# Versapay

**Canonical:** https://apis.io/providers/versapay/  
**Website:** https://versapay.com  
**APIs profiled:** 2

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.

## Kin Score — 56.5 / 100 (strong)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 55.4).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 56.2 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 42.1 |
| Developer Ergonomics | 49.4 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Payments**: 75.0 (matched via tags).

## Agent readiness — 42.1 (agent-ready)

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

## APIs (2)

- **Versapay API Reference** — 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,...
- **Versapay Ecommerce API** — 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), ...

## MCP servers (1)

- **Versapay MCP Server**

## Agentic access (1)

- **Versapay Agentic Access** — 106 operations · 54 acting · 2 human-in-the-loop

## Security (2)

- **Versapay Authentication** — http/oauth2/openIdConnect · 4 schemes
- **Versapay Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Payments, Canada, Accounts Receivable, AR Automation, Order-to-Cash, Payment Acceptance, Payment Processing, B2B Payments, Invoicing, E-Commerce, Card Present, Webhook

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