ProcessOut

ProcessOut is a payments technical layer and orchestration platform that standardizes how merchants connect to 100+ payment providers (PSPs and alternative payment methods). It provides a PCI DSS card vault, tokenization for recurring and one-click payments, dynamic no-code checkout, ML-based smart routing to lift authorization rates and cut cost, plus analytics and transaction reconciliation. The REST API (https://api.processout.com) authenticates with HTTP Basic project keys, supports idempotency keys and webhooks, and ships first-party SDKs for Node.js, Python, Ruby, PHP and Go plus client-side ProcessOut.js and iOS/Android. A hosted MCP server exposes the API and docs to AI agents. Originally a Techstars company, ProcessOut is now part of Checkout.com.

ProcessOut publishes 10 API contracts indexed on the APIs.io network, including Balances API, Cards API, Customers API, and 7 more. Tagged areas include Payments, Payment Orchestration, Smart Routing, Tokenization, and Checkout.

The ProcessOut catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

ProcessOut’s developer surface includes authentication, sandbox, documentation, API reference, getting-started guide, support, engineering blog, and 34 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

53.4/100 developing ▬ flat Agent 48/100 agent native Front door AI 3/6 light Heartbeat 51/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 1 MCP Servers 4 Agent Skills

Payments Payment Orchestration Smart Routing Tokenization Checkout Reconciliation Fraud Prevention 3D Secure Company

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 53.4/100 · developing

Contract Quality 10.2 / 19

Developer Ergonomics 9.0 / 15

Access Clarity 4.3 / 15

Operational Transparency 5.9 / 10

Contract Governance 2.9 / 9

Discoverability 5.4 / 8

Regulatory Posture 6.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 48/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

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 7 / 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

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/.

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

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
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)
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
Dry-Run / Simulate Mode +4 pts — OpenAPI: destructive operations expose a dry_run / simulate / preview / validate_only parameter

2 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 28.9 — up to +14.2 composite points
Contract Quality scores 54.6 — up to +11.4 composite points
Contract Governance scores 31.8 — up to +8.2 composite points

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.

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/processout/apis.yml: open an issue on github.com/api-evangelist/processout 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
Official SDKs on Packagist, pub.dev and Hex	distribution	28.7	-	-

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 3

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.

3-D Secure

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

OpenAPI

measured — observed by APIs.io (published)

APIs 10

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

ProcessOut Balances API

The Balances API from ProcessOut — 1 operation(s) for balances.

ProcessOut Cards API

The Cards API from ProcessOut — 2 operation(s) for cards.

ProcessOut Customers API

The Customers API from ProcessOut — 3 operation(s) for customers.

ProcessOut Events API

The Events API from ProcessOut — 1 operation(s) for events.

ProcessOut Invoices API

The Invoices API from ProcessOut — 6 operation(s) for invoices.

ProcessOut Network Tokens API

The Network Tokens API from ProcessOut — 1 operation(s) for network tokens.

ProcessOut Payouts API

The Payouts API from ProcessOut — 3 operation(s) for payouts.

ProcessOut Projects API

The Projects API from ProcessOut — 1 operation(s) for projects.

ProcessOut Transactions API

The Transactions API from ProcessOut — 1 operation(s) for transactions.

ProcessOut Uploads API

The Uploads API from ProcessOut — 3 operation(s) for uploads.

Scroll for all 10

Open Collections 10

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

ProcessOut Balances API

OPEN COLLECTION

ProcessOut Balances Cards API

OPEN COLLECTION

ProcessOut Balances Customers API

OPEN COLLECTION

ProcessOut Balances Events API

OPEN COLLECTION

ProcessOut Balances Invoices API

OPEN COLLECTION

ProcessOut Balances Network Tokens API

OPEN COLLECTION

ProcessOut Balances Payouts API

OPEN COLLECTION

ProcessOut Balances Projects API

OPEN COLLECTION

ProcessOut Balances Transactions API

OPEN COLLECTION

ProcessOut Balances Uploads API

OPEN COLLECTION

Scroll for all 10

MCP Servers 1

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

ProcessOut MCP Server

ProcessOut publishes an official, hosted (remote) Model Context Protocol server that gives AI code editors (Cursor, Windsurf) and assistants (Claude Desktop) direct access to th...

MCP SERVER

Agent Skills 4

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

Accept a card payment

AGENT SKILL

Handle a webhook event

AGENT SKILL

Reconcile payouts and reports

AGENT SKILL

Save a token and charge for future payments

AGENT SKILL

Rate Limits 1

Documented rate limits and quota policies.

Processout Rate Limits

1 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Processout Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

ProcessOut API Rules

58 rules · 50 errors 6 warnings 2 info

SPECTRAL

OpenAPI Overlays 1

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.

Processout Openapi Overlay

3 actions · update · processout-openapi.json

DERIVED

Security Posture 3

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

Processout Authentication

http · 1 scheme

SECURITY

Processout Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Processout Vulnerability Disclosure

no policy recorded

SECURITY

Agentic Access 1

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

Processout Agentic Access

26 operations · 16 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox

DeveloperPortal

GettingStarted

SignUp

Documentation 3

Reference material describing how the API behaves

OpenAPI

OpenAPI

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

MCPServer

LLMsTxt

AgenticAccess

AgentSkill

WellKnown

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components

Conventions

Idempotency

ErrorCatalog

DataModel

Lifecycle

Conformance

Webhooks

Scroll for all 8

Build 5

SDKs, sample code, and the tooling you integrate with

Packages

SDKs

DeclineCodes

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

Authentication

Authentication

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 4

Status, limits, changes, and where to get help

RateLimits

RateLimits

StatusPage

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: processout
name: ProcessOut
description: ProcessOut is a payments technical layer and orchestration platform that standardizes how merchants connect to
  100+ payment providers (PSPs and alternative payment methods). It provides a PCI DSS card vault, tokenization for recurring
  and one-click payments, dynamic no-code checkout, ML-based smart routing to lift authorization rates and cut cost, plus
  analytics and transaction reconciliation. The REST API (https://api.processout.com) authenticates with HTTP Basic project
  keys, supports idempotency keys and webhooks, and ships first-party SDKs for Node.js, Python, Ruby, PHP and Go plus client-side
  ProcessOut.js and iOS/Android. A hosted MCP server exposes the API and docs to AI agents. Originally a Techstars company,
  ProcessOut is now part of Checkout.com.
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: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/65688bb5be2a2261a634aa71/65d8bb4c124d1591e814f499_o%20grid.jpg
url: https://raw.githubusercontent.com/api-evangelist/processout/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: profiled
x-tier-reason: enriched
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 22
  pass: local-v1
tags:
- Payments
- Payment Orchestration
- Smart Routing
- Tokenization
- Checkout
- Reconciliation
- Fraud Prevention
- 3D Secure
- Company
tags_raw:
- Payments
- Payment Orchestration
- Smart Routing
- Tokenization
- Checkout
- Reconciliation
- Fraud
- 3-D Secure
- Company
apis:
- aid: processout:processout-balances-api
  name: ProcessOut Balances API
  description: The Balances API from ProcessOut — 1 operation(s) for balances.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Balances
  properties:
  - type: OpenAPI
    url: openapi/processout-balances-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-cards-api
  name: ProcessOut Cards API
  description: The Cards API from ProcessOut — 2 operation(s) for cards.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/processout-cards-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-customers-api
  name: ProcessOut Customers API
  description: The Customers API from ProcessOut — 3 operation(s) for customers.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/processout-customers-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-events-api
  name: ProcessOut Events API
  description: The Events API from ProcessOut — 1 operation(s) for events.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Event
  tags_raw:
  - Events
  properties:
  - type: OpenAPI
    url: openapi/processout-events-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-invoices-api
  name: ProcessOut Invoices API
  description: The Invoices API from ProcessOut — 6 operation(s) for invoices.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/processout-invoices-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-network-tokens-api
  name: ProcessOut Network Tokens API
  description: The Network Tokens API from ProcessOut — 1 operation(s) for network tokens.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Network Tokens
  properties:
  - type: OpenAPI
    url: openapi/processout-network-tokens-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-payouts-api
  name: ProcessOut Payouts API
  description: The Payouts API from ProcessOut — 3 operation(s) for payouts.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/processout-payouts-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-projects-api
  name: ProcessOut Projects API
  description: The Projects API from ProcessOut — 1 operation(s) for projects.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Project
  tags_raw:
  - Projects
  properties:
  - type: OpenAPI
    url: openapi/processout-projects-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-transactions-api
  name: ProcessOut Transactions API
  description: The Transactions API from ProcessOut — 1 operation(s) for transactions.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/processout-transactions-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
- aid: processout:processout-uploads-api
  name: ProcessOut Uploads API
  description: The Uploads API from ProcessOut — 3 operation(s) for uploads.
  humanURL: https://docs.processout.com/reference/getting-started-with-your-api
  baseURL: https://api.processout.com
  tags:
  - Uploads
  properties:
  - type: OpenAPI
    url: openapi/processout-uploads-api-openapi.yml
  - type: Authentication
    url: authentication/processout-authentication.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: RateLimits
  url: rate-limits/processout-rate-limits.yml
- type: OpenAPI
  url: openapi/_original/processout-openapi.json
- type: Overlay
  url: overlays/processout-openapi-overlay.yaml
- type: MCPServer
  url: mcp/processout-mcp.yml
- type: LLMsTxt
  url: llms/processout-llms.txt
- type: AgenticAccess
  url: agentic-access/processout-agentic-access.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Packages
  url: packages/processout-packages.yml
- type: SDKs
  url: packages/processout-packages.yml
- type: Components
  url: components/processout-components.yml
- type: Authentication
  url: authentication/processout-authentication.yml
- type: Conventions
  url: conventions/processout-conventions.yml
- type: Idempotency
  url: conventions/processout-conventions.yml
- type: RateLimits
  url: rate-limits/processout-rate-limits.yml
- type: ErrorCatalog
  url: errors/processout-problem-types.yml
- type: DeclineCodes
  url: errors/processout-decline-codes.yml
- type: DataModel
  url: data-model/processout-data-model.yml
- type: Sandbox
  url: sandbox/processout-sandbox.yml
- type: Lifecycle
  url: lifecycle/processout-lifecycle.yml
- type: Conformance
  url: conformance/processout-conformance.yml
- type: Webhooks
  url: asyncapi/processout-webhooks.yml
- type: VulnerabilityDisclosure
  url: security/processout-vulnerability-disclosure.yml
- type: Security
  url: https://www.processout.com/security
- type: DomainSecurity
  url: security/processout-domain-security.yml
- type: Compliance
  url: https://www.processout.com/security
- type: WellKnown
  url: well-known/processout-well-known.yml
- type: StatusPage
  url: https://status.processout.com/
- type: Website
  url: https://www.processout.com/
- type: DeveloperPortal
  url: https://docs.processout.com/
- type: Documentation
  url: https://docs.processout.com/docs
- type: APIReference
  url: https://docs.processout.com/reference/getting-started-with-your-api
- type: GettingStarted
  url: https://docs.processout.com/docs/getting-started
- type: SDKs
  url: https://github.com/processout
- type: GitHubOrganization
  url: https://github.com/processout
- type: Support
  url: https://docs.processout.com/docs/faq
- type: Blog
  url: https://www.processout.com/blog
- type: SignUp
  url: https://dashboard.processout.com/login
- type: TermsOfService
  url: https://www.processout.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.processout.com/privacy-policy
- type: LinkedIn
  url: https://www.linkedin.com/company/processout/
- type: Twitter
  url: https://twitter.com/processout

ProcessOut API — frequently asked questions

Does ProcessOut have an API?

Yes. APIs.io lists 10 APIs from ProcessOut, including ProcessOut Balances API, ProcessOut Cards API and ProcessOut Customers API, and 7 more.

Is there an OpenAPI specification for the ProcessOut API?

Yes. APIs.io indexes 10 OpenAPI specifications for ProcessOut, each linked for download from this page.

How do I authenticate with the ProcessOut API?

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

Does ProcessOut have an MCP server?

Yes. APIs.io lists 1 MCP server for ProcessOut: ProcessOut publishes an official, hosted (remote) Model Context Protocol server that gives AI code editors (Cursor, Windsurf) and assistants (Claude Desktop) direct access to the ProcessOut API and do

Is the ProcessOut API ready for AI agents?

ProcessOut has a Kin Score of 53.4 out of 100 (developing) and an Agent Readiness score of 47.6 (agent-native), scored by API Evangelist on 2026-11-06.

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