Simplifipay

SimpliFi (simplifipay.com) is a Cards-as-a-Service platform powering virtual and physical card programs for fintechs, startups, and enterprises across the GCC (UAE, Saudi Arabia, Kuwait, Bahrain, Oman, Qatar). Regulated by the Dubai Financial Services Authority (DFSA), SimpliFi offers off-the-shelf and fully customizable card programs with multi-currency support (50+ currencies), digital-wallet enablement (Apple/Google/Samsung Pay), programmable authorization, velocity, and merchant controls, and real-time transaction and fraud monitoring. Its developer platform exposes a JWT-authenticated REST API (card programs, funding sources, cards, users, transactions, fees, rule groups, and webhook management) on an asynchronous, webhook-driven architecture, plus a PCI-DSS-compliant Virtual Card SDK for securely displaying card data. Surfaced as a 500 Global portfolio company and enriched by the API Evangelist pipeline.

Simplifipay publishes 8 API contracts indexed on the APIs.io network, including Simplifi/Simplifipay Auth API, Simplifi/Simplifipay Card API, Simplifi/Simplifipay Card Program API, and 5 more. Tagged areas include Company, Cards, Card Issuing, Virtual Cards, and Fintech.

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

Simplifipay’s developer surface includes documentation, API reference, getting-started guide, signup flow, support, authentication, sandbox, and 21 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

50.8/100 developing ▬ flat Agent 32/100 agent ready Front door AI 2/6 trace saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 3 Agent Skills

Company Cards Card Issuing Virtual Cards Fintech Payments Banking as a Service Embedded Finance GCC Webhook

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Card

POST /v1/card

Kin Score

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

Composite quality — 50.8/100 · developing

Contract Quality 11.6 / 19

Developer Ergonomics 9.6 / 15

Access Clarity 6.3 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 32/100 · 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 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):

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)
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)

6 more unmet checks in the Agent Readiness table above.

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

Operational Transparency scores 7.9 — up to +12.0 composite points
Access Clarity scores 42.1 — up to +11.6 composite points
Contract Quality scores 61.8 — up to +9.6 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/simplifi-simplifipay/apis.yml: open an issue on github.com/api-evangelist/simplifi-simplifipay 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 →

Standards implemented 1

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.

OpenAPI

measured — observed by APIs.io (published)

APIs 8

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

Simplifi/Simplifipay Auth API

The Auth API from Simplifi/Simplifipay — 2 operation(s) for auth.

Simplifi/Simplifipay Card API

The Card API from Simplifi/Simplifipay — 12 operation(s) for card.

Simplifi/Simplifipay Card Program API

The Card Program API from Simplifi/Simplifipay — 9 operation(s) for card program.

Simplifi/Simplifipay Fee API

The Fee API from Simplifi/Simplifipay — 5 operation(s) for fee.

Simplifi/Simplifipay Funding Source API

The Funding Source API from Simplifi/Simplifipay — 6 operation(s) for funding source.

Simplifi/Simplifipay Transaction API

The Transaction API from Simplifi/Simplifipay — 3 operation(s) for transaction.

Simplifi/Simplifipay User API

The User API from Simplifi/Simplifipay — 4 operation(s) for user.

Simplifi/Simplifipay Webhook API

The Webhook API from Simplifi/Simplifipay — 4 operation(s) for webhook.

Scroll for all 8

Open Collections 9

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

SimpliFi Cards Auth API

OPEN COLLECTION

SimpliFi Cards Auth Card API

OPEN COLLECTION

SimpliFi Cards Auth Card Program API

OPEN COLLECTION

SimpliFi Cards Auth Document API

OPEN COLLECTION

SimpliFi Cards Auth Fee API

OPEN COLLECTION

SimpliFi Cards Auth Funding Source API

OPEN COLLECTION

SimpliFi Cards Auth Transaction API

OPEN COLLECTION

SimpliFi Cards Auth User API

OPEN COLLECTION

SimpliFi Cards Auth Webhook API

OPEN COLLECTION

Scroll for all 9

Agent Skills 3

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

Apply spend controls to a SimpliFi card

AGENT SKILL

Create and fund a SimpliFi card program

AGENT SKILL

Issue and activate a SimpliFi card

AGENT SKILL

Event Specifications 1

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

SimpliFi Webhooks

Outbound webhook events SimpliFi delivers to a client-configured HTTPS endpoint. Async model: an API call returns 2xx/202 on receipt; the outcome arrives here. Each delivery car...

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Simplifipay API Rules

71 rules · 59 errors 11 warnings 1 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.

Simplifi Simplifipay Openapi Overlay

2 actions · update · simplifi-simplifipay-openapi.yml

DERIVED

Security Posture 2

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

Simplifi Simplifipay Authentication

http · 1 scheme

SECURITY

Simplifi Simplifipay Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

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

Simplifi Simplifipay Agentic Access

52 operations · 38 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

AsyncAPI

AsyncAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Webhooks

Conventions

Components

DataModel

Lifecycle

Conformance

Scroll for all 7

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Compliance

Compliance

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 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: simplifi-simplifipay
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
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/simplifi-simplifipay.png
name: Simplifipay
description: SimpliFi (simplifipay.com) is a Cards-as-a-Service platform powering virtual and physical card programs for fintechs,
  startups, and enterprises across the GCC (UAE, Saudi Arabia, Kuwait, Bahrain, Oman, Qatar). Regulated by the Dubai Financial
  Services Authority (DFSA), SimpliFi offers off-the-shelf and fully customizable card programs with multi-currency support
  (50+ currencies), digital-wallet enablement (Apple/Google/Samsung Pay), programmable authorization, velocity, and merchant
  controls, and real-time transaction and fraud monitoring. Its developer platform exposes a JWT-authenticated REST API (card
  programs, funding sources, cards, users, transactions, fees, rule groups, and webhook management) on an asynchronous, webhook-driven
  architecture, plus a PCI-DSS-compliant Virtual Card SDK for securely displaying card data. Surfaced as a 500 Global portfolio
  company and enriched by the API Evangelist pipeline.
url: https://raw.githubusercontent.com/api-evangelist/simplifi-simplifipay/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-09-15'
x-docs-platform: redoc
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Cards
- Card Issuing
- Virtual Cards
- Fintech
- Payments
- Banking as a Service
- Embedded Finance
- GCC
- Webhook
tags_raw:
- Company
- Cards
- Card Issuing
- Virtual Cards
- Fintech
- Payments
- Banking as a Service
- Embedded Finance
- GCC
- Webhooks
apis:
- aid: simplifi-simplifipay:simplifi-simplifipay-auth-api
  name: Simplifi/Simplifipay Auth API
  description: The Auth API from Simplifi/Simplifipay — 2 operation(s) for auth.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-auth-api-openapi.yml
- aid: simplifi-simplifipay:simplifi-simplifipay-card-api
  name: Simplifi/Simplifipay Card API
  description: The Card API from Simplifi/Simplifipay — 12 operation(s) for card.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Cards
  tags_raw:
  - Card
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-card-api-openapi.yml
- aid: simplifi-simplifipay:simplifi-simplifipay-card-program-api
  name: Simplifi/Simplifipay Card Program API
  description: The Card Program API from Simplifi/Simplifipay — 9 operation(s) for card program.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Card Program
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-card-program-api-openapi.yml
- aid: simplifi-simplifipay:simplifi-simplifipay-fee-api
  name: Simplifi/Simplifipay Fee API
  description: The Fee API from Simplifi/Simplifipay — 5 operation(s) for fee.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Fee
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-fee-api-openapi.yml
- aid: simplifi-simplifipay:simplifi-simplifipay-funding-source-api
  name: Simplifi/Simplifipay Funding Source API
  description: The Funding Source API from Simplifi/Simplifipay — 6 operation(s) for funding source.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Funding Source
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-funding-source-api-openapi.yml
- aid: simplifi-simplifipay:simplifi-simplifipay-transaction-api
  name: Simplifi/Simplifipay Transaction API
  description: The Transaction API from Simplifi/Simplifipay — 3 operation(s) for transaction.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Transaction
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-transaction-api-openapi.yml
- aid: simplifi-simplifipay:simplifi-simplifipay-user-api
  name: Simplifi/Simplifipay User API
  description: The User API from Simplifi/Simplifipay — 4 operation(s) for user.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - User
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-user-api-openapi.yml
- aid: simplifi-simplifipay:simplifi-simplifipay-webhook-api
  name: Simplifi/Simplifipay Webhook API
  description: The Webhook API from Simplifi/Simplifipay — 4 operation(s) for webhook.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Webhook
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-webhook-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/simplifi-simplifipay-capability-edges.yml
  name: Simplifi/Simplifipay Business Capability Map
- type: Overlay
  url: overlays/simplifi-simplifipay-openapi-overlay.yaml
- type: DeveloperPortal
  url: https://apidoc.simplifipay.com/
- type: Documentation
  url: https://apidoc.simplifipay.com/
- type: APIReference
  url: https://apidoc.simplifipay.com/
- type: GettingStarted
  url: https://apidoc.simplifipay.com/introduction-1207172m0
- type: SignUp
  url: https://simplifipay.com/contact-us/
- type: Login
  url: https://prod-portal.simplifipay.com/simplifi-webapp/
- type: Support
  url: mailto:info@simplifipay.com
- type: TermsOfService
  url: https://simplifipay.com/terms-and-conditions
- type: PrivacyPolicy
  url: https://simplifipay.com/privacy-policy
- type: Authentication
  url: authentication/simplifi-simplifipay-authentication.yml
- type: AgenticAccess
  url: agentic-access/simplifi-simplifipay-agentic-access.yml
- type: DomainSecurity
  url: security/simplifi-simplifipay-domain-security.yml
- type: LLMsTxt
  url: llms/simplifi-simplifipay-llms.txt
- type: ErrorCatalog
  url: errors/simplifi-simplifipay-error-codes.yml
- type: AsyncAPI
  url: asyncapi/simplifi-simplifipay-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/simplifi-simplifipay-webhooks-asyncapi.yml
- type: Conventions
  url: conventions/simplifi-simplifipay-conventions.yml
- type: Sandbox
  url: sandbox/simplifi-simplifipay-sandbox.yml
- type: Components
  url: components/simplifi-simplifipay-components.yml
- type: X-MCPServerCandidate
  url: mcp/simplifi-simplifipay-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: DataModel
  url: data-model/simplifi-simplifipay-data-model.yml
- type: Lifecycle
  url: lifecycle/simplifi-simplifipay-lifecycle.yml
- type: Conformance
  url: conformance/simplifi-simplifipay-conformance.yml
- type: Compliance
  url: conformance/simplifi-simplifipay-conformance.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://simplifipay.com
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 20
  pass: local-v1
x-aliases:
- Simplifi

Simplifipay API — frequently asked questions

Does Simplifipay have an API?

Yes. APIs.io lists 8 APIs from Simplifipay, including Simplifi/Simplifipay Auth API, Simplifi/Simplifipay Card API and Simplifi/Simplifipay Card Program API, and 5 more.

Is there an OpenAPI specification for the Simplifipay API?

Yes. APIs.io indexes 8 OpenAPI specifications for Simplifipay, each linked for download from this page.

How do I authenticate with the Simplifipay API?

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

Is the Simplifipay API ready for AI agents?

Simplifipay has a Kin Score of 50.8 out of 100 (developing) and an Agent Readiness score of 32.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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