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 Webhook.

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 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

46.7/100 developing ▼ -11.5 Agent 29/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract

Company Payments Merchant Payments Refunds Webhook Fintech

What this lets a business do 3

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

Developer Platform & API Ecosystem Management

BC-4270

Webhooks

Human Capital Management

BC-300

Payroll

POST /api/v1/payroll/employees

Consumer Commerce

AE-140

Payment Intents

POST /api/v1/payment-intents

Kin Score

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

Composite quality — 46.7/100 · developing

Contract Quality 12.4 / 19

Developer Ergonomics 5.2 / 15

Access Clarity 9.9 / 15

Operational Transparency 1.5 / 10

Contract Governance 1.8 / 9

Discoverability 4.7 / 8

Regulatory Posture 3.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 29/100 · agent aware

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 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 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/.

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

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 34.5 — up to +13.1 composite points
Operational Transparency scores 15.8 — up to +10.9 composite points
Contract Governance scores 19.7 — up to +9.6 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/xrpay/apis.yml: open an issue on github.com/api-evangelist/xrpay 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 →

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.

OpenAPI

measured — observed by APIs.io (published)

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

XRPay API pricing

Prices published by XRPay.

Plan	Price
Starter	$0.00/month
Growth	$29.00/month
Enterprise	$99.00/month

Plan details, limits and sources →

Billed by: subscription · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Xrpay Plans Pricing

3 plans

PLANS

Xrpay Price Estimates

0 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

XRPay

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Xrpay Finops

FINOPS

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

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

JSONLD

Vocabulary

DataModel

Idempotency

Conventions

ErrorCatalog

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

Pricing

PrivacyPolicy

TermsOfService

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Hosts

Hosts

Source (apis.yml)

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)
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-10-09'
modified: '2026-10-09'
tags:
- Company
- Payments
- Merchant Payments
- Refunds
- Webhook
- Fintech
tags_raw:
- Company
- Payments
- Merchant Payments
- Refunds
- Webhooks
- Fintech
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/xrpay-capability-edges.yml
  name: XRPay Business Capability Map
- 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
  tags_raw:
  - 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:
  - Webhook
  tags_raw:
  - 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

XRPay API — frequently asked questions

Does XRPay have an API?

Yes. APIs.io lists 7 APIs from XRPay, including XRPay Connected account API, XRPay Payment intents API and XRPay Payouts API, and 4 more.

Is there an OpenAPI specification for the XRPay API?

Yes. APIs.io indexes 7 OpenAPI specifications for XRPay, each linked for download from this page.

How do I authenticate with the XRPay API?

XRPay uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Xrpay Authentication.

How much does the XRPay API cost?

XRPay publishes its prices; its Starter plan is $0.00/month as of 2026-10-09. APIs.io lists 3 pricing plans for XRPay, with each plan's price, limits and inclusions under Pricing on this page.

Is the XRPay API ready for AI agents?

XRPay has a Kin Score of 46.7 out of 100 (developing) and an Agent Readiness score of 28.5 (agent-aware), scored by API Evangelist on 2026-11-06.

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