

IntegrationEdges

Packages

Packages

GitHubOrganization

GitHubOrganization

SDKs

SDKs

Access & Security 6

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

SecurityTxt

DomainSecurity

Authentication

Security

Operate 5

Status, limits, changes, and where to get help

Deprecation

RateLimits

Support

FAQ

StatusPage

Commercial 5

Pricing, plans, and the legal terms of use

Plans

FinOps

Pricing

TermsOfService

PrivacyPolicy

Company 4

The organization behind the API

LinkedIn

Website

Website

Newsroom

Newsroom

Blog

Blog

Other 5

Properties that don't map to a standard resource type

Overlay

Hosts

Vendors

CapabilityMap

Source (apis.yml)

aid: pin-payments
name: Pin Payments
description: Pin Payments (Southern Payment Systems Pty Ltd t/a Pin Payments, ABN 46 154 451 582, Melbourne, Australia; a
  Fat Zebra company) is an online payment gateway for small businesses and platforms, offering ecommerce, recurring payments,
  payments for platforms, hosted payment pages and foreign-currency billing. The Pin Payments API enables developers to charge
  cards, manage customers, store payment sources, issue refunds, and run subscriptions through a RESTful JSON interface secured
  with HTTP Basic authentication.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  probe_state: covered
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-13'
  method: derived
position: Consuming
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/pin-payments.png
tags:
- Payments
- Cards
- Subscription
- Refunds
- Payment Gateway
- Recurring Payments
- E-Commerce
- Australia
tags_raw:
- Payments
- Cards
- Subscriptions
- Refunds
created: '2025-02-17'
modified: '2026-10-21'
url: https://raw.githubusercontent.com/api-evangelist/pin-payments/refs/heads/main/apis.yml
specificationVersion: '0.23'
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
common:
- type: SecurityTxt
  url: well-known/pin-payments-pin-security.txt
- type: SecurityTxt
  url: well-known/pin-payments-api-security.txt
- type: Spectral
  url: rules/pin-payments-rules.yml
- type: JSONLD
  url: json-ld/pin-payments-context.jsonld
- type: Vocabulary
  url: vocabulary/pin-payments-vocabulary.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/pin-payments-data-model.yml
- type: Components
  url: components/pin-payments-components.yml
- type: Conventions
  url: conventions/pin-payments-conventions.yml
- type: Sandbox
  url: sandbox/pin-payments-sandbox.yml
- type: Deprecation
  url: lifecycle/pin-payments-lifecycle.yml
- type: Lifecycle
  url: lifecycle/pin-payments-lifecycle.yml
- type: DeclineCodes
  url: errors/pin-payments-decline-codes.yml
- type: ErrorCatalog
  url: errors/pin-payments-problem-types.yml
- type: Conformance
  url: conformance/pin-payments-conformance.yml
- type: Overlay
  url: overlays/pin-payments-cards-errors-overlay.yaml
- type: SecurityTxt
  url: well-known/pin-payments-apis-security.txt
- type: WellKnown
  url: well-known/pin-payments-well-known.yml
- type: Hosts
  url: hosts/pin-payments-hosts.yml
- type: IntegrationEdges
  url: integrations/pin-payments-integration-edges.yml
- type: Vendors
  url: vendors/pin-payments-vendors.yml
- type: Packages
  url: packages/pin-payments-packages.yml
- type: Plans
  url: plans/pin-payments-plans-pricing.yml
- type: RateLimits
  url: rate-limits/pin-payments-rate-limits.yml
- type: FinOps
  url: finops/pin-payments-finops.yml
- type: CapabilityMap
  url: capabilities/pin-payments-capability-edges.yml
  name: Pin Payments Business Capability Map
- type: AgenticAccess
  url: agentic-access/pin-payments-agentic-access.yml
- type: DomainSecurity
  url: security/pin-payments-domain-security.yml
- type: Authentication
  url: authentication/pin-payments-authentication.yml
- type: GitHubOrganization
  url: https://github.com/pinpayments
- type: LinkedIn
  url: https://www.linkedin.com/company/pin-payments
- type: Website
  url: https://pinpayments.com/
- type: Documentation
  url: https://pinpayments.com/developers/integration-guides
- type: APIReference
  url: https://pinpayments.com/developers/api-reference
- type: DeveloperPortal
  url: https://pinpayments.com/developers/libraries
- type: SDKs
  url: https://pinpayments.com/developers/libraries
- type: GettingStarted
  url: https://pinpayments.com/support/getting-started
- type: Support
  url: https://pinpayments.com/support/contact
- type: FAQ
  url: https://pinpayments.com/support/faqs
- type: Guides
  url: https://pinpayments.com/support/guides
- type: StatusPage
  url: https://pin.statuspage.io/
- type: Security
  url: https://pinpayments.com/security
- type: Newsroom
  url: https://pinpayments.com/news
- type: Pricing
  url: https://pinpayments.com/pricing
- type: Signup
  url: https://dashboard.pinpayments.com/sign_up
- type: Login
  url: https://dashboard.pinpayments.com/login
- type: TermsOfService
  url: https://pinpayments.com/terms
- type: PrivacyPolicy
  url: https://pinpayments.com/privacy
- type: Integrations
  url: https://pinpayments.com/integrations
- type: Blog
  url: https://pinpayments.com/blog
- type: X
  url: https://twitter.com/pinpayments
apis:
- aid: pin-payments:pin-payments-cards-api
  name: Pin Payments Cards API
  description: Tokenize and retrieve stored card details.
  humanURL: https://pinpayments.com/developers/api-reference/cards
  baseURL: https://api.pinpayments.com/1
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/pin-payments-cards-api-openapi.yml
  - type: Documentation
    url: https://pinpayments.com/developers/api-reference
  - type: JSONSchema
    url: json-schema/pin-payments-card-create-schema.json
- aid: pin-payments:pin-payments-charges-api
  name: Pin Payments Charges API
  description: Create and manage charges against cards or customers.
  humanURL: https://pinpayments.com/developers/api-reference/charges
  baseURL: https://api.pinpayments.com/1
  tags:
  - Charges
  properties:
  - type: OpenAPI
    url: openapi/pin-payments-charges-api-openapi.yml
  - type: Documentation
    url: https://pinpayments.com/developers/api-reference
  - type: JSONSchema
    url: json-schema/pin-payments-charge-create-schema.json
- aid: pin-payments:pin-payments-customers-api
  name: Pin Payments Customers API
  description: Store customer profiles with payment sources for repeat billing.
  humanURL: https://pinpayments.com/developers/api-reference/customers
  baseURL: https://api.pinpayments.com/1
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/pin-payments-customers-api-openapi.yml
  - type: Documentation
    url: https://pinpayments.com/developers/api-reference
  - type: JSONSchema
    url: json-schema/pin-payments-customer-create-schema.json
- aid: pin-payments:pin-payments-refunds-api
  name: Pin Payments Refunds API
  description: Issue and inspect refunds against charges.
  humanURL: https://pinpayments.com/developers/api-reference/refunds
  baseURL: https://api.pinpayments.com/1
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/pin-payments-refunds-api-openapi.yml
  - type: Documentation
    url: https://pinpayments.com/developers/api-reference
x-coverage:
  state: covered
  reason: identity-verified
  detail: Website pinpayments.com verified 2026-10-21; footer names Southern Payment Systems Pty Ltd t/a Pin Payments, "A
    Fat Zebra company" (links www.fatzebra.com). legals/* ToS and privacy URLs were dead and replaced with footer links.
  evidence:
  - url: https://pinpayments.com/
    status: 200
  - url: https://pinpayments.com/developers/integration-guides
    status: 200
  - url: https://pinpayments.com/support/getting-started
    status: 200
  - url: https://pinpayments.com/status
    status: 200
  - url: https://github.com/pinpayments
    status: 200
integrations:
- name: Shopping Carts
- name: Bookings
- name: Ticketing
- name: Point of Sale
- name: Accounting
- name: Invoicing
- name: Subscriptions
- name: Other
- name: Hikashop Ecommerce solution for Joomla sites.
- name: OpenCart Free open source ecommerce software.
- name: SimplySwim Swim school management software.
x-enrichment:
  date: '2026-10-21'
  status: enriched
  artifacts_added: 36
  pass: modular-v1
  engine: identity=anthropic,contract=anthropic,surfaces=anthropic,docs=anthropic,regulatory=anthropic

Pin Payments API — frequently asked questions

Does Pin Payments have an API?

Yes. APIs.io lists 4 APIs from Pin Payments, including Pin Payments Cards API, Pin Payments Charges API and Pin Payments Customers API, and 1 more.

Is there an OpenAPI specification for the Pin Payments API?

Yes. APIs.io indexes 4 OpenAPI specifications for Pin Payments, each linked for download from this page.

How do I authenticate with the Pin Payments API?

Pin Payments uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Pin Payments Authentication.

How much does the Pin Payments API cost?

Pin Payments publishes its prices; its Standard (pay as you go) plan is Domestic cards from 1.6% + 30c as of 2026-10-21. APIs.io lists 2 pricing plans for Pin Payments, with each plan's price, limits and inclusions under Pricing on this page.

Is the Pin Payments API ready for AI agents?

Pin Payments has a Kin Score of 60.3 out of 100 (strong) and an Agent Readiness score of 26.9 (agent-aware), scored by API Evangelist on 2026-11-13.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/pin-payments"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/pin-payments/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/pin-payments/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.