Toss Payments

Toss Payments is a South Korean payment gateway (PG) operated by Viva Republica, the company behind the Toss super-app. Its REST API lets merchants accept and manage online payments across cards, Korean easy-pay wallets (Toss Pay, KakaoPay, Naver Pay), virtual accounts, bank transfer, and mobile-phone billing. The Core API (base https://api.tosspayments.com) covers payment confirmation and cancellation, recurring billing keys, virtual account issuance, cash receipts, transaction and settlement queries, and seller payouts, with asynchronous results delivered by webhooks. Authentication is HTTP Basic using a secret API key.

Toss Payments publishes 8 API contracts indexed on the APIs.io network, including Billing API, Cash Receipts API, and 6 more. Tagged areas include Payments, Payment Gateway, South Korea, Cards, and Easy Pay.

The Toss Payments catalog on APIs.io includes 1 Spectral governance ruleset.

Toss Payments’ developer surface includes authentication, documentation, engineering blog, and 7 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

28.0/100 thin ▬ flat Agent 30/100 agent ready Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Payments Payment Gateway South Korea CardsEasy PayVirtual Accounts Billing Checkout Fintech

Kin Score

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

Composite quality — 28.0/100 · thin

Contract Quality 9.6 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 1.2 / 15

Operational Transparency 0.8 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 1.6 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 30/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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
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
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 7.9 — up to +18.4 composite points
Developer Ergonomics scores 32.1 — up to +13.6 composite points
Contract Quality scores 51.0 — up to +12.3 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/toss-payments/apis.yml: open an issue on github.com/api-evangelist/toss-payments 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
Korea MyData (licensed MyData operators, authentication bodies and information providers)	undeclared	-	-	-

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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 8

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

Toss Payments Brandpay API

Brandpay is Toss Payments' embeddable in-merchant easy-pay wallet, letting customers register payment methods once and reuse them. Method and customer status changes are pushed ...

Toss Payments Billing API

Recurring (automatic) payments via billing keys.

Toss Payments Cash Receipts API

Korean cash receipt (현금영수증) issuance and cancellation.

Toss Payments API

Confirm, retrieve, and cancel payments.

Toss Payments Payouts API

Marketplace balance and seller payouts (v2).

Toss Payments Settlements API

Settlement queries and manual settlement requests.

Toss Payments Transactions API

Transaction ledger queries.

Toss Payments Virtual Accounts API

Per-order virtual bank account issuance.

Scroll for all 8

Open Collections 8

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Toss Payments Core Billing API

OPEN COLLECTION

Toss Payments Core Billing Cash Receipts API

OPEN COLLECTION

Toss Core Billing Payments API

OPEN COLLECTION

Toss Payments Core Billing Payouts API

OPEN COLLECTION

Toss Payments Core Billing Settlements API

OPEN COLLECTION

Toss Payments Core Billing Transactions API

OPEN COLLECTION

Toss Payments Core Billing Virtual Accounts API

OPEN COLLECTION

Toss Payments Core API

OPEN COLLECTION

Scroll for all 8

Toss Payments API pricing

Not yet checked against Toss Payments's own pricing page. Compiled by API Evangelist on 2026-07-12 from www.tosspayments.com; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Test / Sandbox free	—
Live (Per-Transaction PG Fees) usage	—
Enterprise / Marketplace enterprise	—

Plan details, limits and sources →

Rate limits

Core API Requests: not published requests
Transactions Query Page Size: 5000 per page records
Cash Receipts Query Page Size: 10000 per page records

Compiled by API Evangelist, not yet checked against Toss Payments's documentation. All 5 limits →

Pricing Plans 1

Published pricing tiers and plan structures.

Toss Payments Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Toss Payments Rate Limits

5 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Toss Payments

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Toss Payments Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Toss Payments API Rules

68 rules · 66 errors 1 warnings 1 info

SPECTRAL

Security Posture 2

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

Toss Payments Authentication

http · 1 scheme

SECURITY

Toss Payments Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Toss Payments Agentic Access

17 operations · 11 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Source (apis.yml)

aid: toss-payments
url: https://raw.githubusercontent.com/api-evangelist/toss-payments/refs/heads/main/apis.yml
name: Toss Payments
kind: company
description: Toss Payments is a South Korean payment gateway (PG) operated by Viva Republica, the company behind the Toss
  super-app. Its REST API lets merchants accept and manage online payments across cards, Korean easy-pay wallets (Toss Pay,
  KakaoPay, Naver Pay), virtual accounts, bank transfer, and mobile-phone billing. The Core API (base https://api.tosspayments.com)
  covers payment confirmation and cancellation, recurring billing keys, virtual account issuance, cash receipts, transaction
  and settlement queries, and seller payouts, with asynchronous results delivered by webhooks. Authentication is HTTP Basic
  using a secret API key.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/toss-payments.png
tags:
- Payments
- Payment Gateway
- South Korea
- Cards
- Easy Pay
- Virtual Accounts
- Billing
- Checkout
- Fintech
tags_raw:
- Payments
- Payment Gateway
- South Korea
- Cards
- Easy Pay
- Virtual Account
- Billing
- Checkout
- Fintech
created: '2026-07-12'
modified: '2026-09-16'
specificationVersion: '0.23'
apis:
- aid: toss-payments:toss-payments-brandpay-api
  name: Toss Payments Brandpay API
  tags:
  - Brandpay
  - Easy Pay
  - Wallets
  tags_raw:
  - Brandpay
  - Easy Pay
  - Wallet
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.tosspayments.com/reference/brandpay
  baseURL: https://api.tosspayments.com
  properties:
  - url: https://docs.tosspayments.com/reference/brandpay
    type: Documentation
  description: Brandpay is Toss Payments' embeddable in-merchant easy-pay wallet, letting customers register payment methods
    once and reuse them. Method and customer status changes are pushed via the METHOD_UPDATED and CUSTOMER_STATUS_CHANGED
    webhooks. (Documented product; individual Brandpay endpoints are not modeled in the OpenAPI in this entry.)
- aid: toss-payments:toss-payments-billing-api
  name: Toss Payments Billing API
  description: Recurring (automatic) payments via billing keys.
  humanURL: https://docs.tosspayments.com/reference
  baseURL: https://api.tosspayments.com
  tags:
  - Billing
  properties:
  - type: OpenAPI
    url: openapi/toss-payments-billing-api-openapi.yml
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: APIReference
    url: https://docs.tosspayments.com/reference
  - type: PostmanCollection
    url: collections/toss-payments.postman_collection.json
  - type: OpenCollection
    url: collections/toss-payments.opencollection.json
  - type: Documentation
    url: https://docs.tosspayments.com/guides/v2/billing/integration-api
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
- aid: toss-payments:toss-payments-cash-receipts-api
  name: Toss Payments Cash Receipts API
  description: Korean cash receipt (현금영수증) issuance and cancellation.
  humanURL: https://docs.tosspayments.com/reference
  baseURL: https://api.tosspayments.com
  tags:
  - Cash Receipts
  properties:
  - type: OpenAPI
    url: openapi/toss-payments-cash-receipts-api-openapi.yml
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: APIReference
    url: https://docs.tosspayments.com/reference
  - type: PostmanCollection
    url: collections/toss-payments.postman_collection.json
  - type: OpenCollection
    url: collections/toss-payments.opencollection.json
  - type: Documentation
    url: https://docs.tosspayments.com/guides/v2/billing/integration-api
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
- aid: toss-payments:toss-payments-payments-api
  name: Toss Payments API
  description: Confirm, retrieve, and cancel payments.
  humanURL: https://docs.tosspayments.com/reference
  baseURL: https://api.tosspayments.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/toss-payments-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: APIReference
    url: https://docs.tosspayments.com/reference
  - type: PostmanCollection
    url: collections/toss-payments.postman_collection.json
  - type: OpenCollection
    url: collections/toss-payments.opencollection.json
  - type: Documentation
    url: https://docs.tosspayments.com/guides/v2/billing/integration-api
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
- aid: toss-payments:toss-payments-payouts-api
  name: Toss Payments Payouts API
  description: Marketplace balance and seller payouts (v2).
  humanURL: https://docs.tosspayments.com/reference
  baseURL: https://api.tosspayments.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/toss-payments-payouts-api-openapi.yml
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: APIReference
    url: https://docs.tosspayments.com/reference
  - type: PostmanCollection
    url: collections/toss-payments.postman_collection.json
  - type: OpenCollection
    url: collections/toss-payments.opencollection.json
  - type: Documentation
    url: https://docs.tosspayments.com/guides/v2/billing/integration-api
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
- aid: toss-payments:toss-payments-settlements-api
  name: Toss Payments Settlements API
  description: Settlement queries and manual settlement requests.
  humanURL: https://docs.tosspayments.com/reference
  baseURL: https://api.tosspayments.com
  tags:
  - Settlement
  tags_raw:
  - Settlements
  properties:
  - type: OpenAPI
    url: openapi/toss-payments-settlements-api-openapi.yml
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: APIReference
    url: https://docs.tosspayments.com/reference
  - type: PostmanCollection
    url: collections/toss-payments.postman_collection.json
  - type: OpenCollection
    url: collections/toss-payments.opencollection.json
  - type: Documentation
    url: https://docs.tosspayments.com/guides/v2/billing/integration-api
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
- aid: toss-payments:toss-payments-transactions-api
  name: Toss Payments Transactions API
  description: Transaction ledger queries.
  humanURL: https://docs.tosspayments.com/reference
  baseURL: https://api.tosspayments.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/toss-payments-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: APIReference
    url: https://docs.tosspayments.com/reference
  - type: PostmanCollection
    url: collections/toss-payments.postman_collection.json
  - type: OpenCollection
    url: collections/toss-payments.opencollection.json
  - type: Documentation
    url: https://docs.tosspayments.com/guides/v2/billing/integration-api
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
- aid: toss-payments:toss-payments-virtual-accounts-api
  name: Toss Payments Virtual Accounts API
  description: Per-order virtual bank account issuance.
  humanURL: https://docs.tosspayments.com/reference
  baseURL: https://api.tosspayments.com
  tags:
  - Virtual Accounts
  properties:
  - type: OpenAPI
    url: openapi/toss-payments-virtual-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: APIReference
    url: https://docs.tosspayments.com/reference
  - type: PostmanCollection
    url: collections/toss-payments.postman_collection.json
  - type: OpenCollection
    url: collections/toss-payments.opencollection.json
  - type: Documentation
    url: https://docs.tosspayments.com/guides/v2/billing/integration-api
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
common:
- type: AgenticAccess
  url: agentic-access/toss-payments-agentic-access.yml
- type: DomainSecurity
  url: security/toss-payments-domain-security.yml
- type: Authentication
  url: authentication/toss-payments-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/tosspayments
- type: Website
  url: https://www.tosspayments.com
- type: Documentation
  url: https://docs.tosspayments.com/en
- type: Plans
  url: plans/toss-payments-plans-pricing.yml
- type: RateLimits
  url: rate-limits/toss-payments-rate-limits.yml
- type: FinOps
  url: finops/toss-payments-finops.yml
- url: https://www.tosspayments.com/blog
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Toss Payments API — frequently asked questions

Does Toss Payments have an API?

Yes. APIs.io lists 8 APIs from Toss Payments, including Toss Payments Brandpay API, Toss Payments Billing API and Toss Payments Cash Receipts API, and 5 more.

Is there an OpenAPI specification for the Toss Payments API?

Yes. APIs.io indexes 7 OpenAPI specifications for Toss Payments, each linked for download from this page.

How do I authenticate with the Toss Payments API?

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

How much does the Toss Payments API cost?

APIs.io lists 3 pricing plans for Toss Payments, with each plan's price, limits and inclusions under Pricing on this page.

Is the Toss Payments API ready for AI agents?

Toss Payments has a Kin Score of 28.0 out of 100 (thin) and an Agent Readiness score of 30.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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