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 5 APIs on the APIs.io network, including Payment Intent API, Refund API, Transfer API, and 2 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 33 more developer resources.

🌐 Visit website 📡 Source on GitHub
60.1/100 strong Agent 90/100 agent native Full breakdown ↓
scored 2026-07-20 · rubric v0.4
5 APIs 1 MCP Servers 0 Features
PaymentsFintechUAEMENAMoney TransferWallet

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 60.1/100 · strong
Contract Quality 10.9 / 25
Developer Ergonomics 14.8 / 20
Commercial Clarity 20.0 / 20
Operational Transparency 4.4 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 90/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 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
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

Ziina Payment Intent API

Create a payment intent (POST /payment_intent) and retrieve it (GET /payment_intent/{id}). Returns a hosted redirect_url and an embedded_url for card, Apple Pay, and Google Pay ...

Ziina Refund API

Initiate a full or partial refund against a payment intent (POST /refund) and retrieve refund status (GET /refund/{id}). Requires the write_refunds scope.

Ziina Transfer API

Move money between Ziina accounts (POST /transfer) addressed by account ids or ziinames, and retrieve a transfer (GET /transfer/{id}). Requires the write_transfers scope and an ...

Ziina Webhooks API

Register (POST /webhook) or delete (DELETE /webhook) a webhook endpoint that receives real-time payment event callbacks, optionally HMAC-signed with a shared secret. HTTP callba...

Ziina Account API

Retrieve the authenticated account (GET /account) - account_id, account_type (personal/business), status, ziiname, display_name, and profile picture. Requires the read_account s...

MCP Servers

ziina-mcp.yml

MCP SERVER

Arazzo Workflows

_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

Pricing Plans

Ziina Plans Pricing

3 plans

PLANS

Rate Limits

Ziina Rate Limits

1 limits

RATE LIMITS

FinOps

Ziina Finops

FINOPS

Event Specifications

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

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 1

SDKs, sample code, and the tooling you integrate with

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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Fintech
- UAE
- MENA
- Money Transfer
- Wallet
created: '2026-07-17'
modified: '2026-07-17'
specificationVersion: '0.19'
apis:
- aid: ziina:ziina-payment-intent-api
  name: Ziina Payment Intent API
  tags:
  - Payments
  - Checkout
  - Payment Intent
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.ziina.com/api-reference/payment-intent
  baseURL: https://api-v2.ziina.com/api
  properties:
  - url: https://docs.ziina.com/api-reference/payment-intent
    type: Documentation
  - url: https://docs.ziina.com/api-reference/payment-intent/create
    type: APIReference
  - url: openapi/ziina-openapi.yml
    type: OpenAPI
  - url: collections/ziina.postman_collection.json
    type: PostmanCollection
  description: Create a payment intent (POST /payment_intent) and retrieve it (GET /payment_intent/{id}). Returns a hosted
    redirect_url and an embedded_url for card, Apple Pay, and Google Pay checkout. Amount is in the currency minor unit (fils
    for AED, minimum 2 AED); pass test=true for sandbox payments with test cards.
- aid: ziina:ziina-refund-api
  name: Ziina Refund API
  tags:
  - Payments
  - Refunds
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.ziina.com/api-reference/refund/create
  baseURL: https://api-v2.ziina.com/api
  properties:
  - url: https://docs.ziina.com/api-reference/refund/create
    type: Documentation
  - url: https://docs.ziina.com/api-reference/refund/get
    type: APIReference
  - url: openapi/ziina-openapi.yml
    type: OpenAPI
  - url: collections/ziina.postman_collection.json
    type: PostmanCollection
  description: Initiate a full or partial refund against a payment intent (POST /refund) and retrieve refund status (GET /refund/{id}).
    Requires the write_refunds scope.
- aid: ziina:ziina-transfer-api
  name: Ziina Transfer API
  tags:
  - Payments
  - Transfers
  - Payouts
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.ziina.com/api-reference/transfer/create
  baseURL: https://api-v2.ziina.com/api
  properties:
  - url: https://docs.ziina.com/api-reference/transfer/create
    type: Documentation
  - url: https://docs.ziina.com/api-reference/transfer/get
    type: APIReference
  - url: openapi/ziina-openapi.yml
    type: OpenAPI
  - url: collections/ziina.postman_collection.json
    type: PostmanCollection
  description: Move money between Ziina accounts (POST /transfer) addressed by account ids or ziinames, and retrieve a transfer
    (GET /transfer/{id}). Requires the write_transfers scope and an idempotent operation_id.
- aid: ziina:ziina-webhooks-api
  name: Ziina Webhooks API
  tags:
  - Webhooks
  - Events
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.ziina.com/api-reference/webhook
  baseURL: https://api-v2.ziina.com/api
  properties:
  - url: https://docs.ziina.com/api-reference/webhook
    type: Documentation
  - url: https://docs.ziina.com/api-reference/webhook/create
    type: APIReference
  - url: openapi/ziina-openapi.yml
    type: OpenAPI
  - url: collections/ziina.postman_collection.json
    type: PostmanCollection
  description: Register (POST /webhook) or delete (DELETE /webhook) a webhook endpoint that receives real-time payment event
    callbacks, optionally HMAC-signed with a shared secret. HTTP callbacks over HTTPS, not a WebSocket stream.
- aid: ziina:ziina-account-api
  name: Ziina Account API
  tags:
  - Account
  - Identity
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.ziina.com/api-reference/account/get
  baseURL: https://api-v2.ziina.com/api
  properties:
  - url: https://docs.ziina.com/api-reference/account/get
    type: Documentation
  - url: openapi/ziina-openapi.yml
    type: OpenAPI
  - url: collections/ziina.postman_collection.json
    type: PostmanCollection
  description: Retrieve the authenticated account (GET /account) - account_id, account_type (personal/business), status, ziiname,
    display_name, and profile picture. Requires the read_account scope.
common:
- 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