# VoPay

**Canonical:** https://apis.io/providers/vopay/  
**Website:** https://vopay.com/  
**APIs profiled:** 23

VoPay is a Vancouver, Canada based fintech offering an API-first embedded finance and payments-as-a-service platform that lets software companies, marketplaces, lenders, and enterprises move money across Canadian and North American bank rails from a single set of REST endpoints. Its Fintech-as-a-Service suite spans EFT, Interac e-Transfer, ACH, RTP/FedNow/FedWire, VoPay Instant, card and digital-wallet payments, cross-border and global cash management, virtual accounts, ledgering, scheduled and recurring payments, bank-account verification (IQ11), KYC/AML onboarding, and dispute management. VoPay ships a genuine public developer portal (docs.vopay.com) with a sandbox, an OpenAPI-backed API reference segmented by product, webhooks for transaction and account events, and API-key-plus-shared-secret signature authentication with IP whitelisting. Its home market is Canada, where it operates as an API-native money-movement layer over Interac and Payments Canada rails.

## Kin Score — 51.6 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 51.6).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 61.0 |
| Governance | 11.5 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 44.7 |

Regulatory layer — **Banking & Open Finance**: 39.2 (matched via tags).

## Agent readiness — 57.4 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| 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 (23)

- **VoPay Accounts API** — VoPay's Accounts API — 44 documented operation(s) across 40 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Account Onboarding API** — VoPay's Account Onboarding API — 9 documented operation(s) across 9 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Bill Pay API** — VoPay's Bill Pay API — 8 documented operation(s) across 8 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Blocked Accounts API** — VoPay's Blocked Accounts API — 3 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Branding API** — VoPay's Branding API — 6 documented operation(s) across 6 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Client Accounts API** — VoPay's Client Accounts API — 41 documented operation(s) across 40 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Contact API** — VoPay's Contact API — 15 documented operation(s) across 15 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Convenience Fees API** — VoPay's Convenience Fees API — 6 documented operation(s) across 2 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Dispute Management Endpoints API** — VoPay's Dispute Management Endpoints API — 11 documented operation(s) across 11 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay eLinx API** — VoPay's eLinx API — 5 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay File Conversion API** — VoPay's File Conversion API — 8 documented operation(s) across 8 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Global Cash Management API** — VoPay's Global Cash Management API — 35 documented operation(s) across 35 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Integrations and Support API** — VoPay's Integrations and Support API — 32 documented operation(s) across 32 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay IQ11 API** — VoPay's IQ11 API — 8 documented operation(s) across 7 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Payments API** — VoPay's Payments API — 1 documented operation(s) across 1 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Payment Methods API** — VoPay's Payment Methods API — 51 documented operation(s) across 51 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Payment Rails API** — VoPay's Payment Rails API — 85 documented operation(s) across 85 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Ping API** — VoPay's Ping API — 3 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Remittance API API** — VoPay's Remittance API API — 1 documented operation(s) across 1 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Scheduled Payments API** — VoPay's Scheduled Payments API — 6 documented operation(s) across 5 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Transaction Management API** — VoPay's Transaction Management API — 7 documented operation(s) across 7 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Verification API** — VoPay's Verification API — 13 documented operation(s) across 13 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
- **VoPay Virtual Accounts API** — VoPay's Virtual Accounts API — 6 documented operation(s) across 5 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.

## MCP servers (1)

- **vopay-mcp.yml**

## Agentic access (1)

- **Vopay Agentic Access** — 404 operations · 258 acting

## Security (3)

- **Vopay Authentication** — apiKey/signature · 1 scheme
- **Vopay Domain Security** — TLSv1.3 · HSTS · DMARC
- **Vopay Vulnerability Disclosure** — security.txt · contact published

## Tags

Payments, Canada, Embedded Finance, Payments as a Service, Account-to-Account, EFT, Interac e-Transfer, ACH, Real-Time Payments, Cross-Border, Money Transfer, Bank Account Verification, KYC, Virtual Accounts, Open Banking

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