Tap Payments website screenshot

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 10 API contracts indexed on the APIs.io network, including Authorize API, Business API, Cards API, and 7 more. Tagged areas include Payments, Fintech, Payment Gateway, MENA, and Middle East.

The Tap Payments catalog on APIs.io includes 1 Spectral governance ruleset.

Tap Payments’ developer surface includes authentication, documentation, and 10 more developer resources.

27.6/100 thin ▬ flat Agent 21/100 agent aware Front door AI 1/6 silent Heartbeat 95/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →
AccessFreemiumSelf serve⚡ Free to try
1 published contract
PaymentsFintechPayment GatewayMENAMiddle EastOnline PaymentsChargesCardsKNETmadaFinancial Infrastructure

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Subscription Billing & Revenue Management
BC-4250
Charges
POST /charges
Customer Relationship Management
BC-420
Customers
POST /customers PUT /customers/{customer_id}

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0
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/.
Show this score on your site. Kin Score badge preview for Tap Payments It updates itself when the score changes. Paste this where you link to your API docs:
<a href="https://apis.io/providers/tap-payments/"><img src="https://apis.io/badge/tap-payments/card.svg" alt="Tap Payments on APIs.io — Kin Score by API Evangelist"></a>
Other styles, a README pill and a shields.io endpoint are on the badge page.
Raise your score.
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
  • 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
  • Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
  • Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
8 more unmet checks in the Agent Readiness table above.
Kin Score — facets with the most composite points still available (weight × headroom):
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/tap-payments/apis.yml: open an issue on github.com/api-evangelist/tap-payments 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.

measured — observed by APIs.io (published)

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 10

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

Tap Payments API

OPEN COLLECTION

Scroll for all 10

Tap Payments API pricing

Not yet checked against Tap Payments's own pricing page. Compiled by API Evangelist on 2026-07-12 from www.tap.company; confirm before you rely on a figure. A free plan or tier is listed.

PlanPrice
Test Mode (Developer) free —
Standard (Per-Transaction) usage —
Enterprise / Custom enterprise —

Plan details, limits and sources →

Rate limits

Compiled by API Evangelist, not yet checked against Tap Payments's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Rate Limits 1

Documented rate limits and quota policies.

Tap Payments Rate Limits

2 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

FinOps 1

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

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Tap Payments API Rules

57 rules · 52 errors 4 warnings 1 info

SPECTRAL

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

29 operations · 13 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
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
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/tap-payments.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-17
tags:
- Payments
- Fintech
- Payment Gateway
- MENA
- Middle East
- Online Payments
- Charges
- Cards
- KNET
- mada
- Financial Infrastructure
created: '2026-07-12'
modified: '2026-10-06'
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:
- url: https://blog.tap.company/rss/
  type: BlogRSS
- type: CapabilityMap
  url: capabilities/tap-payments-capability-edges.yml
  name: Tap Payments Business Capability Map
- 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

Tap Payments API — frequently asked questions

Does Tap Payments have an API?

Yes. APIs.io lists 10 APIs from Tap Payments, including Tap Payments Webhooks, Tap Payments Authorize API and Tap Payments Business API, and 7 more.

Is there an OpenAPI specification for the Tap Payments API?

Yes. APIs.io indexes 9 OpenAPI specifications for Tap Payments, each linked for download from this page.

How do I authenticate with the Tap Payments API?

Tap Payments uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Tap Payments Authentication.

How much does the Tap Payments API cost?

APIs.io lists 3 pricing plans for Tap Payments, with each plan's price, limits and inclusions under Pricing on this page.

Is the Tap Payments API ready for AI agents?

Tap Payments has a Kin Score of 27.6 out of 100 (thin) and an Agent Readiness score of 21.3 (agent-aware), scored by API Evangelist on 2026-11-06.

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