Tapi

Tapi (tapi.la) is the leading payment network in Latin America, founded in 2022. It provides embeddable financial infrastructure — bill and service payments, cash-in/cash-out, phone and airtime recharges, digital gift cards and PINs, and scheduled/recurring payments — that fintechs, banks and neobanks integrate through a single regional API. Tapi operates across Argentina, Chile, Colombia, Mexico and Peru, exposing a directory of thousands of billers plus Services, Recharges, Subscriptions and Agenda products, with asynchronous operation-status polling and webhook notifications, behind a token-based Login service. tapi_pay extends the network into payment acceptance.

Tapi is listed with 1 API on the APIs.io network. Tagged areas include Company, Payments, Bill Payments, Fintech, and Latin America.

The Tapi catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Tapi’s developer surface includes documentation, API reference, getting-started guide, engineering blog, authentication, YouTube channel, and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

24.2/100 emerging ▬ flat Agent 20/100 agent aware Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Payments Bill Payments Fintech Latin America Recharges Gift Cards Financial InfrastructurePayment Network

Kin Score

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

Composite quality — 24.2/100 · emerging

Contract Quality 8.3 / 21

Developer Ergonomics 3.6 / 17

Access Clarity 1.8 / 17

Operational Transparency 2.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.5 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 20/100 · agent aware

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 6 / 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 3 / 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 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)
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
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

10 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 10.5 — up to +17.9 composite points
Developer Ergonomics scores 21.4 — up to +15.7 composite points
Contract Quality scores 39.0 — up to +15.3 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/tapi/apis.yml: open an issue on github.com/api-evangelist/tapi 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Argentine Fintech Registers (BCRA PSP + entities, CNV agents + PSAV, Cámara Fintech)	standard	34.5 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

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

Tapi API

Regional bill-payment and payments infrastructure API — biller directory, service/bill payments, phone recharges, subscriptions, scheduled-payment agendas and digital gift cards...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Tapi Webhooks

ASYNCAPI

Security Posture 2

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

Tapi Authentication

token · 1 scheme

SECURITY

Tapi Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Webhooks

Webhooks

Access & Security 3

Authentication, authorization, and security posture

Security

Security

Authentication

Authentication

DomainSecurity

DomainSecurity

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Source (apis.yml)

aid: tapi
name: Tapi
description: Tapi (tapi.la) is the leading payment network in Latin America, founded in 2022. It provides embeddable financial
  infrastructure — bill and service payments, cash-in/cash-out, phone and airtime recharges, digital gift cards and PINs,
  and scheduled/recurring payments — that fintechs, banks and neobanks integrate through a single regional API. Tapi operates
  across Argentina, Chile, Colombia, Mexico and Peru, exposing a directory of thousands of billers plus Services, Recharges,
  Subscriptions and Agenda products, with asynchronous operation-status polling and webhook notifications, behind a token-based
  Login service. tapi_pay extends the network into payment acceptance.
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://hebbkx1anhila5yf.public.blob.vercel-storage.com/Isologotipo%20tapi%20negro-1F26IShaiaKI9XHv5vPfH3EVzXgKYQ.png
url: https://raw.githubusercontent.com/api-evangelist/tapi/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
x-docs-hosting: aws-cloudfront
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 6
  pass: local-v1
tags:
- Company
- Payments
- Bill Payments
- Fintech
- Latin America
- Recharges
- Gift Cards
- Financial Infrastructure
- Payment Network
apis:
- name: Tapi API
  description: Regional bill-payment and payments infrastructure API — biller directory, service/bill payments, phone recharges,
    subscriptions, scheduled-payment agendas and digital gift cards, with a token-based Login service and webhook callbacks.
  humanURL: https://developers.tapila.cloud/docs/
  tags:
  - Payments
  - Bill Payments
  - Recharges
  - Latin America
  properties:
  - type: Documentation
    url: https://developers.tapila.cloud/docs/
  - type: APIReference
    url: https://developers.tapila.cloud/docs/category/api---reference
  - type: GettingStarted
    url: https://developers.tapila.cloud/docs/integration/Etapas%20de%20integracion
  - type: Authentication
    url: authentication/tapi-authentication.yml
  - type: Webhooks
    url: asyncapi/tapi-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://tapi.la/
- type: DeveloperPortal
  url: https://www.tapila.dev/
- type: Documentation
  url: https://developers.tapila.cloud/docs/
- type: APIReference
  url: https://developers.tapila.cloud/docs/category/api---reference
- type: GettingStarted
  url: https://developers.tapila.cloud/docs/integration/Etapas%20de%20integracion
- type: Blog
  url: https://developers.tapila.cloud/blog
- type: PrivacyPolicy
  url: https://tapi.la/politica-de-privacidad/
- type: Security
  url: https://tapi.la/politica-de-seguridad-de-la-informacion/
- type: Authentication
  url: authentication/tapi-authentication.yml
- type: Conventions
  url: conventions/tapi-conventions.yml
- type: Webhooks
  url: asyncapi/tapi-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/tapi-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/tapi-llms.txt
- type: DomainSecurity
  url: security/tapi-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/81621645/
- type: Twitter
  url: https://twitter.com/Tapi_Latam
- type: YouTube
  url: https://www.youtube.com/@tapi_latam

Tapi — frequently asked questions

Does Tapi have an API?

Yes. APIs.io lists 1 API from Tapi, including Tapi API.

How do I authenticate with the Tapi?

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

Is the Tapi ready for AI agents?

Tapi has a Kin Score of 24.2 out of 100 (emerging) and an Agent Readiness score of 19.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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