TerraPay

TerraPay is a global cross-border payments and digital-wallet infrastructure company connecting banks, mobile wallets, money-transfer operators, merchants, and card networks into a single interoperable network for real-time international money movement. Its partner API Suite follows the GSMA Mobile Money API, exposing account validation, FX quotations, and multi-rail transactions (wallet, bank account, and card) across global remittance corridors, with compliance, monitoring, reconciliation, and reporting built into the platform. Partners authenticate with signed request headers over mutual TLS across Sandbox, UAT, and LIVE environments. Added to the API Evangelist network from the Partech portfolio and enriched from TerraPay's public developer portal.

TerraPay publishes 1 API on the APIs.io network. Tagged areas include Company, Financial Services, Payments, Cross-Border Payments, and Remittances.

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

TerraPay’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub
29.4/100 emerging ▬ flat Agent 43/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs 1 MCP Servers
CompanyFinancial ServicesPaymentsCross-Border PaymentsRemittancesMobile MoneyDigital WalletsMoney TransferFintechGSMA Mobile Money API

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 29.4/100 · emerging
Contract Quality 5.7 / 25
Developer Ergonomics 12.2 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 1.0 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 43/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/terrapay: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 1

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

TerraPay API Suite

GSMA Mobile Money API profile for account validation, FX quotations, and multi-rail money movement (wallet/bank/card) across international corridors.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

terrapay-mcp.yml

MCP SERVER

Event Specifications 1

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

Terrapay Notifications Webhooks

ASYNCAPI

Security Posture 2

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

Terrapay Authentication

apiKey/custom-signed-headers/mutualTLS · 6 schemes

SECURITY

Terrapay Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer
MCPServer
 LLMsTxt
LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 DataModel
DataModel

Scroll for all 7

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: terrapay
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/terrapay.png
name: TerraPay
description: TerraPay is a global cross-border payments and digital-wallet infrastructure company connecting banks, mobile
  wallets, money-transfer operators, merchants, and card networks into a single interoperable network for real-time international
  money movement. Its partner API Suite follows the GSMA Mobile Money API, exposing account validation, FX quotations, and
  multi-rail transactions (wallet, bank account, and card) across global remittance corridors, with compliance, monitoring,
  reconciliation, and reporting built into the platform. Partners authenticate with signed request headers over mutual TLS
  across Sandbox, UAT, and LIVE environments. Added to the API Evangelist network from the Partech portfolio and enriched
  from TerraPay's public developer portal.
url: https://raw.githubusercontent.com/api-evangelist/terrapay/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- partech
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Financial Services
- Payments
- Cross-Border Payments
- Remittances
- Mobile Money
- Digital Wallets
- Money Transfer
- Fintech
- GSMA Mobile Money API
apis:
- name: TerraPay API Suite
  description: GSMA Mobile Money API profile for account validation, FX quotations, and multi-rail money movement (wallet/bank/card)
    across international corridors.
  humanURL: https://developers.terrapay.com/docs/
  baseURL: https://uat-connect.terrapay.com:21211
  tags:
  - Payments
  - Cross-Border Payments
  - Mobile Money
  properties:
  - type: Documentation
    url: https://developers.terrapay.com/docs/
  - type: APIReference
    url: https://developers.terrapay.com/apiReference.html
  - type: GettingStarted
    url: https://developers.terrapay.com/getStarted.html
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 11
  pass: local-v1
common:
- type: Website
  url: https://www.terrapay.com/
- type: DeveloperPortal
  url: https://developers.terrapay.com/
- type: Documentation
  url: https://developers.terrapay.com/docs/
- type: APIReference
  url: https://developers.terrapay.com/apiReference.html
- type: GettingStarted
  url: https://developers.terrapay.com/getStarted.html
- type: Authentication
  url: authentication/terrapay-authentication.yml
- type: Conventions
  url: conventions/terrapay-conventions.yml
- type: Idempotency
  url: conventions/terrapay-conventions.yml
- type: ErrorCatalog
  url: errors/terrapay-problem-types.yml
- type: Conformance
  url: conformance/terrapay-conformance.yml
- type: Lifecycle
  url: lifecycle/terrapay-lifecycle.yml
- type: MCPServer
  url: mcp/terrapay-mcp.yml
- type: LLMsTxt
  url: llms/terrapay-llms.txt
- type: Sandbox
  url: sandbox/terrapay-sandbox.yml
- type: Webhooks
  url: asyncapi/terrapay-notifications-webhooks.yml
- type: DataModel
  url: data-model/terrapay-data-model.yml
- type: DomainSecurity
  url: security/terrapay-domain-security.yml