Text'nPayMe

Text'nPayMe is an award-winning B2B fintech company, established in Armenia and incorporated in the USA in 2022, that builds embedded payment solutions for banks, fintechs, telecoms, and online shops. Its two core products are a Payment Keyboard SDK, which embeds send-money transactions directly inside 150+ messaging, social, and gaming apps via a payment keyboard for iOS, Android, and a Chrome extension, and a Payment Gateway Hub for transaction routing, reconciliation, and reporting. The company markets an "Apex Security Layer" with proprietary encryption and risk management, supports cross-border payments, and joined the 500 Global accelerator after winning the Entrepreneurship World Cup 2022 National Finals. The SDK is delivered to enterprise customers through direct integration engagements rather than a public self-serve developer portal, so no public API specification, developer documentation, or client packages are currently published.

Text’nPayMe is profiled on the APIs.io network. Tagged areas include Company, Payments, Fintech, Embedded Payments, and Payment Gateway.

🌐 Visit website 📡 Profile data on GitHub

5.3/100 minimal ▬ flat Agent 0/100 human only Front door AI 3/6 light Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessNo public API

0 APIs

Company Payments Fintech Embedded Payments Payment Gateway SDK Mobile Payments Banking Cross-Border Payments

Kin Score

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

Composite quality — 5.3/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 1.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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

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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
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
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 10.5 — up to +17.9 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/textnpayme/apis.yml: open an issue on github.com/api-evangelist/textnpayme 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
Mobile SDK Publishers (Play SDK Index, CocoaPods, ADA certification)	undeclared	-	-	1

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.

Security Posture 1

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

Textnpayme Domain Security

TLSv1.3

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Contact

Contact

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

About

About

Source (apis.yml)

aid: textnpayme
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
  gated: private
  gated_source:
  - x-api-posture
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/textnpayme.png
name: Text'nPayMe
description: Text'nPayMe is an award-winning B2B fintech company, established in Armenia and incorporated in the USA in 2022,
  that builds embedded payment solutions for banks, fintechs, telecoms, and online shops. Its two core products are a Payment
  Keyboard SDK, which embeds send-money transactions directly inside 150+ messaging, social, and gaming apps via a payment
  keyboard for iOS, Android, and a Chrome extension, and a Payment Gateway Hub for transaction routing, reconciliation, and
  reporting. The company markets an "Apex Security Layer" with proprietary encryption and risk management, supports cross-border
  payments, and joined the 500 Global accelerator after winning the Entrepreneurship World Cup 2022 National Finals. The SDK
  is delivered to enterprise customers through direct integration engagements rather than a public self-serve developer portal,
  so no public API specification, developer documentation, or client packages are currently published.
url: https://raw.githubusercontent.com/api-evangelist/textnpayme/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: The SDK is delivered to enterprise customers through direct integration engagements rather than a public
  self-serve developer portal, so no public API specification, developer documentation, or client
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Payments
- Fintech
- Embedded Payments
- Payment Gateway
- SDK
- Mobile Payments
- Banking
- Cross-Border Payments
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://textnpayme.com
- type: About
  url: https://textnpayme.com/about.html
- type: Contact
  url: https://textnpayme.com/contact.html
- type: PrivacyPolicy
  url: https://textnpayme.com/privacy.html
- type: DomainSecurity
  url: security/textnpayme-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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