Qualpay

Qualpay provides a comprehensive payments platform offering embedded finance services, customizable checkout, recurring billing, virtual terminal, ACH/eCheck processing, and industry‑specific solutions for nonprofits, utilities, energy, waste management, propane, e‑commerce, B2B and home services. Their developer hub offers hosted APIs, webhooks, sandbox testing, detailed documentation, and sample code to integrate payment processing quickly and securely.

Qualpay publishes 16 API contracts indexed on the APIs.io network, including Account Updater API, Application Boarding API, Checkout API, and 13 more. Tagged areas include Payments, Payment Processing, Merchant Services, B2B Payments, and Reporting.

The Qualpay catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Qualpay’s developer surface includes getting-started guide, signup flow, authentication, documentation, API reference, support, engineering blog, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

48.4/100 developing Agent 30/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract

Payments Payment Processing Merchant Services B2B Payments Reporting Tokenization

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 48.4/100 · developing

Contract Quality 12.5 / 21

Developer Ergonomics 10.5 / 17

Access Clarity 8.5 / 17

Operational Transparency 1.7 / 11

Contract Governance 2.2 / 10

Discoverability 4.7 / 9

Regulatory Posture 4.0 / 15

Agent readiness — 30/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

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

Operational Transparency scores 15.8 — up to +10.9 composite points
Contract Quality scores 58.8 — up to +10.3 composite points
Access Clarity scores 50.0 — up to +10.0 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/qualpay/apis.yml: open an issue on github.com/api-evangelist/qualpay 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 →

APIs 16

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

Qualpay Account Updater API

The Account Updater API from Qualpay — 10 operation(s) for account updater.

Qualpay Application Boarding API

Application

Qualpay Checkout API

Checkout

Qualpay Customer Vault API

Customer Vault

Qualpay Disputes v0.5 API

Original dispute management operations.

Qualpay Disputes v1.0 API

API to allow automation of dispute reporting and responses.

Qualpay Embedded Fields API

Embedded Fields

Qualpay Integrator API

The Integrator API from Qualpay — 3 operation(s) for integrator.

Qualpay Invoicing API

Invoicing

Qualpay Payee Vault API

Payee Vault

Qualpay Payment Gateway API

The Payment Gateway API from Qualpay — 16 operation(s) for payment gateway.

Qualpay Recurring Billing API

Recurring Billing

Qualpay Reporting API

Reporting

Qualpay Token API

The Token API from Qualpay — 3 operation(s) for token.

Qualpay Transaction API

The Transaction API from Qualpay — 1 operation(s) for transaction.

Qualpay Webhooks API

Webhooks

Scroll for all 16

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Qualpay Context

120 classes · 268 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Qualpay API Rules

16 rules · 13 errors 2 warnings 1 info

SPECTRAL

Security Posture 3

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

Qualpay Authentication

http · 1 scheme

SECURITY

Qualpay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Qualpay Trust Center

PCI DSS

SECURITY

Agentic Access 1

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

Qualpay Agentic Access

136 operations · 78 acting · 1 human-in-the-loop

136 operations · 78 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

SignUp

SignUp

DeveloperPortal

DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

ErrorCatalog

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Postman

Postman

Access & Security 6

Authentication, authorization, and security posture

Compliance

SecurityTxt

Security

Authentication

TrustCenter

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Newsroom

Newsroom

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: qualpay
name: Qualpay
description: Qualpay provides a comprehensive payments platform offering embedded finance services, customizable checkout,
  recurring billing, virtual terminal, ACH/eCheck processing, and industry‑specific solutions for nonprofits, utilities, energy,
  waste management, propane, e‑commerce, B2B and home services. Their developer hub offers hosted APIs, webhooks, sandbox
  testing, detailed documentation, and sample code to integrate payment processing quickly and securely.
url: https://raw.githubusercontent.com/api-evangelist/qualpay/refs/heads/main/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-26 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-26'
modified: '2026-10-26'
tags:
- Payments
- Payment Processing
- Merchant Services
- B2B Payments
- Reporting
- Tokenization
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: TermsOfService
  url: https://www.qualpay.com/legal/terms-and-conditions-v2
- type: GettingStarted
  url: https://help.qualpay.com/help/my-account
- type: AgenticAccess
  url: agentic-access/qualpay-agentic-access.yml
- type: Spectral
  url: rules/qualpay-rules.yml
- type: JSONLD
  url: json-ld/qualpay-context.jsonld
- type: Vocabulary
  url: vocabulary/qualpay-vocabulary.yml
- type: DataModel
  url: data-model/qualpay-data-model.yml
- type: Compliance
  url: https://www.qualpay.com/security
- type: ErrorCatalog
  url: errors/qualpay-problem-types.yml
- type: Conformance
  url: conformance/qualpay-conformance.yml
- type: LLMsTxt
  url: llms/qualpay-llms.txt
- type: SecurityTxt
  url: well-known/qualpay-status-security.txt
- type: WellKnown
  url: well-known/qualpay-well-known.yml
- type: Hosts
  url: hosts/qualpay-hosts.yml
- type: Vendors
  url: vendors/qualpay-vendors.yml
- type: SignUp
  url: https://app-test.qualpay.com/login/signup
- type: Security
  url: https://www.qualpay.com/security
- type: Newsroom
  url: https://www.qualpay.com/news
- type: GitHubOrganization
  url: https://github.com/qualpay
- type: Authentication
  url: authentication/qualpay-authentication.yml
- type: TrustCenter
  url: security/qualpay-trust-center.yml
- type: DomainSecurity
  url: security/qualpay-domain-security.yml
- type: Website
  url: https://www.qualpay.com/
- type: DeveloperPortal
  url: https://developer.qualpay.com/
- type: Documentation
  url: https://developer.qualpay.com/docs
- type: APIReference
  url: https://developer.qualpay.com/reference
- type: Support
  url: https://www.qualpay.com/support
- type: Blog
  url: https://www.qualpay.com/blog
- type: PrivacyPolicy
  url: https://www.qualpay.com/privacy
- type: Postman
  url: https://www.postman.com/qualpay/workspace/qualpay-api
apis:
- aid: qualpay:qualpay-account-updater-api
  name: Qualpay Account Updater API
  description: The Account Updater API from Qualpay — 10 operation(s) for account updater.
  baseURL: https://api-test.qualpay.com
  tags:
  - Account Updater
  properties:
  - type: OpenAPI
    url: openapi/qualpay-account-updater-api-openapi.yml
- aid: qualpay:qualpay-application-boarding-api
  name: Qualpay Application Boarding API
  description: Application
  baseURL: https://api-test.qualpay.com
  tags:
  - Application Boarding
  properties:
  - type: OpenAPI
    url: openapi/qualpay-application-boarding-api-openapi.yml
- aid: qualpay:qualpay-checkout-api
  name: Qualpay Checkout API
  description: Checkout
  baseURL: https://api-test.qualpay.com
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/qualpay-checkout-api-openapi.yml
- aid: qualpay:qualpay-customer-vault-api
  name: Qualpay Customer Vault API
  description: Customer Vault
  baseURL: https://api-test.qualpay.com
  tags:
  - Customer Vault
  properties:
  - type: OpenAPI
    url: openapi/qualpay-customer-vault-api-openapi.yml
- aid: qualpay:qualpay-disputes-v0-5-api
  name: Qualpay Disputes v0.5 API
  description: Original dispute management operations.
  baseURL: https://api-test.qualpay.com
  tags:
  - Disputes v0.5
  properties:
  - type: OpenAPI
    url: openapi/qualpay-disputes-v0-5-api-openapi.yml
- aid: qualpay:qualpay-disputes-v1-0-api
  name: Qualpay Disputes v1.0 API
  description: API to allow automation of dispute reporting and responses.
  baseURL: https://api-test.qualpay.com
  tags:
  - Disputes v1.0
  properties:
  - type: OpenAPI
    url: openapi/qualpay-disputes-v1-0-api-openapi.yml
- aid: qualpay:qualpay-embedded-fields-api
  name: Qualpay Embedded Fields API
  description: Embedded Fields
  baseURL: https://api-test.qualpay.com
  tags:
  - Embedded Fields
  properties:
  - type: OpenAPI
    url: openapi/qualpay-embedded-fields-api-openapi.yml
- aid: qualpay:qualpay-integrator-api
  name: Qualpay Integrator API
  description: The Integrator API from Qualpay — 3 operation(s) for integrator.
  baseURL: https://api-test.qualpay.com
  tags:
  - Integrator
  properties:
  - type: OpenAPI
    url: openapi/qualpay-integrator-api-openapi.yml
- aid: qualpay:qualpay-invoicing-api
  name: Qualpay Invoicing API
  description: Invoicing
  baseURL: https://api-test.qualpay.com
  tags:
  - Invoicing
  properties:
  - type: OpenAPI
    url: openapi/qualpay-invoicing-api-openapi.yml
- aid: qualpay:qualpay-payee-vault-api
  name: Qualpay Payee Vault API
  description: Payee Vault
  baseURL: https://api-test.qualpay.com
  tags:
  - Payee Vault
  properties:
  - type: OpenAPI
    url: openapi/qualpay-payee-vault-api-openapi.yml
- aid: qualpay:qualpay-payment-gateway-api
  name: Qualpay Payment Gateway API
  description: The Payment Gateway API from Qualpay — 16 operation(s) for payment gateway.
  baseURL: https://api-test.qualpay.com
  tags:
  - Payment Gateway
  properties:
  - type: OpenAPI
    url: openapi/qualpay-payment-gateway-api-openapi.yml
- aid: qualpay:qualpay-recurring-billing-api
  name: Qualpay Recurring Billing API
  description: Recurring Billing
  baseURL: https://api-test.qualpay.com
  tags:
  - Recurring Billing
  properties:
  - type: OpenAPI
    url: openapi/qualpay-recurring-billing-api-openapi.yml
- aid: qualpay:qualpay-reporting-api
  name: Qualpay Reporting API
  description: Reporting
  baseURL: https://api-test.qualpay.com
  tags:
  - Reporting
  properties:
  - type: OpenAPI
    url: openapi/qualpay-reporting-api-openapi.yml
- aid: qualpay:qualpay-token-api
  name: Qualpay Token API
  description: The Token API from Qualpay — 3 operation(s) for token.
  baseURL: https://api-test.qualpay.com
  tags:
  - Token
  properties:
  - type: OpenAPI
    url: openapi/qualpay-token-api-openapi.yml
- aid: qualpay:qualpay-transaction-api
  name: Qualpay Transaction API
  description: The Transaction API from Qualpay — 1 operation(s) for transaction.
  baseURL: https://api-test.qualpay.com
  tags:
  - Transaction
  properties:
  - type: OpenAPI
    url: openapi/qualpay-transaction-api-openapi.yml
- aid: qualpay:qualpay-webhooks-api
  name: Qualpay Webhooks API
  description: Webhooks
  baseURL: https://api-test.qualpay.com
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/qualpay-webhooks-api-openapi.yml
x-submission-probe: 200 2026-10-25
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: Qualpay provides markdown documentation via llms.txt but no OpenAPI or other machine‑readable contract was found.
  evidence:
  - url: https://developer.qualpay.com/llms.txt
    status: 200
  checked: '2026-10-26'
x-enrichment:
  date: '2026-10-26'
  status: enriched
  artifacts_added: 22
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Qualpay API — frequently asked questions

Does Qualpay have an API?

Yes. APIs.io lists 16 APIs from Qualpay, including Qualpay Account Updater API, Qualpay Application Boarding API and Qualpay Checkout API, and 13 more.

Is there an OpenAPI specification for the Qualpay API?

Yes. APIs.io indexes 16 OpenAPI specifications for Qualpay, each linked for download from this page.

How do I authenticate with the Qualpay API?

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

Is the Qualpay API ready for AI agents?

Qualpay has a Kin Score of 48.4 out of 100 (developing) and an Agent Readiness score of 30.3 (agent-ready), scored by API Evangelist on 2026-10-31.

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