Talo Pay

Talo Pay is an Argentine fintech company offering automated bank transfer payment solutions for online merchants. It enables merchants to add bank transfer as a payment method, providing low‑cost commissions, instant payment confirmation, and tools to manage employee permissions. The platform includes a dashboard, API integrations, and support for partners, aiming to improve liquidity and reduce chargeback risk for e‑commerce businesses in Argentina.

Talo Pay is listed with 1 API on the APIs.io network. Tagged areas include Fintech, Payments, Argentina, E-commerce, and Bank Transfers.

The Talo Pay catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Talo Pay’s developer surface includes sandbox, authentication, documentation, getting-started guide, pricing, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

34.7/100 thin Agent 35/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API

Fintech Payments ArgentinaE-commerceBank Transfers

Kin Score

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

Composite quality — 34.7/100 · thin

Contract Quality 5.6 / 21

Developer Ergonomics 8.1 / 17

Access Clarity 7.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 2.2 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 35/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 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 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 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):

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
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
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

7 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 26.3 — up to +18.4 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points
Access Clarity scores 44.7 — up to +11.1 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/talopay/apis.yml: open an issue on github.com/api-evangelist/talopay 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.

Talo Pay API

Talo Pay API as documented publicly: 28 operations. Contract generated from the documentation by API Evangelist (2026-10-27); not the provider's own document.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Talopay Context

35 classes · 55 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Talo Pay API Rules

11 rules · 9 errors 1 warnings 1 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

GetCustomersResponse

1 properties

JSON SCHEMA

GetCustomersResponse2

9 properties

JSON SCHEMA

GetPaymentsResponse

1 properties

JSON SCHEMA

GetSplitPaymentsSplitpaymentidResponse

10 properties

JSON SCHEMA

PostCustomersResponse

1 properties

JSON SCHEMA

PostUsersUseridStoresResponse

11 properties

JSON SCHEMA

Security Posture 2

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

Talopay Authentication

2 schemes

SECURITY

Talopay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

Login

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral

JSONLD

Vocabulary

DataModel

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

SDKs

SDKs

Packages

Packages

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

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: talopay
name: Talo Pay
image: https://talopay.com/landing.jpeg
description: Talo Pay is an Argentine fintech company offering automated bank transfer payment solutions for online merchants.
  It enables merchants to add bank transfer as a payment method, providing low‑cost commissions, instant payment confirmation,
  and tools to manage employee permissions. The platform includes a dashboard, API integrations, and support for partners,
  aiming to improve liquidity and reduce chargeback risk for e‑commerce businesses in Argentina.
url: https://raw.githubusercontent.com/api-evangelist/talopay/refs/heads/main/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-27 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-27'
modified: '2026-10-27'
tags:
- Fintech
- Payments
- Argentina
- E-commerce
- Bank Transfers
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/talopay-rules.yml
- type: JSONLD
  url: json-ld/talopay-context.jsonld
- type: Vocabulary
  url: vocabulary/talopay-vocabulary.yml
- type: DataModel
  url: data-model/talopay-data-model.yml
- type: Sandbox
  url: sandbox/talopay-sandbox.yml
- type: Authentication
  url: authentication/talopay-authentication.yml
- type: Conformance
  url: conformance/talopay-conformance.yml
- type: LLMsTxt
  url: llms/talopay-llms.txt
- type: WellKnown
  url: well-known/talopay-well-known.yml
- type: Hosts
  url: hosts/talopay-hosts.yml
- type: Vendors
  url: vendors/talopay-vendors.yml
- type: SDKs
  url: packages/talopay-packages.yml
- type: Packages
  url: packages/talopay-packages.yml
- type: Login
  url: https://talopay.com/login
- type: DomainSecurity
  url: security/talopay-domain-security.yml
- type: Website
  url: https://talopay.com
- type: Documentation
  url: https://docs.talo.com.ar
- type: GettingStarted
  url: https://docs.talo.com.ar/getting_started
- type: Pricing
  url: https://talopay.com/ar/pricing
- type: TermsOfService
  url: https://talopay.com/ar/terms-of-service
- type: PrivacyPolicy
  url: https://talopay.com/ar/privacy-policy
apis:
- aid: talopay:talopay-api
  name: Talo Pay API
  description: 'Talo Pay API as documented publicly: 28 operations. Contract generated from the documentation by API Evangelist
    (2026-10-27); not the provider''s own document.'
  humanURL: https://docs.talo.com.ar/status-page/api
  baseURL: https://sandbox-api.talo.com.ar
  properties:
  - type: OpenAPI
    url: openapi/_ae-authored/talopay-openapi-generated.yml
    x-provenance: generated
  - type: JSONSchema
    url: json-schema/talopay-get-payments-response-schema.json
  - type: JSONSchema
    url: json-schema/talopay-post-users-userid-stores-response-schema.json
  - type: JSONSchema
    url: json-schema/talopay-get-customers-response2-schema.json
  - type: JSONSchema
    url: json-schema/talopay-get-split-payments-splitpaymentid-response-schema.json
  - type: JSONSchema
    url: json-schema/talopay-get-customers-response-schema.json
  - type: JSONSchema
    url: json-schema/talopay-post-customers-response-schema.json
x-submission-notes: Docs docs.talo.com.ar; MCP claimed; AR payments
x-submitted-by: eduardo@talo.com.ar (apis.io/add, 2026-10-26)
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-10-27'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://api.com.ar/api/mcp
    status: 401
  - url: https://talopay.com/mcp
    status: 401
  - url: https://talopay.com
    status: 200
x-enrichment:
  date: '2026-10-27'
  status: enriched
  artifacts_added: 31
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Talo Pay API — frequently asked questions

Does Talo Pay have an API?

Yes. APIs.io lists 1 API from Talo Pay, including Talo Pay API.

Is there an OpenAPI specification for the Talo Pay API?

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

How do I authenticate with the Talo Pay API?

Talo Pay documents its authentication (2 schemes). The details are profiled on APIs.io as Talopay Authentication.

Is the Talo Pay API ready for AI agents?

Talo Pay has a Kin Score of 34.7 out of 100 (thin) and an Agent Readiness score of 34.5 (agent-ready), scored by API Evangelist on 2026-10-31.

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