Swedbank Pay

Swedbank Pay provides a comprehensive, end‑to‑end payment platform for merchants and developers across Sweden and the Nordics. It offers in‑store, online, and acquiring solutions, along with a developer portal, sandbox environment, and extensive documentation to integrate payments, recurring billing, and tokenisation into web, mobile, and POS applications.

Swedbank Pay is listed with 1 API on the APIs.io network: Psp API. Tagged areas include Company, Payments, Fintech, and Nordic.

The Swedbank Pay catalog on APIs.io includes 1 Spectral governance ruleset.

Swedbank Pay’s developer surface includes sandbox, pricing, changelog, getting-started guide, documentation, support, engineering blog, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.9/100 emerging ▼ -7.7 Agent 13/100 agent aware Heartbeat 97/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Payments Fintech Nordic

Kin Score

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

Composite quality — 19.9/100 · emerging

Contract Quality 2.0 / 19

Developer Ergonomics 4.3 / 15

Access Clarity 1.6 / 15

Operational Transparency 2.8 / 10

Contract Governance 1.6 / 9

Discoverability 4.0 / 8

Regulatory Posture 1.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 13/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 0 / 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
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 10.7 — up to +22.3 composite points
Access Clarity scores 10.5 — up to +17.9 composite points
Developer Ergonomics scores 28.6 — up to +14.3 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/swedbank-pay/apis.yml: open an issue on github.com/api-evangelist/swedbank-pay 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 1

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

Swedbank Pay Psp API

The Psp API from Swedbank Pay — 6 operation(s) for psp.

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Swedbank Pay API Rules

9 rules · 7 errors 1 warnings 1 info

SPECTRAL

Security Posture 1

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

Swedbank Pay Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Sandbox

Sandbox

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

Conformance

Conformance

Build 3

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

StatusPage

StatusPage

ChangeLog

ChangeLog

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Pricing

Pricing

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: swedbank-pay
name: Swedbank Pay
description: Swedbank Pay provides a comprehensive, end‑to‑end payment platform for merchants and developers across Sweden
  and the Nordics. It offers in‑store, online, and acquiring solutions, along with a developer portal, sandbox environment,
  and extensive documentation to integrate payments, recurring billing, and tokenisation into web, mobile, and POS applications.
url: https://raw.githubusercontent.com/api-evangelist/swedbank-pay/refs/heads/main/apis.yml
x-type: company
x-source: harvest:stockholm-trip
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-15 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-10-14'
modified: '2026-10-14'
tags:
- Company
- Payments
- Fintech
- Nordic
tags_raw:
- Company
- Payments
- FinTech
- API
- Nordic
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/swedbank-pay-rules.yml
- type: Sandbox
  url: sandbox/swedbank-pay-sandbox.yml
- type: Conformance
  url: conformance/swedbank-pay-conformance.yml
- type: SecurityTxt
  url: well-known/swedbank-pay-status-security.txt
- type: WellKnown
  url: well-known/swedbank-pay-well-known.yml
- type: Hosts
  url: hosts/swedbank-pay-hosts.yml
- type: Vendors
  url: vendors/swedbank-pay-vendors.yml
- type: SDKs
  url: packages/swedbank-pay-packages.yml
- type: Packages
  url: packages/swedbank-pay-packages.yml
- type: TermsOfService
  url: https://developer.swedbankpay.com/checkout-v3/features/customize-ui/tos/
- type: StatusPage
  url: https://status.swedbankpay.com/
- type: Pricing
  url: https://developer.swedbankpay.com/old-implementations/checkout-v2/technical-reference/prices/
- type: ChangeLog
  url: https://developer.swedbankpay.com/release-notes/
- type: GettingStarted
  url: https://developer.swedbankpay.com/checkout-v3/get-started/setup/
- type: GitHubOrganization
  url: https://github.com/SwedbankPay
- type: DomainSecurity
  url: security/swedbank-pay-domain-security.yml
- type: Website
  url: https://swedbankpay.com/
- type: Documentation
  url: https://developer.swedbankpay.com/
- type: Support
  url: https://www.swedbankpay.com/contact-us
- type: Blog
  url: https://www.swedbankpay.com/newsroom
apis:
- aid: swedbank-pay:swedbank-pay-psp-api
  name: Swedbank Pay Psp API
  description: The Psp API from Swedbank Pay — 6 operation(s) for psp.
  humanURL: https://developer.swedbankpay.com/old-implementations/payment-instruments-v1/card/technical-reference/operations
  baseURL: https://api.externalintegration.payex.com
  tags:
  - PSP
  tags_raw:
  - Psp
  properties:
  - type: OpenAPI
    url: openapi/swedbank-pay-psp-api-openapi.yml
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: Developer portal provides documentation but no machine‑readable OpenAPI spec was found.
  evidence:
  - url: https://developer.swedbankpay.com/
    status: 200
  checked: '2026-10-15'
x-enrichment:
  date: '2026-10-15'
  status: enriched
  artifacts_added: 11
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Swedbank Pay API — frequently asked questions

Does Swedbank Pay have an API?

Yes. APIs.io lists 1 API from Swedbank Pay, including Swedbank Pay Psp API.

Is there an OpenAPI specification for the Swedbank Pay API?

Yes. APIs.io indexes 1 OpenAPI specification for Swedbank Pay, each linked for download from this page.

Is the Swedbank Pay API ready for AI agents?

Swedbank Pay has a Kin Score of 19.9 out of 100 (emerging) and an Agent Readiness score of 12.7 (agent-aware), scored by API Evangelist on 2026-11-06.

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