XRPay

XRPay, built by Xbit Innovations, is a merchant payments platform whose Cashier API lets businesses create payment intents, issue refunds, receive webhooks and connect platform apps (XRPay Connect). The REST API at api.xrpay.it is described by a published OpenAPI 3.1 document and secured with bearer secret keys or Connect access tokens.

XRPay publishes 7 API contracts indexed on the APIs.io network, including Connected account API, Payment intents API, Payouts API, and 4 more. Tagged areas include Company, Payments, Merchant Payments, Refunds, and Webhooks.

The XRPay catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

XRPay’s developer surface includes authentication, API reference, documentation, getting-started guide, engineering blog, changelog, signup flow, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
57.0/100 strong Agent 25/100 agent aware Full breakdown ↓
scored 2026-10-09 · rubric v0.23.0
2 published contracts
CompanyPaymentsMerchant PaymentsRefundsWebhooksFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-09 · rubric v0.23.0
Composite quality — 57.0/100 · strong
Contract Quality 12.7 / 21
Developer Ergonomics 9.7 / 17
Access Clarity 14.3 / 17
Operational Transparency 3.5 / 11
Contract Governance 2.0 / 10
Discoverability 5.3 / 9
Regulatory Posture 4.0 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 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
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/.
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/xrpay: 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 7

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

XRPay Connected account API

The Connected account API from XRPay — 3 operation(s) for connected account.

XRPay Payment intents API

The Payment intents API from XRPay — 5 operation(s) for payment intents.

XRPay Payouts API

The Payouts API from XRPay — 8 operation(s) for payouts.

XRPay Payroll API

The Payroll API from XRPay — 9 operation(s) for payroll.

XRPay Refunds API

The Refunds API from XRPay — 2 operation(s) for refunds.

XRPay Sandbox API

The Sandbox API from XRPay — 2 operation(s) for sandbox.

XRPay Webhooks API

The Webhooks API from XRPay — 3 operation(s) for webhooks.

Scroll for all 7

Pricing Plans 1

Published pricing tiers and plan structures.

Xrpay Plans Pricing

3 plans

PLANS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Xrpay Context

26 classes · 115 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

XRPay API Rules

11 rules · 10 errors 1 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

PaymentIntentCreate

19 properties

JSON SCHEMA

PaymentIntent

31 properties

JSON SCHEMA

PayoutQuote

17 properties

JSON SCHEMA

Payout

16 properties

JSON SCHEMA

PayrollRun

13 properties

JSON SCHEMA

WebhookEndpointCreate

3 properties

JSON SCHEMA

Security Posture 2

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

Xrpay Authentication

http · 1 scheme

SECURITY

Xrpay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

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

Xrpay Agentic Access

45 operations · 24 acting · 1 human-in-the-loop

45 operations · 24 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

GettingStarted
GettingStarted
 DeveloperPortal
DeveloperPortal
 Login
Login
 SignUp
SignUp

Documentation 2

Reference material describing how the API behaves

APIReference
APIReference
 Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Spectral
Spectral
 JSONLD
JSONLD
 Vocabulary
Vocabulary
 DataModel
DataModel
 Idempotency
Idempotency
 Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance

Scroll for all 8

Access & Security 3

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 ChangeLog
ChangeLog
 Support
Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans
Plans
 Pricing
Pricing
 PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Hosts
Hosts

Source (apis.yml)

apis.yml Raw ↑ 
aid: xrpay
name: XRPay
description: XRPay, built by Xbit Innovations, is a merchant payments platform whose Cashier API lets businesses create payment
  intents, issue refunds, receive webhooks and connect platform apps (XRPay Connect). The REST API at api.xrpay.it is described
  by a published OpenAPI 3.1 document and secured with bearer secret keys or Connect access tokens.
url: https://raw.githubusercontent.com/api-evangelist/xrpay/refs/heads/main/apis.yml
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-09 (local-v5; was harvest)
specificationVersion: '0.20'
created: '2026-10-09'
modified: '2026-10-09'
tags:
- Company
- Payments
- Merchant Payments
- Refunds
- Webhooks
- Fintech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/xrpay-agentic-access.yml
- type: Plans
  url: plans/xrpay-plans-pricing.yml
- type: Spectral
  url: rules/xrpay-rules.yml
- type: JSONLD
  url: json-ld/xrpay-context.jsonld
- type: Vocabulary
  url: vocabulary/xrpay-vocabulary.yml
- type: DataModel
  url: data-model/xrpay-data-model.yml
- type: Idempotency
  url: conventions/xrpay-conventions.yml
- type: Conventions
  url: conventions/xrpay-conventions.yml
- type: ErrorCatalog
  url: errors/xrpay-problem-types.yml
- type: Conformance
  url: conformance/xrpay-conformance.yml
- type: Hosts
  url: hosts/xrpay-hosts.yml
- type: TrustCenter
  url: https://www.xrpay.it/trust
- type: StatusPage
  url: https://www.xrpay.it/status
- type: Authentication
  url: authentication/xrpay-authentication.yml
- type: DomainSecurity
  url: security/xrpay-domain-security.yml
- type: Website
  url: https://www.xrpay.it/
- type: APIReference
  url: https://api.xrpay.it/docs/api
- type: Documentation
  url: https://www.xrpay.it/docs
- type: GettingStarted
  url: https://www.xrpay.it/docs/getting-started
- type: DeveloperPortal
  url: https://www.xrpay.it/dashboard/developers/connect
- type: Blog
  url: https://www.xrpay.it/blog
- type: ChangeLog
  url: https://www.xrpay.it/changelog
- type: Login
  url: https://www.xrpay.it/login
- type: SignUp
  url: https://www.xrpay.it/signup?plan=starter
- type: Pricing
  url: https://www.xrpay.it/pricing
- type: PrivacyPolicy
  url: https://www.xrpay.it/privacy-policy
- type: TermsOfService
  url: https://www.xrpay.it/terms-of-service
- type: Support
  url: https://www.xrpay.it/support
apis:
- aid: xrpay:xrpay-connected-account-api
  name: XRPay Connected account API
  description: The Connected account API from XRPay — 3 operation(s) for connected account.
  humanURL: https://api.xrpay.it/docs/api
  baseURL: https://api.xrpay.it
  tags:
  - Connected account
  properties:
  - type: OpenAPI
    url: openapi/xrpay-connected-account-api-openapi.yml
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-quote-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-webhook-endpoint-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payroll-run-schema.json
- aid: xrpay:xrpay-payment-intents-api
  name: XRPay Payment intents API
  description: The Payment intents API from XRPay — 5 operation(s) for payment intents.
  humanURL: https://api.xrpay.it/docs/api
  baseURL: https://api.xrpay.it
  tags:
  - Payment intents
  properties:
  - type: OpenAPI
    url: openapi/xrpay-payment-intents-api-openapi.yml
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-quote-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-webhook-endpoint-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payroll-run-schema.json
- aid: xrpay:xrpay-payouts-api
  name: XRPay Payouts API
  description: The Payouts API from XRPay — 8 operation(s) for payouts.
  humanURL: https://api.xrpay.it/docs/api
  baseURL: https://api.xrpay.it
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/xrpay-payouts-api-openapi.yml
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-quote-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-webhook-endpoint-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payroll-run-schema.json
- aid: xrpay:xrpay-payroll-api
  name: XRPay Payroll API
  description: The Payroll API from XRPay — 9 operation(s) for payroll.
  humanURL: https://api.xrpay.it/docs/api
  baseURL: https://api.xrpay.it
  tags:
  - Payroll
  properties:
  - type: OpenAPI
    url: openapi/xrpay-payroll-api-openapi.yml
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-quote-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-webhook-endpoint-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payroll-run-schema.json
- aid: xrpay:xrpay-refunds-api
  name: XRPay Refunds API
  description: The Refunds API from XRPay — 2 operation(s) for refunds.
  humanURL: https://api.xrpay.it/docs/api
  baseURL: https://api.xrpay.it
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/xrpay-refunds-api-openapi.yml
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-quote-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-webhook-endpoint-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payroll-run-schema.json
- aid: xrpay:xrpay-sandbox-api
  name: XRPay Sandbox API
  description: The Sandbox API from XRPay — 2 operation(s) for sandbox.
  humanURL: https://api.xrpay.it/docs/api
  baseURL: https://api.xrpay.it
  tags:
  - Sandbox
  properties:
  - type: OpenAPI
    url: openapi/xrpay-sandbox-api-openapi.yml
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-quote-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-webhook-endpoint-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payroll-run-schema.json
- aid: xrpay:xrpay-webhooks-api
  name: XRPay Webhooks API
  description: The Webhooks API from XRPay — 3 operation(s) for webhooks.
  humanURL: https://api.xrpay.it/docs/api
  baseURL: https://api.xrpay.it
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/xrpay-webhooks-api-openapi.yml
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payment-intent-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payout-quote-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-webhook-endpoint-create-schema.json
  - type: JSONSchema
    url: json-schema/xrpay-payroll-run-schema.json
x-submission-notes: 'Merchant payments: intents, refunds, webhooks'
x-submission-probe: docs 200; api.xrpay.it/openapi.json OpenAPI 3.1 'XRPay Cashier API' 45 ops; invented path 404
x-submitted-by: godfred.sabbih@xbitinnovations.com (apis.io/add, 2026-10-08)
x-enrichment:
  date: '2026-10-09'
  status: enriched
  artifacts_added: 16
  pass: local-v5

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this
  • find_providersBrowse and filter every provider in the catalog.
  • get_provider_artifactsEvery artifact this provider publishes, grouped by type.
  • get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
  • 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.
  • get_provider_ratingPRO — composite, band, trend and facet scores.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

curl for this page
This provider 
curl "https://apis.io/api/v1/providers/xrpay"
All providers 
curl "https://apis.io/api/v1/providers?limit=25"
Every operation they expose 
curl "https://apis.io/api/v1/providers/xrpay/operations?limit=25"
How their score was established 
curl "https://apis.io/api/v1/providers/xrpay/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.