Volt

Volt is a London-headquartered real-time payments company that operates a global account-to-account (A2A) "pay by bank" network built on open banking rails. Founded in 2019, Volt connects merchants to bank-initiated payments across the UK (Faster Payments / Open Banking under PSD2), Europe (SEPA), Brazil (Pix), Australia (PayTo), and other real-time schemes through a single API, so shoppers pay directly from their bank account without cards. Its platform spans payment initiation, refunds, payouts, recurring payments (mandates / variable recurring payments), Volt Accounts and virtual IBANs for settlement and collections, account verification (confirmation of payee), and reconciliation reporting. Volt sells to merchants and PSPs across ecommerce, travel, gaming, iGaming and financial services, and is FCA-authorised in its home market of the United Kingdom. Volt ships a genuine, API-native developer surface: a public developer portal and OpenAPI-backed API reference at docs.volt.io, a single production gateway host (gateway.volt.io) with a sandbox, OAuth2 authentication, and webhooks for asynchronous payment events. The docs.volt.io API reference renders schemas server-side, but Volt publishes a real OpenAPI 3.0.1 definition for its Accounts API (virtual IBANs, named accounts, settlement) in the github.com/volt-io/volt-io-accounts repository, and ships first-party mobile checkout SDKs (iOS/Android) plus e-commerce plugins in the same GitHub organization.

Volt publishes 7 APIs on the APIs.io network, including Account Holder Verification API, Accounts API, Aliases API, and 4 more. Tagged areas include Payments, United Kingdom, Open Banking, Account-to-Account, and Real-Time Payments.

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

Volt’s developer surface includes authentication, sandbox, pricing, signup flow, documentation, API reference, getting-started guide, and 33 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.8/100 developing ▬ flat Agent 36/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

1 APIs

Payments United Kingdom Open Banking Account-to-Account Real-Time Payments Payment Initiation Payouts Recurring Payments Cross-Border Pay by Bank

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Transactions

POST /accounts/{accountId}/transactions

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 41.8/100 · developing

Contract Quality 11.7 / 19

Developer Ergonomics 8.5 / 15

Access Clarity 2.0 / 15

Operational Transparency 3.9 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 36/100 · 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 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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/.

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 github.com/api-evangelist/volt-io: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 12

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

Volt Payments API

Volt's Global Payments API initiates account-to-account (pay by bank) payments across open-banking and real-time schemes (UK Faster Payments, SEPA, Pix, PayTo and more), creatin...

Volt Mandates API

The Mandates API manages recurring account-to-account payments, including variable recurring payments (VRP) and mandate lifecycle, letting merchants set up and collect repeat ba...

Volt Verify API

The Verify (Account Identification) API confirms bank account ownership and details before payment, supporting confirmation-of-payee style checks to reduce misdirected payments ...

Volt Reporting API

The Reporting (Reporter) API exposes transaction, settlement and reconciliation data so merchants can retrieve reports on payments, payouts and account activity across the Volt ...

Volt Authentication API

The Authentication API issues OAuth2 access tokens for the Volt gateway. A POST to /oauth exchanges client_id, client_secret and username/password (resource-owner password grant...

Volt Account Holder Verification API

Verification services for ensuring beneficiary account ownership.

Volt Accounts API

Management of accounts.

Volt Aliases API

Issuance and management of account aliases for global reconciliation.

Volt Named Accounts API

Named account order operations.

Volt Sandbox API

Operations related to sandbox operations.

Volt Transactions API

Operations related to movement of funds, including payouts, settlements, and internal transactions.

Volt Trusted accounts API

Operations related to trusted accounts.

Scroll for all 12

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Volt Io Webhooks

ASYNCAPI

Security Posture 3

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

Volt Io Authentication

http/oauth2 · 1 scheme

SECURITY

Volt Io Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Volt Io Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

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

Volt Io Agentic Access

21 operations · 10 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Sandbox

SignUp

DeveloperPortal

GettingStarted

Login

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgenticAccess

WellKnown

LLMsTxt

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Conformance

Lifecycle

Components

Webhooks

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

Authentication

Security

SecurityTxt

Compliance

Operate 3

Status, limits, changes, and where to get help

Deprecation

Deprecation

StatusPage

StatusPage

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

Blog

Blog

Newsroom

Newsroom

LinkedIn

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: volt-io
url: https://raw.githubusercontent.com/api-evangelist/volt-io/refs/heads/main/apis.yml
name: Volt
kind: company
description: 'Volt is a London-headquartered real-time payments company that operates a global account-to-account (A2A) "pay
  by bank" network built on open banking rails. Founded in 2019, Volt connects merchants to bank-initiated payments across
  the UK (Faster Payments / Open Banking under PSD2), Europe (SEPA), Brazil (Pix), Australia (PayTo), and other real-time
  schemes through a single API, so shoppers pay directly from their bank account without cards. Its platform spans payment
  initiation, refunds, payouts, recurring payments (mandates / variable recurring payments), Volt Accounts and virtual IBANs
  for settlement and collections, account verification (confirmation of payee), and reconciliation reporting. Volt sells to
  merchants and PSPs across ecommerce, travel, gaming, iGaming and financial services, and is FCA-authorised in its home market
  of the United Kingdom. Volt ships a genuine, API-native developer surface: a public developer portal and OpenAPI-backed
  API reference at docs.volt.io, a single production gateway host (gateway.volt.io) with a sandbox, OAuth2 authentication,
  and webhooks for asynchronous payment events. The docs.volt.io API reference renders schemas server-side, but Volt publishes
  a real OpenAPI 3.0.1 definition for its Accounts API (virtual IBANs, named accounts, settlement) in the github.com/volt-io/volt-io-accounts
  repository, and ships first-party mobile checkout SDKs (iOS/Android) plus e-commerce plugins in the same GitHub organization.'
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: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United Kingdom
- Open Banking
- Account-to-Account
- Real-Time Payments
- Payment Initiation
- Payouts
- Recurring Payments
- Cross-Border
- Pay by Bank
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.23'
apis:
- aid: volt-io:volt-payments-api
  name: Volt Payments API
  description: Volt's Global Payments API initiates account-to-account (pay by bank) payments across open-banking and real-time
    schemes (UK Faster Payments, SEPA, Pix, PayTo and more), creating payments, retrieving status, and handling refunds through
    a single gateway.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Payments
  - Account-to-Account
  - Payment Initiation
  properties:
  - type: Documentation
    url: https://docs.volt.io/implementation/payments/integration-overview
  - type: APIReference
    url: https://docs.volt.io/api-reference/payments
- aid: volt-io:volt-mandates-api
  name: Volt Mandates API
  description: The Mandates API manages recurring account-to-account payments, including variable recurring payments (VRP)
    and mandate lifecycle, letting merchants set up and collect repeat bank payments under a customer mandate.
  humanURL: https://docs.volt.io/api-reference/mandates
  baseURL: https://gateway.volt.io
  tags:
  - Recurring Payments
  - Mandates
  - Variable Recurring Payments
  properties:
  - type: Documentation
    url: https://docs.volt.io/implementation/mandates
  - type: APIReference
    url: https://docs.volt.io/api-reference/mandates
- aid: volt-io:volt-verify-api
  name: Volt Verify API
  description: The Verify (Account Identification) API confirms bank account ownership and details before payment, supporting
    confirmation-of-payee style checks to reduce misdirected payments and fraud.
  humanURL: https://docs.volt.io/api-reference/verify
  baseURL: https://gateway.volt.io
  tags:
  - Verify
  - Account Identification
  - Confirmation of Payee
  properties:
  - type: Documentation
    url: https://docs.volt.io/implementation/power-tools/verify
  - type: APIReference
    url: https://docs.volt.io/api-reference/verify
- aid: volt-io:volt-reporting-api
  name: Volt Reporting API
  description: The Reporting (Reporter) API exposes transaction, settlement and reconciliation data so merchants can retrieve
    reports on payments, payouts and account activity across the Volt platform.
  humanURL: https://docs.volt.io/api-reference/reporter
  baseURL: https://gateway.volt.io
  tags:
  - Reporting
  - Reconciliation
  properties:
  - type: Documentation
    url: https://docs.volt.io/implementation/power-tools/reporter
  - type: APIReference
    url: https://docs.volt.io/api-reference/reporter
- aid: volt-io:volt-authentication-api
  name: Volt Authentication API
  description: The Authentication API issues OAuth2 access tokens for the Volt gateway. A POST to /oauth exchanges client_id,
    client_secret and username/password (resource-owner password grant) for a Bearer access_token used on all other API calls.
  humanURL: https://docs.volt.io/api-reference/authentication/post-oauth
  baseURL: https://gateway.volt.io
  tags:
  - Authentication
  tags_raw:
  - Authentication
  - OAuth2
  properties:
  - type: Documentation
    url: https://docs.volt.io/implementation/essentials/authentication
  - type: APIReference
    url: https://docs.volt.io/api-reference/authentication/post-oauth
- aid: volt-io:volt-io-account-holder-verification-api
  name: Volt Account Holder Verification API
  description: Verification services for ensuring beneficiary account ownership.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Account Holder Verification
  properties:
  - type: OpenAPI
    url: openapi/volt-io-account-holder-verification-api-openapi.yml
  - type: Documentation
    url: https://docs.volt.io/implementation/volt-accounts
  - type: APIReference
    url: https://docs.volt.io/api-reference/accounts
  - type: ToolCrosswalk
    url: mcp/volt-io-tool-crosswalk.yml
  - type: DataModel
    url: data-model/volt-io-data-model.yml
- aid: volt-io:volt-io-accounts-api
  name: Volt Accounts API
  description: Management of accounts.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/volt-io-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.volt.io/implementation/volt-accounts
  - type: APIReference
    url: https://docs.volt.io/api-reference/accounts
  - type: ToolCrosswalk
    url: mcp/volt-io-tool-crosswalk.yml
  - type: DataModel
    url: data-model/volt-io-data-model.yml
- aid: volt-io:volt-io-aliases-api
  name: Volt Aliases API
  description: Issuance and management of account aliases for global reconciliation.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Aliases
  properties:
  - type: OpenAPI
    url: openapi/volt-io-aliases-api-openapi.yml
  - type: Documentation
    url: https://docs.volt.io/implementation/volt-accounts
  - type: APIReference
    url: https://docs.volt.io/api-reference/accounts
  - type: ToolCrosswalk
    url: mcp/volt-io-tool-crosswalk.yml
  - type: DataModel
    url: data-model/volt-io-data-model.yml
- aid: volt-io:volt-io-named-accounts-api
  name: Volt Named Accounts API
  description: Named account order operations.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Named Accounts
  properties:
  - type: OpenAPI
    url: openapi/volt-io-named-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.volt.io/implementation/volt-accounts
  - type: APIReference
    url: https://docs.volt.io/api-reference/accounts
  - type: ToolCrosswalk
    url: mcp/volt-io-tool-crosswalk.yml
  - type: DataModel
    url: data-model/volt-io-data-model.yml
- aid: volt-io:volt-io-sandbox-api
  name: Volt Sandbox API
  description: Operations related to sandbox operations.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Sandbox
  properties:
  - type: OpenAPI
    url: openapi/volt-io-sandbox-api-openapi.yml
  - type: Documentation
    url: https://docs.volt.io/implementation/volt-accounts
  - type: APIReference
    url: https://docs.volt.io/api-reference/accounts
  - type: ToolCrosswalk
    url: mcp/volt-io-tool-crosswalk.yml
  - type: DataModel
    url: data-model/volt-io-data-model.yml
- aid: volt-io:volt-io-transactions-api
  name: Volt Transactions API
  description: Operations related to movement of funds, including payouts, settlements, and internal transactions.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/volt-io-transactions-api-openapi.yml
  - type: Documentation
    url: https://docs.volt.io/implementation/volt-accounts
  - type: APIReference
    url: https://docs.volt.io/api-reference/accounts
  - type: ToolCrosswalk
    url: mcp/volt-io-tool-crosswalk.yml
  - type: DataModel
    url: data-model/volt-io-data-model.yml
- aid: volt-io:volt-io-trusted-accounts-api
  name: Volt Trusted accounts API
  description: Operations related to trusted accounts.
  humanURL: https://docs.volt.io/api-reference/payments
  baseURL: https://gateway.volt.io
  tags:
  - Trusted accounts
  properties:
  - type: OpenAPI
    url: openapi/volt-io-trusted-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.volt.io/implementation/volt-accounts
  - type: APIReference
    url: https://docs.volt.io/api-reference/accounts
  - type: ToolCrosswalk
    url: mcp/volt-io-tool-crosswalk.yml
  - type: DataModel
    url: data-model/volt-io-data-model.yml
common:
- type: CapabilityMap
  url: capabilities/volt-io-capability-edges.yml
  name: Volt Business Capability Map
- type: Overlay
  url: overlays/volt-io-accounts-overlay.yaml
- type: X-MCPServerCandidate
  url: mcp/volt-io-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: VulnerabilityDisclosure
  url: security/volt-io-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/volt-io-domain-security.yml
- type: AgenticAccess
  url: agentic-access/volt-io-agentic-access.yml
- type: Authentication
  url: authentication/volt-io-authentication.yml
- type: Security
  url: https://www.volt.io/.well-known/security.txt
- type: SecurityTxt
  url: well-known/volt-io-security.txt
- type: WellKnown
  url: well-known/volt-io-well-known.yml
- type: LLMsTxt
  url: llms/volt-io-llms.txt
- type: Packages
  url: packages/volt-io-packages.yml
- type: SDKs
  url: packages/volt-io-packages.yml
- type: Conventions
  url: conventions/volt-io-conventions.yml
- type: Idempotency
  url: conventions/volt-io-conventions.yml
- type: ErrorCatalog
  url: errors/volt-io-problem-types.yml
- type: Conformance
  url: conformance/volt-io-conformance.yml
- type: Compliance
  url: https://volt.io/compliance/
- type: Lifecycle
  url: lifecycle/volt-io-lifecycle.yml
- type: Deprecation
  url: https://docs.volt.io/implementation/payments/migration-guide
- type: Sandbox
  url: sandbox/volt-io-sandbox.yml
- type: Components
  url: components/volt-io-components.yml
- type: Webhooks
  url: asyncapi/volt-io-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: GitHubOrganization
  url: https://github.com/volt-io
- type: Pricing
  url: https://volt.io/pricing/
- type: SignUp
  url: https://docs.volt.io/onboarding
- type: Website
  url: https://volt.io/
- type: DeveloperPortal
  url: https://volt.io/developers/
- type: Documentation
  url: https://docs.volt.io/
- type: APIReference
  url: https://docs.volt.io/api-reference
- type: GettingStarted
  url: https://docs.volt.io/get-started
- type: StatusPage
  url: https://status.volt.io/
- type: Blog
  url: https://volt.io/content-hub/
- type: Newsroom
  url: https://volt.io/newsroom/
- type: Login
  url: https://fuzebox.volt.io/
- type: Support
  url: https://volt.io/contact/
- type: TermsOfService
  url: https://volt.io/legal/terms/
- type: PrivacyPolicy
  url: https://volt.io/legal/privacy/
- type: LinkedIn
  url: https://www.linkedin.com/company/voltio
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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