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 APIs 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.

ProcessOut’s developer surface includes authentication, sandbox, documentation, API reference, getting-started guide, support, engineering blog, and 33 more developer resources.

🌐 Visit website 📡 Source on GitHub

59.1/100 strong ▬ flat Agent 66/100 agent native Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

AccessSelf serve

10 APIs 1 MCP Servers

PaymentsPayment OrchestrationSmart RoutingTokenizationCheckoutReconciliationFraud3-D SecureCompany

Kin Score

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

Composite quality — 59.1/100 · strong

Contract Quality 14.9 / 21

Developer Ergonomics 12.8 / 17

Commercial Clarity 7.2 / 17

Operational Transparency 6.7 / 11

Governance 2.1 / 10

Discoverability 6.9 / 9

Regulatory Posture 8.4 / 15

Agent readiness — 66/100 · 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 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

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/processout: 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 11

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

MCP Servers 1

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

processout-mcp.yml

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

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 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

StatusPage

StatusPage

Support

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.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  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: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 22
  pass: local-v1
tags:
- 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:
  - 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:
  - 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:
  - 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: 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