niche · 0.8

Bill Pay

Score 18.1 / 100 35 providers 16 APIs Search apis.io →
Business capabilities this tag reaches
Payments & Card Management 1
Variants seen in the corpus: Bill PayBillPaybill-pay

Providers using this tag (35)

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

Strong 2 Solid coverage with minor gaps
Float Financialspend-managementcorporate-cardsexpense-managementaccounts-payable2 APIs60.2MastercardCredit CardsDigital IdentityFinancial-ServicesFraud Detection37 APIs56.7
Developing 8 Usable, with meaningful gaps to close
RampFinanceSpend ManagementCorporate CardsExpense Management1 API53.2VoPayPaymentsCanadaEmbedded FinancePayments as a Service23 APIs49.6Upward FinancialCompanyFintechCreditCredit Building1 API47.8CodatUnified_API3 APIs46.7Jack Henry & AssociatesFinancial-ServicesBankingCore BankingDigital Banking6 APIs46.6BILLAccounts PayableAccounts ReceivableSpend ManagementExpense Management1 API42.2MelioB2B PaymentsAccounts PayableAccounts Receivable1 API41.3PinwheelEmploymentIncomePayrollDirect Deposit12 APIs40.4
Thin 6 Limited public surface area
MercoaMercoaEmbedded FinanceAccounts PayableAccounts Receivable1 API38.7Green Dot CorporationFintechBanking as a ServiceEmbedded FinancePrepaid Cards17 APIs36.8RipplingHRHCMPayrollIT1 API36.8BillGOPaymentsFinancial-ServicesBanking1 API29.4HighlineEmbedded FinancePayrollPaymentsACH1 API28.9AtomicIncomePayrollDirect DepositEmployment Verification7 APIs26.7
Emerging 16 Early or largely undocumented
ExpensifyExpense ManagementExpense ReportingReceipt ScanningCorporate Cards1 API25.9BluevineBusiness BankingSmall BusinessFintechLine of Credit25.1Coast (FKA VayU)CompanyPaymentsFleet CardsFuel Cards1 API20.6BrexCorporate CardsExpensesReimbursement3 APIs20.1PlootoPaymentsCanadaAccounts PayableAccounts Receivable19.7CoastCompanyPaymentsFintechFleet1 API18.4Papaya PayCompanyFintechPayments16.5RhoRhoBusiness BankingTreasuryCorporate Cards1 API15.7SettleCompanyFintechPaymentsAccounts Payable15.7Heartland Payment SystemsCard PresentCard Not PresentE-Commerce5 APIs14.6ApronCompanyFintechPaymentsAccounts Payable14.5RelayBusiness BankingFintechSMBCash Flow1 API14.0AirbaseSpend ManagementAccounts PayableProcurement9 APIs13.4Vectren (CenterPoint Energy)Electric UtilityEnergyNatural GasRegulated Utility3 APIs13.2TopKeyCompanyFintechExpense ManagementProperty Management12.6BillTrimCompanyBill NegotiationBill ManagementPersonal Finance11.5
Minimal 3 Almost no public developer surface
Chipper CashFintechAfricaCross Border PaymentsMoney Transfer7.3FlexCompanyFintechFinancial-ServicesPayments1.5StoriFinancial-ServicesNeobankDigital BankConsumer Finance1.5

APIs with this tag (15)

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 2 Solid coverage with minor gaps
Mastercard Bill Pay APIThe Mastercard Bill Pay Experience Design Guide was created to provide you, our customer, with our best use...56.7Mastercard Bill Payment ValidatorThis service is provided on behalf of the Mastercard Remote Payment and Presentment (RPPS) Bill Payment Pro...56.7
Developing 5 Usable, with meaningful gaps to close
Codat Bill Pay APIThe Codat Bill Pay API (Sync for Payables) enables neobanks, expense management providers, and B2B payment ...46.7Jack Henry & Associates Bill Pay APIBill-payment payees and payments.46.6Pinwheel Bill Manager APIPinwheel Bill Manager detects, organizes, and acts on a customer's recurring bills and subscriptions. It au...40.4Pinwheel Bill Switch APIThe Pinwheel Bill Switch API updates a user's stored payment method across merchant and biller accounts (st...40.4Pinwheel Switch Kit APISwitch Kit bundles Pinwheel's Deposit Switch and Bill Switch products into a single onboarding experience b...40.4
Thin 5 Limited public surface area
Green Dot BillPay APIThe BillPay API enables bill payment functionality within partner applications, allowing end users to pay b...36.8Rippling Bill Pay APIManage vendor invoices, approvals, and payments through Rippling Bill Pay for accounts-payable workflows.36.8Rippling Corporate Cards APIIssue, manage, and reconcile corporate cards, spend limits, and transactions for Rippling Spend customers.36.8BillGO Exchange GraphQL APIThe GraphQL API behind the BillGO Exchange biller portal. A live graphql-java server answers POST requests ...29.4Atomic PayLink APIPayLink lets consumers update their card-on-file across merchants and subscription services. It is also the...26.7
Emerging 3 Early or largely undocumented
Heartland Bill Pay APIThe Heartland Bill Pay API enables invoice and bill payment processing for merchants accepting recurring or...14.6Airbase Bills & AP Automation APIProgrammatically create, list, retrieve, and update bills and vendor invoices flowing through Airbase's AP ...13.4CenterPoint Energy Customer Account APICustomer self-service portal providing access to account management, bill pay, usage history, and service r...13.2

Score breakdown

Frequency
45.4
log-scaled weighted occurrences
Breadth
1.0
spread across providers
Quality lift
32.5
mean composite of providers using it
Cohesion
0.0
strength of nearest seed neighbor

Related tags

Corporate Cards 10 co-occurrences Virtual Cards 7 co-occurrences Reimbursement 6 co-occurrences Accounts Payable 10 co-occurrences Bills 6 co-occurrences Expense Management 9 co-occurrences Vendors 7 co-occurrences Expenses 5 co-occurrences

Where this tag comes from

Provider tag28
Api tag17
Openapi tag1
Openapi op tag2

Cohort brief

Auto-generated

The 35 providers in the APIs.io catalog tagged Bill Pay, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
35
all scored
Mean Kin Score
26.8
+6.1 vs catalog 20.7
Mean Agent Readiness
13.5
+3.8 vs catalog 9.7
Spread
1.5–61.8
median 23.3 · σ 15.6
How the 35 split by band
Exemplar 0Strong 1Developing 9Thin 5Emerging 17Minimal 3
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Access Clarity 33.2 22.3 +10.9 35
Contract Quality 26 17.5 +8.5 35
Developer Ergonomics 23.6 17.9 +5.7 35
Discoverability 65.2 60.4 +4.8 35
Operational Transparency 15.9 11.3 +4.6 35
Contract Governance 7.9 6.4 +1.5 35

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) 6% 16% -10
MCP server (first-party) 3% 7% -4
Agent Skills 0% 0% 0
OAuth scopes 11% 9% +2
Security 100% 88% +12
Arazzo workflows 3% 2% +1
Governance rules 20% 13% +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 Float Financial 61.8
  2. 2 Ramp 53
  3. 3 VoPay 52.7
  4. 4 Upward Financial 50.9
  5. 5 Mastercard 46.2
  6. 6 Codat 45.6
  7. 7 BILL 41.8
  8. 8 Jack Henry & Associates 40.4
  9. 9 Pinwheel 40.4
  10. 10 Melio 39.6
Top by Agent Readiness
  1. 1 Codat 39.2
  2. 2 VoPay 39
  3. 3 Upward Financial 36.8
  4. 4 Float Financial 32.6
  5. 5 Mastercard 32.4
  6. 6 Green Dot Corporation 29.3
  7. 7 Ramp 27.5
  8. 8 Jack Henry & Associates 25.9
  9. 9 Rippling 22.6
  10. 10 Highline 22.3
All 35 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 25 August 2026, across 26891 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.

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