# Volt

**Canonical:** https://apis.io/providers/volt-io/  
**Website:** https://volt.io/  
**APIs profiled:** 7

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.

## Kin Score — 52.2 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 52.2).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 50.7 |
| Governance | 11.5 |
| Operational Transparency | 47.4 |
| Developer Ergonomics | 66.8 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Banking & Open Finance**: 45.6 (matched via tags).

## Agent readiness — 47.5 (agent-native)

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

## APIs (7)

- **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 Accounts API** — The Accounts API powers Volt Accounts and virtual IBANs for settlement, collections, payouts and refunds, giving merchants programmatic named accounts for receiving and disbursi...
- **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 Global Api Accounts** — Volt Global Api Accounts from Volt, described in OpenAPI.

## MCP servers (1)

- **volt-io-mcp.yml**

## Agentic access (1)

- **Volt Io Agentic Access** — 21 operations · 10 acting

## Security (3)

- **Volt Io Authentication** — http/oauth2 · 1 scheme
- **Volt Io Domain Security** — TLSv1.3 · HSTS · DMARC
- **Volt Io Vulnerability Disclosure** — security.txt · contact published

## Tags

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

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