subpay-ai

Subpay AI is a fintech company focused on providing AI-driven payment solutions for businesses and consumers. Leveraging advanced machine learning algorithms, Subpay AI streamlines transaction processing, fraud detection, and financial analytics. The platform offers APIs for payment initiation, settlement, and reporting, enabling seamless integration with e‑commerce, SaaS, and mobile applications. Subpay AI emphasizes security, compliance, and scalability, aiming to reduce operational costs and improve user experience across the payment ecosystem.

subpay-ai is listed with 1 API on the APIs.io network. Tagged areas include Fintech, Payments, AI, Machine-Learning, and API.

subpay-ai’s developer surface includes API reference and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

14.7/100 emerging Agent 4/100 human only Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API 1 MCP Servers

Fintech PaymentsAIMachine-LearningAPI

Kin Score

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

Composite quality — 14.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.5 / 10

Discoverability 5.5 / 9

Regulatory Posture 2.4 / 15

Agent readiness — 4/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

12 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Access Clarity scores 34.2 — up to +13.2 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/subpay-ai/apis.yml: open an issue on github.com/api-evangelist/subpay-ai 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 1

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

Subpay Document Reading API

Document Reading API for Developers – reads construction pay applications and change orders from PDF to JSON.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

subpay-ai MCP Server

Remote MCP server at subpay.ai.

MCP SERVER

Security Posture 1

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

Subpay Ai Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Documentation 1

Reference material describing how the API behaves

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

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

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: subpay-ai
name: subpay-ai
image: https://subpay.ai/opengraph-image.png?opengraph-image.026dwc32f98zk.png
description: Subpay AI is a fintech company focused on providing AI-driven payment solutions for businesses and consumers.
  Leveraging advanced machine learning algorithms, Subpay AI streamlines transaction processing, fraud detection, and financial
  analytics. The platform offers APIs for payment initiation, settlement, and reporting, enabling seamless integration with
  e‑commerce, SaaS, and mobile applications. Subpay AI emphasizes security, compliance, and scalability, aiming to reduce
  operational costs and improve user experience across the payment ecosystem.
url: https://artifacts.apis.io/subpay-ai/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-29 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-29'
modified: '2026-10-29'
tags:
- Fintech
- Payments
- AI
- Machine-Learning
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Conformance
  url: conformance/subpay-ai-conformance.yml
- type: LLMsTxt
  url: llms/subpay-ai-llms.txt
- type: MCPServer
  url: mcp/subpay-ai-mcp.yml
- type: Hosts
  url: hosts/subpay-ai-hosts.yml
- type: Vendors
  url: vendors/subpay-ai-vendors.yml
- type: TermsOfService
  url: https://subpay.ai/terms
- type: PrivacyPolicy
  url: https://subpay.ai/privacy
- type: Login
  url: https://subpay.ai/login
- type: APIReference
  url: https://subpay.ai/developers
- type: DomainSecurity
  url: security/subpay-ai-domain-security.yml
- type: Website
  url: https://subpay.ai/
apis:
- name: Subpay Document Reading API
  description: Document Reading API for Developers – reads construction pay applications and change orders from PDF to JSON.
  humanURL: https://subpay.ai/developers
  baseURL: https://subpay.ai
  aid: subpay-ai:subpay-document-reading-api
x-enrichment:
  date: '2026-10-29'
  status: enriched
  artifacts_added: 11
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

subpay-ai API — frequently asked questions

Does subpay-ai have an API?

Yes. APIs.io lists 1 API from subpay-ai, including Subpay Document Reading API.

Does subpay-ai have an MCP server?

Yes. APIs.io lists 1 MCP server for subpay-ai: Remote MCP server at subpay.ai.

Is the subpay-ai API ready for AI agents?

subpay-ai has a Kin Score of 14.7 out of 100 (emerging) and an Agent Readiness score of 3.5 (human-only), scored by API Evangelist on 2026-10-31.

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