# ProcessOut

**Canonical:** https://apis.io/providers/processout/  
**Website:** https://www.processout.com/  
**APIs profiled:** 10

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.

## Kin Score — 59.1 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 59.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 70.1 |
| Governance | 20.8 |
| Operational Transparency | 60.5 |
| Developer Ergonomics | 75.5 |
| Commercial Clarity | 42.1 |

Regulatory layer — **Payments**: 56.3 (matched via tags).

## Agent readiness — 66.0 (agent-native)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (10)

- **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.

## MCP servers (1)

- **processout-mcp.yml**

## Agentic access (1)

- **Processout Agentic Access** — 26 operations · 16 acting

## Security (3)

- **Processout Authentication** — http · 1 scheme
- **Processout Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Processout Vulnerability Disclosure** — disclosure policy published

## Tags

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

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