Ziina

Ziina is a Dubai-based (UAE) fintech offering an instant money and payments platform for consumers and businesses. Its REST API lets developers create hosted and embedded payment intents, issue refunds, run peer transfers between Ziina accounts, and register webhooks. Amounts are in the currency's minor unit (fils for AED), auth is HTTP bearer (JWT) via OAuth 2.0 scopes, and settlement is in AED with multi-currency acceptance.

Ziina publishes 7 APIs on the APIs.io network, including Account API, HealthCheck API, Log API, and 4 more. Tagged areas include Payments, Fintech, UAE, MENA, and Money Transfer.

The Ziina catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Ziina’s developer surface includes authentication, documentation, engineering blog, sandbox, getting-started guide, API reference, support, and 34 more developer resources.

🌐 Visit website 📡 Source on GitHub
66.5/100 exemplar ▬ flat Agent 54/100 agent native Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1
AccessPaidSelf serve
7 APIs 1 MCP Servers
PaymentsFintechUAEMENAMoney TransferWallet

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1
Composite quality — 66.5/100 · exemplar
Contract Quality 14.9 / 25
Developer Ergonomics 13.4 / 20
Commercial Clarity 20.0 / 20
Operational Transparency 4.4 / 13
Governance 1.4 / 12
Discoverability 9.3 / 10
Agent readiness — 54/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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/ziina: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 7

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

Ziina Account API

Retrieve the authenticated account profile.

Ziina HealthCheck API

Service status.

Ziina Log API

The Log API from Ziina — 1 operation(s) for log.

Ziina PaymentIntent API

Create and retrieve payment intents (hosted/embedded checkout).

Ziina Refund API

Issue and retrieve refunds against a payment intent.

Ziina Transfer API

Initiate and retrieve peer transfers between Ziina accounts.

Ziina Webhook API

Register or delete a webhook endpoint for payment events.

Scroll for all 7

Postman Collections 7

Ready-to-run Postman collections for exercising this provider's APIs.

Ziina Account API

POSTMAN

Ziina Account HealthCheck API

POSTMAN

Ziina Account Log API

POSTMAN

Ziina Account PaymentIntent API

POSTMAN

Ziina Account Refund API

POSTMAN

Ziina Account Transfer API

POSTMAN

Ziina Account Webhook API

POSTMAN

Scroll for all 7

Arazzo Workflows 3

Multi-step API workflows described with the Arazzo specification.

_Index

ARAZZO

Ziina - accept a payment and confirm

Create a payment intent, then poll it until the payment reaches a terminal status. Seed inputs with test=true to run in Ziina test mode.

ARAZZO

Ziina - refund a payment and confirm

Issue a refund against an existing payment intent, then poll the refund until it reaches a terminal status.

ARAZZO

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

ziina-mcp.yml

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Ziina Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Ziina Rate Limits

1 limits

RATE LIMITS

FinOps 1

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

Ziina Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Ziina Webhooks

Event surface for Ziina payment webhooks. When a webhook URL is registered (POST /webhook), Ziina delivers events as HTTP POST callbacks over HTTPS to that URL. Non-2xx response...

ASYNCAPI

Security Posture 4

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

Ziina Authentication

http/oauth2 · 2 schemes

SECURITY

Ziina Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Ziina Vulnerability Disclosure

security.txt · contact published

SECURITY

Ziina Trust Center

PCI DSS

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Ziina Scopes

7 scopes

7 scopes

SCOPES

Agentic Access 1

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

Ziina Agentic Access

8 operations · 5 acting · 1 human-in-the-loop

8 operations · 5 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 AsyncAPI
AsyncAPI
 APIReference
APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgentSkill
AgentSkill

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Conformance
Conformance
 Lifecycle
Lifecycle
 DataModel
DataModel
 Components
Components
 Webhooks
Webhooks
 Arazzo
Arazzo
 Arazzo
Arazzo

Scroll for all 10

Build 2

SDKs, sample code, and the tooling you integrate with

PostmanWorkspace
PostmanWorkspace
 GitHubOrganization
GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 Compliance
Compliance

Operate 2

Status, limits, changes, and where to get help

RateLimits
RateLimits
 Support
Support

Commercial 5

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps
 Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: ziina
url: https://raw.githubusercontent.com/api-evangelist/ziina/refs/heads/main/apis.yml
name: Ziina
kind: company
description: Ziina is a Dubai-based (UAE) fintech offering an instant money and payments platform for consumers and businesses.
  Its REST API lets developers create hosted and embedded payment intents, issue refunds, run peer transfers between Ziina
  accounts, and register webhooks. Amounts are in the currency's minor unit (fils for AED), auth is HTTP bearer (JWT) via
  OAuth 2.0 scopes, and settlement is in AED with multi-currency acceptance.
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/ziina.png
tags:
- Payments
- Fintech
- UAE
- MENA
- Money Transfer
- Wallet
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.19'
apis:
- aid: ziina:ziina-account-api
  name: Ziina Account API
  description: Retrieve the authenticated account profile.
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  tags:
  - Account
  properties:
  - type: OpenAPI
    url: openapi/ziina-account-api-openapi.yml
  - type: Documentation
    url: https://docs.ziina.com/api-reference/payment-intent
  - type: APIReference
    url: https://docs.ziina.com/api-reference/payment-intent/create
  - type: PostmanCollection
    url: collections/ziina.postman_collection.json
  - type: Documentation
    url: https://docs.ziina.com/api-reference/refund/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/refund/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/transfer/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/transfer/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/webhook
  - type: APIReference
    url: https://docs.ziina.com/api-reference/webhook/create
  - type: Documentation
    url: https://docs.ziina.com/api-reference/account/get
- aid: ziina:ziina-healthcheck-api
  name: Ziina HealthCheck API
  description: Service status.
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  tags:
  - HealthCheck
  properties:
  - type: OpenAPI
    url: openapi/ziina-healthcheck-api-openapi.yml
  - type: Documentation
    url: https://docs.ziina.com/api-reference/payment-intent
  - type: APIReference
    url: https://docs.ziina.com/api-reference/payment-intent/create
  - type: PostmanCollection
    url: collections/ziina.postman_collection.json
  - type: Documentation
    url: https://docs.ziina.com/api-reference/refund/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/refund/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/transfer/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/transfer/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/webhook
  - type: APIReference
    url: https://docs.ziina.com/api-reference/webhook/create
  - type: Documentation
    url: https://docs.ziina.com/api-reference/account/get
- aid: ziina:ziina-log-api
  name: Ziina Log API
  description: The Log API from Ziina — 1 operation(s) for log.
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  tags:
  - Log
  properties:
  - type: OpenAPI
    url: openapi/ziina-log-api-openapi.yml
  - type: Documentation
    url: https://docs.ziina.com/api-reference/payment-intent
  - type: APIReference
    url: https://docs.ziina.com/api-reference/payment-intent/create
  - type: PostmanCollection
    url: collections/ziina.postman_collection.json
  - type: Documentation
    url: https://docs.ziina.com/api-reference/refund/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/refund/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/transfer/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/transfer/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/webhook
  - type: APIReference
    url: https://docs.ziina.com/api-reference/webhook/create
  - type: Documentation
    url: https://docs.ziina.com/api-reference/account/get
- aid: ziina:ziina-paymentintent-api
  name: Ziina PaymentIntent API
  description: Create and retrieve payment intents (hosted/embedded checkout).
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  tags:
  - PaymentIntent
  properties:
  - type: OpenAPI
    url: openapi/ziina-paymentintent-api-openapi.yml
  - type: Documentation
    url: https://docs.ziina.com/api-reference/payment-intent
  - type: APIReference
    url: https://docs.ziina.com/api-reference/payment-intent/create
  - type: PostmanCollection
    url: collections/ziina.postman_collection.json
  - type: Documentation
    url: https://docs.ziina.com/api-reference/refund/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/refund/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/transfer/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/transfer/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/webhook
  - type: APIReference
    url: https://docs.ziina.com/api-reference/webhook/create
  - type: Documentation
    url: https://docs.ziina.com/api-reference/account/get
- aid: ziina:ziina-refund-api
  name: Ziina Refund API
  description: Issue and retrieve refunds against a payment intent.
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  tags:
  - Refund
  properties:
  - type: OpenAPI
    url: openapi/ziina-refund-api-openapi.yml
  - type: Documentation
    url: https://docs.ziina.com/api-reference/payment-intent
  - type: APIReference
    url: https://docs.ziina.com/api-reference/payment-intent/create
  - type: PostmanCollection
    url: collections/ziina.postman_collection.json
  - type: Documentation
    url: https://docs.ziina.com/api-reference/refund/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/refund/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/transfer/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/transfer/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/webhook
  - type: APIReference
    url: https://docs.ziina.com/api-reference/webhook/create
  - type: Documentation
    url: https://docs.ziina.com/api-reference/account/get
- aid: ziina:ziina-transfer-api
  name: Ziina Transfer API
  description: Initiate and retrieve peer transfers between Ziina accounts.
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  tags:
  - Transfer
  properties:
  - type: OpenAPI
    url: openapi/ziina-transfer-api-openapi.yml
  - type: Documentation
    url: https://docs.ziina.com/api-reference/payment-intent
  - type: APIReference
    url: https://docs.ziina.com/api-reference/payment-intent/create
  - type: PostmanCollection
    url: collections/ziina.postman_collection.json
  - type: Documentation
    url: https://docs.ziina.com/api-reference/refund/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/refund/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/transfer/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/transfer/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/webhook
  - type: APIReference
    url: https://docs.ziina.com/api-reference/webhook/create
  - type: Documentation
    url: https://docs.ziina.com/api-reference/account/get
- aid: ziina:ziina-webhook-api
  name: Ziina Webhook API
  description: Register or delete a webhook endpoint for payment events.
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  tags:
  - Webhook
  properties:
  - type: OpenAPI
    url: openapi/ziina-webhook-api-openapi.yml
  - type: Documentation
    url: https://docs.ziina.com/api-reference/payment-intent
  - type: APIReference
    url: https://docs.ziina.com/api-reference/payment-intent/create
  - type: PostmanCollection
    url: collections/ziina.postman_collection.json
  - type: Documentation
    url: https://docs.ziina.com/api-reference/refund/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/refund/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/transfer/create
  - type: APIReference
    url: https://docs.ziina.com/api-reference/transfer/get
  - type: Documentation
    url: https://docs.ziina.com/api-reference/webhook
  - type: APIReference
    url: https://docs.ziina.com/api-reference/webhook/create
  - type: Documentation
    url: https://docs.ziina.com/api-reference/account/get
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/ziina/overview
- type: AgenticAccess
  url: agentic-access/ziina-agentic-access.yml
- type: TrustCenter
  url: security/ziina-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/ziina-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/ziina-domain-security.yml
- type: Authentication
  url: authentication/ziina-authentication.yml
- type: GitHubOrganization
  url: https://github.com/ziina-co
- type: LinkedIn
  url: https://www.linkedin.com/company/ziina
- type: Website
  url: https://ziina.com/
- type: Documentation
  url: https://docs.ziina.com
- type: Plans
  url: plans/ziina-plans-pricing.yml
- type: RateLimits
  url: rate-limits/ziina-rate-limits.yml
- type: FinOps
  url: finops/ziina-finops.yml
- url: https://ziina.com/blog
  type: Blog
- type: OAuthScopes
  url: scopes/ziina-scopes.yml
- type: Conventions
  url: conventions/ziina-conventions.yml
- type: Idempotency
  url: conventions/ziina-conventions.yml
- type: ErrorCatalog
  url: errors/ziina-problem-types.yml
- type: Conformance
  url: conformance/ziina-conformance.yml
- type: Compliance
  url: security/ziina-trust-center.yml
- type: Lifecycle
  url: lifecycle/ziina-lifecycle.yml
- type: Sandbox
  url: sandbox/ziina-sandbox.yml
- type: DataModel
  url: data-model/ziina-data-model.yml
- type: Components
  url: components/ziina-components.yml
- type: WellKnown
  url: well-known/ziina-well-known.yml
- type: LLMsTxt
  url: llms/ziina-llms.txt
- type: MCPServer
  url: mcp/ziina-mcp.yml
- type: Overlay
  url: overlays/ziina-openapi-overlay.yaml
- type: AsyncAPI
  url: asyncapi/ziina-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/ziina-webhooks-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Accept a payment and confirm
  url: arazzo/ziina-accept-payment.arazzo.yml
- type: Arazzo
  name: Refund a payment and confirm
  url: arazzo/ziina-refund-payment.arazzo.yml
- type: DeveloperPortal
  url: https://docs.ziina.com
- type: GettingStarted
  url: https://docs.ziina.com/getting-started
- type: APIReference
  url: https://docs.ziina.com/api-reference/introduction
- type: Support
  url: https://ziina.com/help-center
- type: Pricing
  url: https://ziina.com/fees
- type: SignUp
  url: https://ziina.com/business/connect
- type: TermsOfService
  url: https://ziina.com/terms
- type: PrivacyPolicy
  url: https://ziina.com/privacy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com