Toss

Toss is a Korean financial super-app operated by Viva Republica that provides REST APIs for payments, banking, credit scoring, identity verification, and financial services across the Toss ecosystem. The Toss Payments platform supports card payments, virtual accounts, mobile phone billing, bank transfers, and digital wallets including TossPay, KakaoPay, NaverPay, and SamsungPay, serving over 30 million registered users across South Korea.

Toss is listed with 4 APIs on the APIs.io network, including Payments API, and 3 more. Tagged areas include Payments, Fintech, Banking, South Korea, and Digital Wallet.

Toss’ developer surface includes documentation, engineering blog, pricing, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.8/100 emerging ▬ flat Agent 14/100 agent aware Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

4 APIs

Payments Fintech Banking South Korea Digital Wallet Credit Scoring Identity Verification Financial Services Super App

Kin Score

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

Composite quality — 19.8/100 · emerging

Contract Quality 5.1 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 3.1 / 17

Operational Transparency 2.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 14/100 · agent aware

Machine-Readable Contract 18 / 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 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 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
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
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 24.0 — up to +19.0 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points
Access Clarity scores 18.4 — up to +16.3 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/apis.yml: open an issue on github.com/api-evangelist/toss 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)	regulated	38.3 (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.

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 4

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

Toss Payments API

REST API for processing payments, authorizations, cancellations, and refunds through the Toss Payments platform. Supports card, virtual account, mobile phone, bank transfer, and...

Toss Pay API

Legacy REST API for Toss Pay payment transactions, merchant approval flows, refunds, and payment status checks. Operates on the pay.toss.im domain with API key authentication.

Toss Payments Webhooks

Event-driven webhook system for receiving real-time notifications on payment status changes, virtual account deposits, cancellations, BrandPay method updates, and marketplace pa...

Toss Payments Payouts API

API for marketplace and platform operators to disburse funds to registered sellers. Supports seller registration, payout requests, and event-driven payout status updates via web...

Toss API pricing

Not yet checked against Toss's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Merchant Agreement (Standard)	—
BrandPay Add-on	—
Payouts (Seller Disbursement)	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Toss Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Toss Rate Limits

0 limits

RATE LIMITS

FinOps 1

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

Toss Finops

FINOPS

Security Posture 1

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

Toss Domain Security

TLSv1.2 · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: toss
name: Toss
description: Toss is a Korean financial super-app operated by Viva Republica that provides REST APIs for payments, banking,
  credit scoring, identity verification, and financial services across the Toss ecosystem. The Toss Payments platform supports
  card payments, virtual accounts, mobile phone billing, bank transfers, and digital wallets including TossPay, KakaoPay,
  NaverPay, and SamsungPay, serving over 30 million registered users across South Korea.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/toss.png
url: https://raw.githubusercontent.com/api-evangelist/toss/refs/heads/main/apis.yml
created: 2026-06-13
modified: 2026-06-13
specificationVersion: '0.23'
tags:
- Payments
- Fintech
- Banking
- South Korea
- Digital Wallet
- Credit Scoring
- Identity Verification
- Financial Services
- Super App
tags_raw:
- Payments
- Fintech
- Banking
- Korea
- Digital Wallet
- Credit Scoring
- Identity Verification
- Financial Services
- Super App
- Financial-Services
apis:
- name: Toss Payments API
  description: REST API for processing payments, authorizations, cancellations, and refunds through the Toss Payments platform.
    Supports card, virtual account, mobile phone, bank transfer, and digital wallet payment methods for Korean and international
    merchants.
  humanURL: https://docs.tosspayments.com/en/api-guide
  baseURL: https://api.tosspayments.com
  tags:
  - Payments
  - Card Payments
  - Virtual Accounts
  - Refunds
  - South Korea
  tags_raw:
  - Payments
  - Card Payments
  - Virtual Accounts
  - Refunds
  - Korea
  properties:
  - type: Documentation
    url: https://docs.tosspayments.com/en/api-guide
  - type: OpenAPI
    url: https://docs.tosspayments.com/en/api-guide
  contact:
  - FN: Toss Payments Support
    email: support@tosspayments.com
    url: https://docs.tosspayments.com/en
- name: Toss Pay API
  description: Legacy REST API for Toss Pay payment transactions, merchant approval flows, refunds, and payment status checks.
    Operates on the pay.toss.im domain with API key authentication.
  humanURL: https://tossdev.github.io/api.html
  baseURL: https://pay.toss.im/api/v2
  tags:
  - Payments
  - Digital Wallet
  - South Korea
  tags_raw:
  - Payments
  - Digital Wallet
  - Korea
  properties:
  - type: Documentation
    url: https://tossdev.github.io/api.html
  contact:
  - FN: Toss Developer Support
    url: https://toss.im
- name: Toss Payments Webhooks
  description: Event-driven webhook system for receiving real-time notifications on payment status changes, virtual account
    deposits, cancellations, BrandPay method updates, and marketplace payout results.
  humanURL: https://docs.tosspayments.com/en/webhooks
  baseURL: https://api.tosspayments.com
  tags:
  - Webhook
  - Payments
  - Event
  tags_raw:
  - Webhooks
  - Payments
  - Events
  properties:
  - type: Documentation
    url: https://docs.tosspayments.com/en/webhooks
- name: Toss Payments Payouts API
  description: API for marketplace and platform operators to disburse funds to registered sellers. Supports seller registration,
    payout requests, and event-driven payout status updates via webhooks.
  humanURL: https://docs.tosspayments.com/en/integration-payouts
  baseURL: https://api.tosspayments.com
  tags:
  - Payouts
  - Marketplace
  - Sellers
  - South Korea
  tags_raw:
  - Payouts
  - Marketplace
  - Sellers
  - Korea
  properties:
  - type: Documentation
    url: https://docs.tosspayments.com/en/integration-payouts
common:
- type: DomainSecurity
  url: security/toss-domain-security.yml
- type: Website
  url: https://toss.im
- type: Documentation
  url: https://docs.tosspayments.com/en
- type: GitHubOrg
  url: https://github.com/tosspayments
- type: GitHubOrg
  url: https://github.com/toss
- type: LinkedIn
  url: https://www.linkedin.com/company/viva-republica
- type: Blog
  url: https://toss.tech
- type: Pricing
  url: https://docs.tosspayments.com/en/overview
- type: StatusPage
  url: https://status.tosspayments.com
- type: X
  url: https://x.com/toss_im
- type: Plans
  url: plans/toss-plans-pricing.yml
- type: RateLimits
  url: rate-limits/toss-rate-limits.yml
- type: FinOps
  url: finops/toss-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Toss API — frequently asked questions

Does Toss have an API?

Yes. APIs.io lists 4 APIs from Toss, including Toss Payments API, Toss Pay API and Toss Payments Webhooks, and 1 more.

Is there an OpenAPI specification for the Toss API?

Yes. APIs.io indexes 1 OpenAPI specification for Toss, each linked for download from this page.

How much does the Toss API cost?

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

Is the Toss API ready for AI agents?

Toss has a Kin Score of 19.8 out of 100 (emerging) and an Agent Readiness score of 13.6 (agent-aware), scored by API Evangelist on 2026-11-06.

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