Tap Payments

Tap Payments is a payment gateway and financial infrastructure provider for the Middle East and North Africa (MENA). Its REST API lets merchants accept online payments across the GCC and Egypt - cards (Visa, Mastercard, Amex), local schemes (mada in Saudi Arabia, KNET in Kuwait, Benefit in Bahrain), and wallets (Apple Pay, Google Pay) - through Charges and Authorize/Capture flows, with Tokens for saved cards, Customers, Refunds, Invoices, Payouts, and merchant onboarding via the Business API. Authentication is a secret API key passed as a Bearer token, with separate test and live keys issued from the Tap dashboard.

Tap Payments publishes 9 APIs on the APIs.io network, including Authorize API, Business API, Cards API, and 6 more. Tagged areas include Payments, Fintech, Payment Gateway, MENA, and Middle East.

Tap Payments’ developer surface includes authentication, documentation, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

34.3/100 thin ▬ flat Agent 22/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumSelf serve⚡ Free to try

1 APIs

Payments Fintech Payment Gateway MENA Middle East Online Payments Charges CardsKNETmada Financial Infrastructure

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 34.3/100 · thin

Contract Quality 10.8 / 19

Developer Ergonomics 3.6 / 15

Access Clarity 5.9 / 15

Operational Transparency 2.3 / 10

Contract Governance 0.0 / 9

Discoverability 5.1 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 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 7 / 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

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/.

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/tap-payments: 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 10

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

Tap Payments Webhooks

Server-to-server HTTP POST callbacks (Instant Payment Notification) that Tap sends to your configured endpoint when a charge, authorize, invoice, or recurring payment changes st...

Tap Payments Authorize API

Authorize (hold) funds for later capture.

Tap Payments Business API

Business, merchant, and destination onboarding.

Tap Payments Cards API

Saved cards (card-on-file) attached to a customer.

Tap Payments Charges API

Charge a card or other payment source.

Tap Payments Customers API

Customer records for vaulting and recurring payments.

Tap Payments Invoices API

Hosted, payable invoices.

Tap Payments Payouts API

Settlements paid out to the merchant.

Tap Payments Refunds API

Refund a captured charge.

Tap Payments Tokens API

Single-use tokenization of cards and wallets.

Scroll for all 10

Open Collections 11

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

API Collection

OPEN COLLECTION

Tap Payments Authorize API

OPEN COLLECTION

Tap Payments Authorize Business API

OPEN COLLECTION

Tap Payments Authorize Cards API

OPEN COLLECTION

Tap Payments Authorize Charges API

OPEN COLLECTION

Tap Payments Authorize Customers API

OPEN COLLECTION

Tap Payments Authorize Invoices API

OPEN COLLECTION

Tap Payments Authorize Payouts API

OPEN COLLECTION

Tap Payments Authorize Refunds API

OPEN COLLECTION

Tap Payments Authorize Tokens API

OPEN COLLECTION

Tap Payments API

OPEN COLLECTION

Scroll for all 11

Pricing Plans 1

Published pricing tiers and plan structures.

Tap Payments Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Tap Payments Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Tap Payments Finops

FINOPS

Security Posture 2

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

Tap Payments Authentication

http · 1 scheme

SECURITY

Tap Payments Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Tap Payments Agentic Access

29 operations · 13 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

LinkedIn

Website

Website

Source (apis.yml)

aid: tap-payments
url: https://raw.githubusercontent.com/api-evangelist/tap-payments/refs/heads/main/apis.yml
name: Tap Payments
kind: company
description: Tap Payments is a payment gateway and financial infrastructure provider for the Middle East and North Africa
  (MENA). Its REST API lets merchants accept online payments across the GCC and Egypt - cards (Visa, Mastercard, Amex), local
  schemes (mada in Saudi Arabia, KNET in Kuwait, Benefit in Bahrain), and wallets (Apple Pay, Google Pay) - through Charges
  and Authorize/Capture flows, with Tokens for saved cards, Customers, Refunds, Invoices, Payouts, and merchant onboarding
  via the Business API. Authentication is a secret API key passed as a Bearer token, with separate test and live keys issued
  from the Tap dashboard.
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: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tap-payments.png
tags:
- Payments
- Fintech
- Payment Gateway
- MENA
- Middle East
- Online Payments
- Charges
- Cards
- KNET
- mada
- Financial Infrastructure
created: '2026-07-12'
modified: '2026-07-12'
specificationVersion: '0.23'
apis:
- aid: tap-payments:tap-payments-webhooks
  name: Tap Payments Webhooks
  tags:
  - Webhook
  - Event
  - Notification
  tags_raw:
  - Webhooks
  - Events
  - Notifications
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.tap.company/docs/webhook
  baseURL: https://api.tap.company/v2
  properties:
  - url: https://developers.tap.company/docs/webhook
    type: Documentation
  description: Server-to-server HTTP POST callbacks (Instant Payment Notification) that Tap sends to your configured endpoint
    when a charge, authorize, invoice, or recurring payment changes state. Payloads are signed with an HMAC-SHA256 hashstring
    header for verification. This is HTTP push, not a WebSocket.
- aid: tap-payments:tap-payments-authorize-api
  name: Tap Payments Authorize API
  description: Authorize (hold) funds for later capture.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Authorize
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-authorize-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-business-api
  name: Tap Payments Business API
  description: Business, merchant, and destination onboarding.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Business
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-business-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-cards-api
  name: Tap Payments Cards API
  description: Saved cards (card-on-file) attached to a customer.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-cards-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-charges-api
  name: Tap Payments Charges API
  description: Charge a card or other payment source.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Charges
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-charges-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-customers-api
  name: Tap Payments Customers API
  description: Customer records for vaulting and recurring payments.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-customers-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-invoices-api
  name: Tap Payments Invoices API
  description: Hosted, payable invoices.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-invoices-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-payouts-api
  name: Tap Payments Payouts API
  description: Settlements paid out to the merchant.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-payouts-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-refunds-api
  name: Tap Payments Refunds API
  description: Refund a captured charge.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-refunds-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
- aid: tap-payments:tap-payments-tokens-api
  name: Tap Payments Tokens API
  description: Single-use tokenization of cards and wallets.
  humanURL: https://developers.tap.company/reference/create-a-charge
  baseURL: https://api.tap.company/v2
  tags:
  - Tokens
  properties:
  - type: OpenAPI
    url: openapi/tap-payments-tokens-api-openapi.yml
  - type: Documentation
    url: https://developers.tap.company/docs/get-started
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-charge
  - type: APIReference
    url: https://developers.tap.company/reference/authorize
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-refund
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-customer
  - type: APIReference
    url: https://developers.tap.company/reference/tokens
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-card
  - type: APIReference
    url: https://developers.tap.company/reference/create-an-invoice
  - type: APIReference
    url: https://developers.tap.company/reference/retrieve-a-payout
  - type: APIReference
    url: https://developers.tap.company/reference/create-a-business
common:
- type: AgenticAccess
  url: agentic-access/tap-payments-agentic-access.yml
- type: DomainSecurity
  url: security/tap-payments-domain-security.yml
- type: Authentication
  url: authentication/tap-payments-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Tap-Payments
- type: LinkedIn
  url: https://www.linkedin.com/company/tap-payments
- type: Website
  url: https://www.tap.company
- type: Documentation
  url: https://developers.tap.company/docs/get-started
- type: Plans
  url: plans/tap-payments-plans-pricing.yml
- type: RateLimits
  url: rate-limits/tap-payments-rate-limits.yml
- type: FinOps
  url: finops/tap-payments-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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