WIBMO

Wibmo is a full-stack PayTech company (acquired by PayU / Naspers in 2019) providing payment security, digital payments, and digital financial services to banks, fintechs, and businesses worldwide. Its platforms and products include the Areion Payment Gateway, Token Hub tokenization, Trident FRM fraud risk management, Tridentity identity and multi-factor authentication, the ACCOSA IVS 3-D Secure authentication server, and a white-label digital wallet and prepaid card-issuing platform. The Wibmo developer portal documents Token Hub, Payment Gateway (3-D Secure authentication and authorization), Prepaid card issuance and lifecycle management, Fraud Risk Management, DFS/Wallet, and Android and iOS MFA (Tridentity) SDKs.

WIBMO is listed with 1 API on the APIs.io network. Tagged areas include Company, Consumer, Payments, Fintech, and Payment Gateway.

WIBMO’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, authentication, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

25.3/100 emerging ▬ flat Agent 3/100 human only Front door AI 3/6 light library Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Consumer Payments Fintech Payment Gateway Tokenization Fraud Prevention 3D Secure Authentication Digital Wallet Prepaid Cards India

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 25.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 5.5 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 10.5 — up to +17.9 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/wibmo/apis.yml: open an issue on github.com/api-evangelist/wibmo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	undeclared	-	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

3-D Secure

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 1

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

Wibmo Developer Platform

Documented product APIs across Token Hub tokenization, the Areion Payment Gateway (3-D Secure authentication and authorization), Prepaid card issuance/lifecycle/transaction mana...

Security Posture 2

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

Wibmo Authentication

payload-encryption · 1 scheme

SECURITY

Wibmo Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: wibmo
name: WIBMO
description: Wibmo is a full-stack PayTech company (acquired by PayU / Naspers in 2019) providing payment security, digital
  payments, and digital financial services to banks, fintechs, and businesses worldwide. Its platforms and products include
  the Areion Payment Gateway, Token Hub tokenization, Trident FRM fraud risk management, Tridentity identity and multi-factor
  authentication, the ACCOSA IVS 3-D Secure authentication server, and a white-label digital wallet and prepaid card-issuing
  platform. The Wibmo developer portal documents Token Hub, Payment Gateway (3-D Secure authentication and authorization),
  Prepaid card issuance and lifecycle management, Fraud Risk Management, DFS/Wallet, and Android and iOS MFA (Tridentity)
  SDKs.
url: https://raw.githubusercontent.com/api-evangelist/wibmo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: library
  open_source: false
  commercial: false
  callable_host: false
  label: Library · distributed through package registries, no callable service
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
image: https://wibmo.com/wp-content/uploads/2023/01/wibmo-logo.png
x-docs-platform: readme
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
tags:
- Company
- Consumer
- Payments
- Fintech
- Payment Gateway
- Tokenization
- Fraud Prevention
- 3D Secure
- Authentication
- Digital Wallet
- Prepaid Cards
- India
tags_raw:
- Company
- Consumer
- Payments
- Fintech
- Payment Gateway
- Tokenization
- Fraud Detection
- 3-D Secure
- Authentication
- Digital Wallet
- Prepaid Cards
- India
apis:
- name: Wibmo Developer Platform
  description: Documented product APIs across Token Hub tokenization, the Areion Payment Gateway (3-D Secure authentication
    and authorization), Prepaid card issuance/lifecycle/transaction management, Fraud Risk Management, and DFS/Wallet, plus
    Android and iOS Tridentity MFA SDKs. Requests use a payload encrypt/decrypt pattern (per-operation Encrypt and Decrypt
    APIs).
  humanURL: https://developer.wibmo.com/reference
  properties:
  - type: Documentation
    url: https://developer.wibmo.com/docs
  - type: APIReference
    url: https://developer.wibmo.com/reference
  - type: GettingStarted
    url: https://developer.wibmo.com/docs/getting-started
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/wibmo-domain-security.yml
- type: Website
  url: https://wibmo.com/
- type: DeveloperPortal
  url: https://developer.wibmo.com/
- type: Documentation
  url: https://developer.wibmo.com/docs
- type: APIReference
  url: https://developer.wibmo.com/reference
- type: GettingStarted
  url: https://developer.wibmo.com/docs/getting-started
- type: Blog
  url: https://wibmo.co/blogs/
- type: Support
  url: https://wibmo.co/contact-us/
- type: PrivacyPolicy
  url: https://wibmo.co/privacy-policy/
- type: LLMsTxt
  url: llms/wibmo-llms.txt
- type: Authentication
  url: authentication/wibmo-authentication.yml
- type: Conformance
  url: conformance/wibmo-conformance.yml
- type: Compliance
  url: https://wibmo.co/security-and-privacy/
- type: Packages
  url: packages/wibmo-packages.yml
- type: SDKs
  url: packages/wibmo-packages.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 5
  pass: local-v1

WIBMO API — frequently asked questions

Does WIBMO have an API?

Yes. APIs.io lists 1 API from WIBMO, including Wibmo Developer Platform.

How do I authenticate with the WIBMO API?

WIBMO uses bearer-token authentication (payload-encryption · 1 scheme). The details are profiled on APIs.io as Wibmo Authentication.

Is the WIBMO API ready for AI agents?

WIBMO has a Kin Score of 25.3 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

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get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
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