# Pinch Payments

**Canonical:** https://apis.io/providers/pinch-payments/  
**Website:** https://getpinch.com.au/  
**APIs profiled:** 10

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.

## Kin Score — 56.4 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 56.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 61.8 |
| Governance | 11.5 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 79.9 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Payments**: 54.7 (matched via tags).

## Agent readiness — 58.8 (agent-native)

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

## APIs (10)

- **Pinch Core API** — Core Pinch REST API covering scheduled and realtime payments, plans and subscriptions, refunds, fees, events, and health — 14 paths / 19 operations. Assembled verbatim from Pinc...
- **Pinch Payments API** — Payments product surface — create/update scheduled payments, take realtime card payments, retrieve and list payments, check payment nonces, and delete payments; 7 paths / 8 oper...
- **Pinch Payers API** — 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...
- **Pinch Payment Links API** — 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 /...
- **Pinch Merchants API** — Payfac-as-a-Service / Managed Merchants — create sub-merchant accounts under your own credentials, update merchant details, list managed merchants, and upload compliance documen...
- **Pinch Webhooks API** — Configure webhooks to receive real-time notifications about Pinch events (payer created, payment success/failure, bank results, subscription lifecycle) — create/update, list, re...
- **Pinch Contacts API** — Manage contact records for the authenticated merchant — create/update, retrieve a single contact, list contacts (paginated), and delete contacts; 2 paths / 4 operations.
- **Pinch Transfers API** — 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 opera...
- **Pinch Merchant Financial Data API** — Retrieve the current merchant financial data record and create/update merchant financial data used in compliance and onboarding; 2 paths / 2 operations.
- **Pinch Authentication API** — 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 Pinc...

## MCP servers (1)

- **Pinch API Docs MCP**

## Agentic access (1)

- **Pinch Payments Agentic Access** — 56 operations · 27 acting

## Security (2)

- **Pinch Payments Authentication** — oauth2/http · 2 schemes
- **Pinch Payments Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Australia, Payment Gateway, Payment Processing, Direct Debit, Card Payments, Subscriptions, Billing, Payment Facilitator, Account-to-Account, New Zealand

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