# Text'nPayMe

**Canonical:** https://apis.io/providers/textnpayme/  
**Website:** https://textnpayme.com  
**APIs profiled:** 0

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.

## Kin Score — 4.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 4.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Payments**: 15.6 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Textnpayme Domain Security** — TLSv1.3

## Tags

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

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