# Simplifi/Simplifipay

**Canonical:** https://apis.io/providers/simplifi-simplifipay/  
**Website:** https://simplifipay.com  
**APIs profiled:** 9

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.

## Kin Score — 50.7 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 50.7).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 72.3 |
| Governance | 20.8 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 60.3 |
| Commercial Clarity | 42.1 |

Regulatory layer — **Payments**: 53.1 (matched via tags).

## Agent readiness — 46.2 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | derived |
| 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 (9)

- **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 Document API** — The Document API from Simplifi/Simplifipay — 2 operation(s) for document.
- **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.

## MCP servers (1)

- **simplifi-simplifipay-mcp.yml**

## Agentic access (1)

- **Simplifi Simplifipay Agentic Access** — 52 operations · 39 acting

## Security (2)

- **Simplifi Simplifipay Authentication** — http · 1 scheme
- **Simplifi Simplifipay Domain Security** — TLSv1.3 · DMARC

## Tags

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

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