Pinch Payments

Pinch Payments is an Australian, Brisbane-based payment orchestration and payment-facilitator platform that automates invoice collection and receivables for service businesses, bookkeepers, and software platforms across Australia and New Zealand. Marketing itself as "Aussie-Made Payments Infrastructure," Pinch lets merchants accept direct debit (bank account) and card payments (Visa, Mastercard, American Express), build payment plans and subscriptions, tokenise payment sources client-side with its CaptureJS library, and reconcile settlements back into Xero, QuickBooks, and MYOB. Its Glassbox / Managed Merchants offering is a Payfac-as-a-Service seam with KYC, compliance, and sub-merchant onboarding for platforms acting as aggregators or marketplaces. Pinch is genuinely API-first: it ships a fully documented REST API (JSON, OAuth2 client-credentials auth), a ReadMe-hosted developer portal with a live API explorer, per-product OpenAPI 3.1 definitions, a published Postman collection, an official .NET SDK, Zapier/n8n/viaSocket no-code connectors, webhooks for real-time events, and an llms.txt + docs MCP server for AI-assisted integration.

Pinch Payments publishes 10 APIs on the APIs.io network, including Pinch Core API, Pinch Payers API, and 8 more. Tagged areas include Payments, Australia, Payment Gateway, Payment Processing, and Direct Debit.

The Pinch Payments catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Pinch Payments’ developer surface includes authentication, documentation, API reference, getting-started guide, pricing, engineering blog, signup flow, and 31 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.4/100 strong ▬ flat Agent 59/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

10 APIs 1 MCP Servers

PaymentsAustraliaPayment GatewayPayment ProcessingDirect DebitCard PaymentsSubscriptionsBillingPayment FacilitatorAccount-to-AccountNew Zealand

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 56.4/100 · strong

Contract Quality 13.1 / 21

Developer Ergonomics 13.6 / 17

Commercial Clarity 7.6 / 17

Operational Transparency 5.8 / 11

Governance 1.2 / 10

Discoverability 6.9 / 9

Regulatory Posture 8.2 / 15

Agent readiness — 59/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

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.

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/. This rating is computed from github.com/api-evangelist/pinch-payments: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

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

Open Collections 10

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Scopes 1

OAuth scopes governing access to this provider's APIs.

Pinch Payments Scopes

1 scope · clientCredentials

1 scopes

SCOPES

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

MCPServer

LLMsTxt

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

Components

DataModel

Webhooks

Scroll for all 8

Build 7

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace

PostmanWorkspace

GitHubOrganization

Postman

Packages

SDKs

ToolCrosswalk

DeclineCodes

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 4

Status, limits, changes, and where to get help

StatusPage

HelpCenter

Deprecation

ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: pinch-payments
url: https://raw.githubusercontent.com/api-evangelist/pinch-payments/refs/heads/main/apis.yml
name: Pinch Payments
kind: company
description: 'Pinch Payments is an Australian, Brisbane-based payment orchestration and payment-facilitator platform that
  automates invoice collection and receivables for service businesses, bookkeepers, and software platforms across Australia
  and New Zealand. Marketing itself as "Aussie-Made Payments Infrastructure," Pinch lets merchants accept direct debit (bank
  account) and card payments (Visa, Mastercard, American Express), build payment plans and subscriptions, tokenise payment
  sources client-side with its CaptureJS library, and reconcile settlements back into Xero, QuickBooks, and MYOB. Its Glassbox
  / Managed Merchants offering is a Payfac-as-a-Service seam with KYC, compliance, and sub-merchant onboarding for platforms
  acting as aggregators or marketplaces. Pinch is genuinely API-first: it ships a fully documented REST API (JSON, OAuth2
  client-credentials auth), a ReadMe-hosted developer portal with a live API explorer, per-product OpenAPI 3.1 definitions,
  a published Postman collection, an official .NET SDK, Zapier/n8n/viaSocket no-code connectors, webhooks for real-time events,
  and an llms.txt + docs MCP server for AI-assisted integration.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Payment Gateway
- Payment Processing
- Direct Debit
- Card Payments
- Subscriptions
- Billing
- Payment Facilitator
- Account-to-Account
- New Zealand
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: pinch-payments:pinch-payments-core
  name: Pinch Core API
  description: Core Pinch REST API covering scheduled and realtime payments, plans and subscriptions, refunds, fees, events,
    and health — 14 paths / 19 operations. Assembled verbatim from Pinch's published per-endpoint OpenAPI 3.1 definitions.
  humanURL: https://docs.getpinch.com.au/reference/things-to-know
  baseURL: https://api.getpinch.com.au
  tags:
  - Payments
  - Subscriptions
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-core.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/pinch-payments-api-core-concepts
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/things-to-know
- aid: pinch-payments:pinch-payments-payments
  name: Pinch Payments API
  description: Payments product surface — create/update scheduled payments, take realtime card payments, retrieve and list
    payments, check payment nonces, and delete payments; 7 paths / 8 operations.
  humanURL: https://docs.getpinch.com.au/reference/save-payment
  baseURL: https://api.getpinch.com.au
  tags:
  - Payments
  - Direct Debit
  - Card Payments
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-payments.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/credit-card-payments
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/realtime-payment
- aid: pinch-payments:pinch-payments-payers
  name: Pinch Payers API
  description: Manage payer records and their payment sources (bank account or credit card) plus client-side tokenisation
    — create/update, retrieve, list, and delete payers and payment sources; 4 paths / 6 operations.
  humanURL: https://docs.getpinch.com.au/reference/save-payer
  baseURL: https://api.getpinch.com.au
  tags:
  - Payers
  - Tokenisation
  - Payment Sources
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-payers.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/pinch-payments-api-core-concepts
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/save-payer
- aid: pinch-payments:pinch-payments-payment-links
  name: Pinch Payment Links API
  description: Generate hosted payment pages (payment links) and share them via email, SMS, or chat with no frontend work
    — create, retrieve, list by payer, and delete payment links; 3 paths / 5 operations.
  humanURL: https://docs.getpinch.com.au/reference/create-payment-link
  baseURL: https://api.getpinch.com.au
  tags:
  - Payment Links
  - Hosted Checkout
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-payment-links.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/payment-links
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/create-payment-link
- aid: pinch-payments:pinch-payments-merchants
  name: Pinch Merchants API
  description: Payfac-as-a-Service / Managed Merchants — create sub-merchant accounts under your own credentials, update merchant
    details, list managed merchants, and upload compliance documents; 3 paths / 4 operations.
  humanURL: https://docs.getpinch.com.au/reference/create-managed-merchant
  baseURL: https://api.getpinch.com.au
  tags:
  - Payment Facilitator
  - Managed Merchants
  - Onboarding
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-merchants.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/managed-merchants
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/create-managed-merchant
- aid: pinch-payments:pinch-payments-webhooks
  name: Pinch Webhooks API
  description: Configure webhooks to receive real-time notifications about Pinch events (payer created, payment success/failure,
    bank results, subscription lifecycle) — create/update, list, retrieve, and delete webhooks; 2 paths / 4 operations.
  humanURL: https://docs.getpinch.com.au/reference/create-or-update-webhook
  baseURL: https://api.getpinch.com.au
  tags:
  - Webhooks
  - Events
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-webhooks.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/webhooks
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/create-or-update-webhook
- aid: pinch-payments:pinch-payments-contacts
  name: Pinch Contacts API
  description: Manage contact records for the authenticated merchant — create/update, retrieve a single contact, list contacts
    (paginated), and delete contacts; 2 paths / 4 operations.
  humanURL: https://docs.getpinch.com.au/reference/save-contact
  baseURL: https://api.getpinch.com.au
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-contacts.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/pinch-payments-api-core-concepts
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/save-contact
- aid: pinch-payments:pinch-payments-transfers
  name: Pinch Transfers API
  description: Reconcile settlements — list all transfers of settled funds to your bank account, retrieve a transfer, and
    list its line items back to the underlying payments; 3 paths / 3 operations.
  humanURL: https://docs.getpinch.com.au/reference/list-all-transfers
  baseURL: https://api.getpinch.com.au
  tags:
  - Transfers
  - Settlement
  - Reconciliation
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-transfers.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/transfers-in-pinch-payments
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/list-all-transfers
- aid: pinch-payments:pinch-payments-merchant-financial-data
  name: Pinch Merchant Financial Data API
  description: Retrieve the current merchant financial data record and create/update merchant financial data used in compliance
    and onboarding; 2 paths / 2 operations.
  humanURL: https://docs.getpinch.com.au/reference/getcurrentmerchantfinancialdata
  baseURL: https://api.getpinch.com.au
  tags:
  - Merchant Financial Data
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-merchant-financial-data.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/compliance-process
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/getcurrentmerchantfinancialdata
- aid: pinch-payments:pinch-payments-authentication
  name: Pinch Authentication API
  description: OAuth2 client-credentials token endpoint — POST /connect/token with HTTP Basic (merchant ID + secret key) and
    scope api1 to obtain a short-lived Bearer JWT used against the Pinch API; served from auth.getpinch.com.au.
  humanURL: https://docs.getpinch.com.au/reference/tokens
  baseURL: https://auth.getpinch.com.au
  tags:
  - Authentication
  - OAuth2
  properties:
  - type: OpenAPI
    url: openapi/pinch-payments-authentication.yml
  - type: Documentation
    url: https://docs.getpinch.com.au/docs/application-authentication
  - type: APIReference
    url: https://docs.getpinch.com.au/reference/tokens
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/pinch-payments/overview
- type: OAuthScopes
  url: scopes/pinch-payments-scopes.yml
- type: AgenticAccess
  url: agentic-access/pinch-payments-agentic-access.yml
- type: DomainSecurity
  url: security/pinch-payments-domain-security.yml
- type: Authentication
  url: authentication/pinch-payments-authentication.yml
- type: Website
  url: https://getpinch.com.au/
- type: DeveloperPortal
  url: https://docs.getpinch.com.au/
- type: Documentation
  url: https://docs.getpinch.com.au/
- type: APIReference
  url: https://docs.getpinch.com.au/reference/things-to-know
- type: GettingStarted
  url: https://docs.getpinch.com.au/docs/get-started-with-the-pinch-api
- type: GitHubOrganization
  url: https://github.com/PinchPayments
- type: Postman
  url: https://github.com/PinchPayments/postman-pinch-api
- type: StatusPage
  url: https://status.getpinch.com.au/
- type: Pricing
  url: https://getpinch.com.au/pricing
- type: Blog
  url: https://getpinch.com.au/blog
- type: HelpCenter
  url: https://helpdesk.getpinch.com.au/
- type: SignUp
  url: https://app.getpinch.com.au/register
- type: TermsOfService
  url: https://getpinch.com.au/Legal/Terms/
- type: PrivacyPolicy
  url: https://getpinch.com.au/Legal/Privacy/
- type: Packages
  url: packages/pinch-payments-packages.yml
- type: SDKs
  url: packages/pinch-payments-packages.yml
  name: Pinch .NET SDK (NuGet)
- type: MCPServer
  url: mcp/pinch-payments-mcp.yml
  name: Pinch API Docs MCP
- type: ToolCrosswalk
  url: mcp/pinch-payments-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/pinch-payments-llms.txt
- type: Overlay
  url: overlays/pinch-payments-core-overlay.yaml
- type: Conformance
  url: conformance/pinch-payments-conformance.yml
- type: ErrorCatalog
  url: errors/pinch-payments-problem-types.yml
- type: DeclineCodes
  url: errors/pinch-payments-decline-codes.yml
- type: Lifecycle
  url: lifecycle/pinch-payments-lifecycle.yml
- type: Deprecation
  url: https://docs.getpinch.com.au/docs/versioning
- type: Sandbox
  url: sandbox/pinch-payments-sandbox.yml
- type: Conventions
  url: conventions/pinch-payments-conventions.yml
- type: Idempotency
  url: conventions/pinch-payments-conventions.yml
- type: ChangeLog
  url: changelog/pinch-payments-changelog.yml
- type: Components
  url: components/pinch-payments-components.yml
- type: DataModel
  url: data-model/pinch-payments-data-model.yml
- type: Webhooks
  url: asyncapi/pinch-payments-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com