# Tap Payments

**Canonical:** https://apis.io/providers/tap-payments/  
**Website:** https://www.tap.company  
**APIs profiled:** 10

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.

## Kin Score — 34.5 / 100 (thin)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 34.5).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 59.3 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 31.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (10)

- **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.

## Agentic access (1)

- **Tap Payments Agentic Access** — 29 operations · 13 acting

## Security (2)

- **Tap Payments Authentication** — http · 1 scheme
- **Tap Payments Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Tap Payments Plans Pricing**

## Tags

Payments, Fintech, Payment Gateway, MENA, Middle East, Online Payments, Charges, Cards, KNET, mada, Financial Infrastructure

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tap-payments/). Scores are computed from the provider's own public artifacts under a published rubric.