emerging · -0.6 market domain

Account-to-Account

Score 23.5 / 100 27 providers +2 via APIs 6 APIs Search apis.io →

Providers using this tag (27)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 1 Complete, well-documented, and agent-ready
Token.ioPaymentsOpen BankingBankingFinancial Services4 APIs70.0
Strong 6 Solid coverage with minor gaps
Trustly GroupCompanyPaymentsPay by BankOpen Banking2 APIs65.4MoneyhubPaymentsUnited KingdomOpen BankingOpen Finance1 API57.1VoPayPaymentsCanadaEmbedded FinancePayments-as-a-Service23 APIs57.0AzupayPaymentsAustraliaReal-Time Payments6 APIs56.2ZaiPaymentsAustraliaPayment GatewayPayment Processing4 APIs55.8FintectureOpen BankingPaymentsPSD2France5 APIs54.5
Developing 8 Usable, with meaningful gaps to close
ModulrPaymentsUnited KingdomBanking as a ServiceEmbedded Finance1 API53.9ZeptoPaymentsAustraliaReal-Time Payments7 APIs52.9Pinch PaymentsPaymentsAustraliaPayment GatewayPayment Processing10 APIs51.7MonoovaPaymentsAustraliaReal-Time PaymentsNPP3 APIs50.6NopanPaymentsPayment Service ProviderWallet Payments1 API44.8Tribe PaymentsPaymentsUnited KingdomIssuer ProcessorCard Issuing15 APIs40.8Form3PaymentsUnited KingdomPayment Processing1 API40.3VoltPaymentsUnited KingdomOpen Banking1 API40.2
Thin 6 Limited public surface area
BankedCompanyPaymentsOpen Banking1 API37.8FedNow ServicePaymentsUnited StatesReal-Time PaymentsInstant Payments5 APIs36.5NachaPaymentsUnited StatesACH24 APIs35.6RotessaPaymentsCanadaPre-Authorized DebitACH1 API34.8NPP Australia (AP+)PaymentsAustraliaReal-Time Payments3 APIs29.7CuscalPaymentsAustraliaCard IssuingIssuer Processor3 APIs29.1
Emerging 3 Early or largely undocumented
PayToPaymentsAustraliaReal-Time Payments1 API18.5Pay.UKPaymentsUnited KingdomReal-Time PaymentsISO 2002218.3The Clearing House (RTP)PaymentsUnited StatesReal-Time PaymentsInstant Payments1 API13.1
Minimal 3 Almost no public developer surface
Kevin.CompanyPaymentsOpen Banking1 API0.0OrdoPaymentsUnited KingdomOpen Banking6 APIs0.0VyneCompanyFinancial ServicesPaymentsOpen Banking0.0

APIs with this tag (6)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Strong 3 Solid coverage with minor gaps
Moneyhub Open Banking Payments APIMoneyhub's Open Banking Payments API initiates account-to-account payments (Payment Initiation Service) ove...57.1Mastercard Account to Account Commerce for Creditor Service ProvidersOnline checkouts can be frustrating and tedious. As shopping habits shift to digital, consumers and merchan...55.7Mastercard Debtor Service Provider Resources APIOnline checkouts can be frustrating and tedious. As shopping habits shift to digital, consumers and merchan...55.7
Developing 1 Usable, with meaningful gaps to close
Volt Payments APIVolt's Global Payments API initiates account-to-account (pay by bank) payments across open-banking and real...40.2
Emerging 1 Early or largely undocumented
Klarna Kosma Payments APIKosma Payments is the white-labeled PSD2 Payment Initiation Service (PIS) product. It lets merchants and pl...24.6
Minimal 1 Almost no public developer surface
kevin. platform APIPSD2 open-banking platform API: Authentication, General, Payment Initiation (PIS) and Account Information (...0.0

Companies reaching this through an API (2)

These companies publish an API, specification or operation carrying “Account-to-Account” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

Klarna Kosma Mastercard

Score breakdown

Frequency
41.6
log-scaled weighted occurrences
Breadth
0.7
spread across providers
Quality lift
47.6
mean composite of providers using it
Cohesion
22.9
strength of nearest seed neighbor

Where this tag sits

Payments broader

Related tags

Real-Time Payments 16 co-occurrences PayTo 6 co-occurrences Direct Debit 8 co-occurrences PayID 5 co-occurrences Confirmation of Payee 5 co-occurrences Faster Payments 5 co-occurrences Pay by Bank 5 co-occurrences ISO 20022 6 co-occurrences

Where this tag comes from

Provider tag27
Api tag6

Cohort brief

Auto-generated

The 27 providers in the APIs.io catalog tagged Account-to-Account, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
27
all scored
Mean Kin Score
38.7
+15.8 vs catalog 22.9
Mean Agent Readiness
25.9
+14.0 vs catalog 11.9
Spread
0–70
median 40.3 · σ 19.4
How the 27 split by band
Exemplar 1Strong 6Developing 8Thin 6Emerging 3Minimal 3
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 45.7 23.2 +22.5 27
Contract Quality 38 17.6 +20.4 27
Operational Transparency 26.4 13.7 +12.7 27
Access Clarity 37.3 26.5 +10.8 27
Discoverability 62.7 58.1 +4.6 27
Contract Governance 10.8 6.3 +4.5 27

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 19% 14% +5
MCP server (first-party) 19% 12% +7
Agent Skills 0% 0% 0
OAuth scopes 30% 11% +19
Security 100% 98% +2
Arazzo workflows 7% 2% +5
Governance rules 7% 14% -7

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Token.io 70
  2. 2 Trustly Group 65.4
  3. 3 Moneyhub 57.1
  4. 4 VoPay 57
  5. 5 Azupay 56.2
  6. 6 Zai 55.8
  7. 7 Fintecture 54.5
  8. 8 Modulr 53.9
  9. 9 Zepto 52.9
  10. 10 Pinch Payments 51.7
Top by Agent Readiness
  1. 1 Token.io 53.6
  2. 2 Modulr 49.7
  3. 3 Trustly Group 46
  4. 4 Zai 44.1
  5. 5 Zepto 43.6
  6. 6 Moneyhub 42.4
  7. 7 Azupay 40.8
  8. 8 Pinch Payments 38.8
  9. 9 VoPay 38.6
  10. 10 Tribe Payments 35.7
All 27 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 5 October 2026, across 29093 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

Work with this as data

Every tag here is available over the APIs.io API and to AI agents over MCP.

MCP server

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https://apis.io/mcp

Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

Call it yourself

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As a scored cohort 
curl "https://apis.io/api/v1/cohorts/tag/account-to-account"
The distribution (Pro) 
curl "https://apis.io/api/v1/cohorts/tag/account-to-account/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

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