# XRPay

**Canonical:** https://apis.io/providers/xrpay/  
**Website:** https://www.xrpay.it/  
**APIs profiled:** 2

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.

## Kin Score — 57.0 / 100 (strong)

Scored 2026-10-09 under rubric 0.23.0.

| Facet | Score |
|---|---|
| Discoverability | 62.5 |
| Contract Quality | 59.9 |
| Contract Governance | 19.7 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 57.1 |
| Access Clarity | 84.2 |

Regulatory layer — **Payments**: 26.8 (matched via tags).

## Agent readiness — 24.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | verified |
| Error Semantics | derived |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (7)

- **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.

## Agentic access (1)

- **Xrpay Agentic Access** — 45 operations · 24 acting · 1 human-in-the-loop

## Security (2)

- **Xrpay Authentication** — http · 1 scheme
- **Xrpay Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Xrpay Plans Pricing**

## Tags

Company, Payments, Merchant Payments, Refunds, Webhooks, Fintech

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