Zeta

Zeta is a next-generation banking and payment card processing platform for banks and financial institutions, offering a cloud-native omnistack to launch and manage credit, debit, prepaid, BNPL, and fleet card programs alongside loans and deposits. Its product suite spans Tachyon (core processing and real-time APIs and events), Neutrino (digital app experiences), Elena (conversational AI), Saturn (servicing and back-office operations), Luminos (engagement and rewards), and Zeus (data and analytics). Founded by Bhavin Turakhia and Ramki Gaddipati and backed by SoftBank Vision Fund, Zeta processes 25+ million cards across seven countries for institutions including HDFC Bank, Pluxee, and Sparrow. Zeta's platform is delivered to enterprise banking partners; its APIs are partner-gated rather than published on a public developer portal.

Zeta is profiled on the APIs.io network. Tagged areas include Company, Fintech, Payments, Card Processing, and Banking.

Zeta’s developer surface includes engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub
10.3/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
0 APIs
CompanyFintechPaymentsCard ProcessingBankingCardsCard IssuingFinancial-Services

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 10.3/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 1.2 / 17
Access Clarity 4.5 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 4.3 / 9
Regulatory Posture 3.5 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 0 / 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
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.
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/. This rating is computed from github.com/api-evangelist/zeta: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 2

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

Zeta Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Zeta Trust Center

SOC 1 Type 2, SOC 2 Type 2, SOC 3, ISO/IEC 27001:2022, ISO/IEC 27701:2019, ISO 22301:2019, PCI DSS 4.0.1, PCI 3DS 1.0

SECURITY

Resources

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 TrustCenter
TrustCenter
 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)

apis.yml Raw ↑ 
aid: zeta
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/zeta.png
name: Zeta
description: Zeta is a next-generation banking and payment card processing platform for banks and financial institutions,
  offering a cloud-native omnistack to launch and manage credit, debit, prepaid, BNPL, and fleet card programs alongside loans
  and deposits. Its product suite spans Tachyon (core processing and real-time APIs and events), Neutrino (digital app experiences),
  Elena (conversational AI), Saturn (servicing and back-office operations), Luminos (engagement and rewards), and Zeus (data
  and analytics). Founded by Bhavin Turakhia and Ramki Gaddipati and backed by SoftBank Vision Fund, Zeta processes 25+ million
  cards across seven countries for institutions including HDFC Bank, Pluxee, and Sparrow. Zeta's platform is delivered to
  enterprise banking partners; its APIs are partner-gated rather than published on a public developer portal.
url: https://raw.githubusercontent.com/api-evangelist/zeta/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- softbank-vision-fund
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Payments
- Card Processing
- Banking
- Cards
- Card Issuing
- Financial-Services
tags_raw:
- Company
- Fintech
- Payments
- Card Processing
- Banking
- Cards
- Card Issuing
- Financial Services
apis: []
common:
- type: DomainSecurity
  url: security/zeta-domain-security.yml
- type: Website
  url: https://www.zeta.tech/us/
- type: Blog
  url: https://www.zeta.tech/us/resources/blog/
- type: Support
  url: https://www.zeta.tech/us/company/contact-us/
- type: PrivacyPolicy
  url: https://www.zeta.tech/us/privacy-policy/
- type: TrustCenter
  url: https://www.zeta.tech/us/resources/trust-center/
- type: Compliance
  url: https://www.zeta.tech/us/resources/trust-center/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 2
  pass: local-v1