Simplifi/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.

Simplifi/Simplifipay publishes 9 APIs on the APIs.io network, including Auth API, Card API, Card Program API, and 6 more. Tagged areas include Company, Cards, Card Issuing, Virtual Cards, and Fintech.

The Simplifi/Simplifipay catalog on APIs.io includes 1 event-driven AsyncAPI specification.

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

🌐 Visit website 📡 Source on GitHub

53.8/100 developing ▬ flat Agent 30/100 agent ready saas Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

1 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 53.8/100 · developing

Contract Quality 14.4 / 21

Developer Ergonomics 10.8 / 17

Access Clarity 7.2 / 17

Operational Transparency 0.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 9.8 / 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 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

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/. 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 github.com/api-evangelist/simplifi-simplifipay: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

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

Open Collections 10

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

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: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/simplifi-simplifipay.png
name: Simplifi/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: '2026-07-21'
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:
  - 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-document-api
  name: Simplifi/Simplifipay Document API
  description: The Document API from Simplifi/Simplifipay — 2 operation(s) for document.
  humanURL: https://apidoc.simplifipay.com/
  baseURL: https://uat-lb.simplifipay.com
  tags:
  - Document
  properties:
  - type: OpenAPI
    url: openapi/simplifi-simplifipay-document-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

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