Versapay

Versapay is a Toronto, Canada based B2B payments company focused on accounts receivable (AR) automation and integrated payment acceptance for suppliers and their buyers. Its "Collaborative AR" platform combines electronic invoicing, customer collaboration, cash application, and embedded payment processing so businesses can invoice, get paid, and reconcile inside one workflow, with ERP-adjacent integrations for order-to-cash. Versapay serves the North American mid-market and enterprise segment and, unlike consumer money-movement players in Canada's Interac-dominated market, sits in the API-native B2B acquiring and AR/AP money-movement layer. Its API posture is genuinely public and honest: developers.versapay.com hosts a Redocly-rendered reference for a broad REST platform API (onboarding, wallets, orders, order transactions, gift cards, card-present EMV, settlement reporting, autopay, customers, invoices, divisions, notifications, and webhooks) plus a separate hosted-iframe Ecommerce API for PCI-reduced payment sessions. Authentication is HTTPS Basic access authentication using an API Token and Key issued from the account console, with a UAT sandbox alongside production and a documented webhook event model.

Versapay publishes 2 APIs on the APIs.io network: API Reference and Ecommerce API. Tagged areas include Payments, Canada, Accounts Receivable, AR Automation, and Order-to-Cash.

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

Versapay’s developer surface includes authentication, sandbox, documentation, API reference, engineering blog, signup flow, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub

56.5/100 strong ▬ flat Agent 42/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

2 APIs 1 MCP Servers

PaymentsCanadaAccounts ReceivableAR AutomationOrder-to-CashPayment AcceptancePayment ProcessingB2B PaymentsInvoicingE-CommerceCard PresentWebhook

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 56.5/100 · strong

Contract Quality 11.9 / 21

Developer Ergonomics 8.4 / 17

Access Clarity 7.2 / 17

Operational Transparency 4.7 / 11

Contract Governance 3.1 / 10

Discoverability 7.4 / 9

Regulatory Posture 11.3 / 15

Agent readiness — 42/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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.

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/.

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/versapay: 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 2

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

MCP Servers 1

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

Scopes 1

OAuth scopes governing access to this provider's APIs.

Versapay Scopes

5 scopes · authorizationCode/clientCredentials/password

5 scopes

SCOPES

Agentic Access 1

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

Versapay Agentic Access

106 operations · 54 acting · 2 human-in-the-loop

106 operations · 54 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Sandbox

Sandbox

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

WellKnown

MCPServer

LLMsTxt

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

Components

DataModel

Webhooks

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

DeclineCodes

DeclineCodes

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

Authentication

OAuthScopes

Compliance

Security

Operate 2

Status, limits, changes, and where to get help

Deprecation

Deprecation

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: versapay
url: https://raw.githubusercontent.com/api-evangelist/versapay/refs/heads/main/apis.yml
name: Versapay
kind: company
description: 'Versapay is a Toronto, Canada based B2B payments company focused on accounts receivable (AR) automation and
  integrated payment acceptance for suppliers and their buyers. Its "Collaborative AR" platform combines electronic invoicing,
  customer collaboration, cash application, and embedded payment processing so businesses can invoice, get paid, and reconcile
  inside one workflow, with ERP-adjacent integrations for order-to-cash. Versapay serves the North American mid-market and
  enterprise segment and, unlike consumer money-movement players in Canada''s Interac-dominated market, sits in the API-native
  B2B acquiring and AR/AP money-movement layer. Its API posture is genuinely public and honest: developers.versapay.com hosts
  a Redocly-rendered reference for a broad REST platform API (onboarding, wallets, orders, order transactions, gift cards,
  card-present EMV, settlement reporting, autopay, customers, invoices, divisions, notifications, and webhooks) plus a separate
  hosted-iframe Ecommerce API for PCI-reduced payment sessions. Authentication is HTTPS Basic access authentication using
  an API Token and Key issued from the account console, with a UAT sandbox alongside production and a documented webhook event
  model.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Canada
- Accounts Receivable
- AR Automation
- Order-to-Cash
- Payment Acceptance
- Payment Processing
- B2B Payments
- Invoicing
- E-Commerce
- Card Present
- Webhook
tags_raw:
- Payments
- Canada
- Accounts Receivable
- AR Automation
- Order to Cash
- Payment Acceptance
- Payment Processing
- B2B Payments
- Invoicing
- Ecommerce
- Card Present
- Webhooks
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: versapay:versapay-api-reference
  name: Versapay API Reference
  description: 'The core Versapay platform REST API (v1.3.35, OpenAPI 3.0.0, 86 documented paths) covering the Collaborative
    AR and payment-acceptance surface: onboarding applications, wallets, orders and order transactions, gift cards, card-present
    EMV, reference data, settlement reporting, autopay, customers, invoices and invoicing payments, divisions, notifications,
    collaboration, file imports, and webhooks. Authenticated with HTTPS Basic access authentication (API Token and Key) against
    a UAT sandbox and production.'
  humanURL: https://developers.versapay.com/
  baseURL: https://secure.versapay.com
  tags:
  - Accounts Receivable
  - Payment Acceptance
  - Invoicing
  - Card Present
  - Webhook
  tags_raw:
  - Accounts Receivable
  - Payment Acceptance
  - Invoicing
  - Card Present
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/versapay-api-reference.json
  - type: Documentation
    url: https://developers.versapay.com/
  - type: APIReference
    url: https://developers.versapay.com/
  - type: Overlay
    url: overlays/versapay-api-reference-overlay.yaml
  - type: ToolCrosswalk
    url: mcp/versapay-tool-crosswalk.yml
- aid: versapay:versapay-ecommerce-api
  name: Versapay Ecommerce API
  description: The Versapay Ecommerce server-side API (v2.0.0, OpenAPI 3.0.0, 11 documented paths) that configures payment
    sessions, manages customer wallets (credit cards and bank accounts), creates and captures order sales and payments, checks
    gift-card balances, and validates Apple Pay merchants. It pairs with a client-side JavaScript SDK and a Versapay-hosted
    iframe so sensitive payment data never transits the merchant application, reducing PCI scope. Served from https://{subdomain}.versapay.com/api/v2.
  humanURL: https://developers.versapay.com/ecommerce/
  baseURL: https://secure.versapay.com/api/v2
  tags:
  - E-Commerce
  - Payment Sessions
  - Wallets
  - Hosted Checkout
  tags_raw:
  - Ecommerce
  - Payment Sessions
  - Wallets
  - Hosted Checkout
  properties:
  - type: OpenAPI
    url: openapi/versapay-ecommerce-api.json
  - type: Documentation
    url: https://developers.versapay.com/ecommerce/
  - type: APIReference
    url: https://developers.versapay.com/ecommerce/
  - type: Overlay
    url: overlays/versapay-ecommerce-api-overlay.yaml
common:
- type: AgenticAccess
  url: agentic-access/versapay-agentic-access.yml
- type: DomainSecurity
  url: security/versapay-domain-security.yml
- type: Authentication
  url: authentication/versapay-authentication.yml
- type: OAuthScopes
  url: scopes/versapay-scopes.yml
- type: WellKnown
  url: well-known/versapay-well-known.yml
- type: MCPServer
  url: mcp/versapay-mcp.yml
- type: LLMsTxt
  url: llms/versapay-llms.txt
- type: Conventions
  url: conventions/versapay-conventions.yml
- type: ErrorCatalog
  url: errors/versapay-problem-types.yml
- type: DeclineCodes
  url: errors/versapay-decline-codes.yml
- type: Lifecycle
  url: lifecycle/versapay-lifecycle.yml
- type: Deprecation
  url: lifecycle/versapay-lifecycle.yml
- type: Conformance
  url: conformance/versapay-conformance.yml
- type: Compliance
  url: https://versapay.com/security
- type: Sandbox
  url: sandbox/versapay-sandbox.yml
- type: Components
  url: components/versapay-components.yml
- type: DataModel
  url: data-model/versapay-data-model.yml
- type: Webhooks
  url: asyncapi/versapay-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Website
  url: https://versapay.com
- type: DeveloperPortal
  url: https://developers.versapay.com/
- type: Documentation
  url: https://developers.versapay.com/
- type: APIReference
  url: https://developers.versapay.com/
- type: StatusPage
  url: https://status.versapay.com
- type: Blog
  url: https://versapay.com/blog
- type: SignUp
  url: https://secure.versapay.com/account
- type: TermsOfService
  url: https://versapay.com/terms
- type: PrivacyPolicy
  url: https://versapay.com/legal/privacy-policy
- type: Security
  url: https://versapay.com/security
- type: LinkedIn
  url: https://www.linkedin.com/company/versapay
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com