emerging · 1.6

Payment Initiation

Score 23.5 / 100 70 providers 73 APIs Search apis.io →
Variants seen in the corpus: Payment Initiationpayment-initiation

Providers using this tag (70)

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

Exemplar 1 Complete, well-documented, and agent-ready
PlaidFinancialFintechOpen BankingBank Accounts31 APIs68.2
Strong 4 Solid coverage with minor gaps
TinkOpen BankingPSD2Account Aggregation25 APIs65.9iBanFirstCompanyFintech InsurtechCross-Border PaymentsForeign Exchange3 APIs62.6MoneyhubPaymentsUnited KingdomOpen BankingOpen Finance2 APIs61.2first directFinancial-ServicesBankingOpen BankingPSD24 APIs56.2
Developing 38 Usable, with meaningful gaps to close
FintectureOpen BankingPaymentsPSD2France22 APIs54.2YapilyOpen BankingAISPPISPPayments16 APIs54.2SpareOpen BankingOpen FinanceAccount Information17 APIs53.5Starling BankFinancial-ServicesBankingOpen BankingPSD213 APIs53.3AzupayPaymentsAustraliaReal-Time PaymentsAccount-to-Account6 APIs53.0Lean TechnologiesOpen BankingOpen FinanceMENAUAE19 APIs52.9Virgin Money UKFinancial-ServicesBankingOpen BankingPSD212 APIs51.9Weatherbys BankFinancial-ServicesBankingOpen BankingPSD27 APIs51.5JPMorgan ChaseBankingFinancial-ServicesPaymentsTreasury26 APIs49.2Allica BankFinancial-ServicesBankingOpen BankingPSD24 APIs48.6Yorkshire Building SocietyFinancial-ServicesBankingBuilding SocietyOpen Banking6 APIs48.0The Co-operative BankFinancial-ServicesBankingOpen BankingPSD24 APIs47.8Danske Bank (UK)Financial-ServicesBankingOpen BankingPSD211 APIs47.4HolviCompanyBankingFintechPayments4 APIs47.1Enable BankingOpen BankingPSD2AISPPISP4 APIs47.0Tribe PaymentsPaymentsUnited KingdomIssuer ProcessorCard Issuing15 APIs45.8Bank of Ireland (UK)Financial-ServicesBankingOpen BankingPSD25 APIs45.4Nationwide Building SocietyFinancial-ServicesBankingBuilding SocietyOpen Banking7 APIs45.4MettleFinancial-ServicesBankingBusiness BankingOpen Banking4 APIs45.0Hampden & CoFinancial-ServicesBankingPrivate BankingOpen Banking4 APIs44.7AIB Group (UK)Financial-ServicesBankingOpen BankingPSD210 APIs44.6TSB BankFinancial-ServicesBankingOpen BankingPSD25 APIs44.4Coventry Building SocietyFinancial-ServicesBankingBuilding SocietyOpen Banking4 APIs44.3KrooFinancial-ServicesBankingOpen BankingPSD23 APIs44.2MontranBankingCentral BankingFinancial-ServicesISO 2002243 APIs44.2Vanquis Banking GroupFinancial-ServicesBankingOpen BankingPSD24 APIs43.8Chase UKFinancial-ServicesBankingOpen BankingPSD23 APIs43.4zopaCompanyBankingFintechOpen Banking12 APIs43.3Cashplus BankFinancial-ServicesBankingOpen BankingPSD210 APIs42.7C. Hoare & Co.Financial-ServicesBankingPrivate BankOpen Banking3 APIs42.6Aldermore BankFinancial-ServicesBankingSavingsSpecialist Lending4 APIs42.0Lloyds Banking GroupFinancial-ServicesBankingOpen BankingPSD26 APIs41.9VoltPaymentsUnited KingdomOpen BankingAccount-to-Account7 APIs41.8HalifaxFinancial-ServicesBankingOpen BankingPSD29 APIs41.7CouttsFinancial-ServicesBankingPrivate BankWealth Management4 APIs40.9Santander UKFinancial-ServicesBankingOpen BankingPSD24 APIs40.7Metro BankFinancial-ServicesBankingOpen BankingPSD25 APIs40.3Secure Trust BankFinancial-ServicesBankingOpen BankingPSD24 APIs39.9
Thin 22 Limited public surface area
Monument BankFinancial-ServicesBankingOpen BankingPSD24 APIs39.2Tandem BankFinancial-ServicesBankingOpen BankingPSD23 APIs38.6Cynergy BankFinancial-ServicesBankingOpen BankingPSD23 APIs38.5NachaPaymentsUnited StatesACHAccount-to-Account24 APIs38.4Recognise BankFinancial-ServicesBankingOpen BankingPSD24 APIs38.2CelcoinBanking as a ServiceBackend-as-a-ServicePixBoleto15 APIs37.7western-unionFortune 5008 APIs36.7Skipton Building SocietyFinancial-ServicesBankingBuilding SocietyOpen Banking4 APIs36.4Shawbrook BankFinancial-ServicesBankingSavingsSpecialist Lending4 APIs35.8GB BankFinancial-ServicesBankingOpen BankingPSD24 APIs35.7Handelsbanken UKBankingOpen BankingFinancial-ServicesPSD27 APIs35.7OrdoPaymentsUnited KingdomOpen BankingAccount-to-Account6 APIs35.7Paragon BankFinancial-ServicesBankingSavingsMortgages4 APIs34.8Bank of ScotlandFinancial-ServicesBankingOpen BankingPSD24 APIs34.1WorldlinePaymentsPayment ProcessingAcquiringIssuing79 APIs33.6Principality Building SocietyFinancial-ServicesBankingBuilding SocietySavings4 APIs33.2CitigroupBankingFinancial-ServicesUnited StatesMoney Center Bank11 APIs30.0Salt EdgeFintechOpen BankingPSD2Aggregator13 APIs28.9BarclaysBankingCredit CardsFinanceOpen Banking23 APIs28.8Leeds Building SocietyFinancial-ServicesBankingBuilding SocietyMutual4 APIs28.4Kevin.CompanyPaymentsOpen BankingAccount-to-Account1 API28.1ABN AMROFinancialBanksEuropean BankingOpen Banking3 APIs27.3
Emerging 4 Early or largely undocumented
Klarna KosmaOpen BankingPSD2AISPIS6 APIs25.2American ExpressCredit CardsFinancial-ServicesPaymentsCard Network12 APIs19.7TinkFintechOpen BankingPSD2Europe5 APIs14.3FeezBackCompanyFintechOpen BankingPayments12.9
Minimal 1 Almost no public developer surface
RabobankFinancialBanksBankingOpen Banking5 APIs6.1

APIs with this tag (73)

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 →

Exemplar 2 Complete, well-documented, and agent-ready
Plaid Payment Initiation APIPlaid's Payment Initiation is part of the Plaid open-finance platform, exposing 12 documented endpoint(s) u...68.2Plaid Payment Profile APIPlaid's Payment Profile is part of the Plaid open-finance platform, exposing 4 documented endpoint(s) under...68.2
Strong 3 Solid coverage with minor gaps
iBanFirst PSD2 XS2A APIPSD2 access-to-account API for registered third-party providers, covering account information services (AIS...62.6Moneyhub Open Banking Payments APIMoneyhub's Open Banking Payments API initiates account-to-account payments (Payment Initiation Service) ove...61.2first direct Payment Initiation API (PIS)OBIE Read/Write Payment Initiation (PIS) API for first direct accounts, exposed through HSBC's developer pl...56.2
Developing 38 Usable, with meaningful gaps to close
Yapily Payments API (PIS)Payment Initiation Service Provider (PISP) endpoints for initiating single, scheduled, periodic, bulk, and ...54.2Starling Payment Initiation API (PIS, OBIE Read/Write)UK Open Banking Read/Write Payment Initiation (PIS) API for initiating domestic and other payments as an FC...53.3Azupay PaymentAgreement & Initiation API (AzupayTo / PayTo)Establish and manage PayTo payment agreements and initiate eligible debits against them. Create, amend, cha...53.0Virgin Money UK Domestic Immediate Payment API (PIS)OBIE Read/Write Payment Initiation (PIS) API for domestic immediate payments. Merged brand family, OBIE v3....51.9Virgin Money UK Domestic Scheduled Payment API (PIS)OBIE Read/Write Payment Initiation (PIS) API for domestic scheduled payments. Merged brand family, OBIE v3....51.9Virgin Money UK File Payments API (PIS)OBIE Read/Write Payment Initiation (PIS) API for batch/file payments. Merged brand family, OBIE v3.1.2. FAP...51.9Virgin Money UK International Payments API (PIS)OBIE Read/Write Payment Initiation (PIS) API for international payments. Merged brand family, OBIE v3.1.2. ...51.9Virgin Money UK International Scheduled Payments API (PIS)OBIE Read/Write Payment Initiation (PIS) API for international scheduled payments. Merged brand family, OBI...51.9Weatherbys Bank Payment Initiation API (PIS)OBIE Read/Write Payment Initiation API (PISP). FAPI-secured (OAuth2/OIDC, mutual-TLS, PSD2 SCA) — requires ...51.5Global Payments APIStreamline your global payment operations by initiating, tracking, and managing multiple payment types acro...49.2Allica Bank Payment Initiation APIAllica Bank's UK Open Banking Payment Initiation Service (PIS) API, conformant to the OBIE Read/Write Stand...48.6Yorkshire Building Society Payment Initiation APIOBIE Read/Write Payment Initiation (PISP) API v3.1.2 - lets FCA-authorised payment initiation service provi...48.0The Co-operative Bank Payment Initiation API (PIS)OBIE Read/Write Payment Initiation (PISP) API for The Co-operative Bank and smile brands — domestic payment...47.8Danske Bank (UK) Payment Initiation APIOBIE Read/Write Payment Initiation API (PIS, v4.0) for initiating domestic, scheduled, standing-order, file...47.4Danske Bank (UK) Premium Payment Initiation APIPremium first-party corporate payment initiation API for submitting and managing corporate payment orders, ...47.4Holvi Payment Initiation APIPISP endpoints - initiate and confirm SEPA / SEPA Instant / SWIFT payments.47.1Open Banking - Third-Party Providers API (TPP)Tribe Payments Open Banking Third-Party Providers (TPP) API (v2) - the TPP-facing side of Tribe's Open Bank...45.8Bank of Ireland (UK) Payment Initiation APIOBIE Read/Write Payment Initiation (PIS) API for Bank of Ireland (UK) plc, enabling authorised PISPs to ini...45.4Nationwide Payment Initiation API (PIS)OBIE Read/Write Payment Initiation (PIS) API allowing authorised third-party providers to initiate domestic...45.4Mettle Payment Initiation APIOBIE Read/Write Payment Initiation Services (PIS) API for Mettle, allowing FCA-authorised third parties to ...45.0Hampden & Co Payment Initiation APIOBIE Read/Write Payment Initiation Service (PIS) - domestic, scheduled, standing-order, international, and ...44.7AIB Group (UK) Payments Initiation APIOBIE Read/Write Payment Initiation API (PIS) v4.0 - domestic and scheduled payment initiation through a set...44.6TSB Payment Initiation API (PIS)TSB's OBIE Read/Write Payment Initiation (PIS) API, enabling authorised third-party providers to initiate d...44.4Coventry Building Society Payment Initiation API (PIS)OBIE Read/Write Payment Initiation Services (PIS) API, CBS v2.0, enabling consented third-party initiation ...44.3Kroo Payment Initiation APIKroo's PSD2 Payment Initiation Service (PIS) dedicated interface, conformant to the OBIE Read/Write Payment...44.2Montran Payment Initiation APIPSD2-compliant payment initiation operations for PISP integration. Supports instant credit transfers and re...44.2Vanquis Bank Payment Initiation API (PIS)Vanquis Bank's OBIE Read/Write Payment Initiation API (PISP), conformant to the Open Banking Implementation...43.8Chase UK Payment Initiation API (PIS)Chase UK's Payment Initiation Service (PIS) dedicated interface, conformant to the OBIE Read/Write API Stan...43.4Cashplus Payment Initiation APIOpen Banking Payment Initiation Service Provider (PISP) API conformant to the OBIE Read/Write API Standard,...42.7C. Hoare & Co. Payment Initiation APIOBIE Read/Write Payment Initiation (PIS) API — lets onboarded, consented PISP third-party providers initiat...42.6Aldermore Payment Initiation API (OBIE Read/Write Standard)The UK Open Banking Read/Write Payment Initiation (PIS) API standard, FAPI-secured with OAuth2/OIDC, mutual...42.0Lloyds Banking Group Payment Initiation APIOBIE Read/Write Payment Initiation (PIS) API for initiating domestic, scheduled, standing-order, internatio...41.9Volt Payments APIVolt's Global Payments API initiates account-to-account (pay by bank) payments across open-banking and real...41.8Halifax Payment Initiation API (PIS)OBIE Read/Write Payment Initiation (PIS) API for authorised PISPs. FAPI-secured (OAuth2/OIDC, PSD2 SCA, mTL...41.7Coutts Payment Initiation APIOBIE Read/Write Payment Initiation (PIS) API for Coutts, letting FCA-authorised PISPs initiate domestic, sc...40.9Santander UK Payment Initiation APIOBIE Read/Write Payment Initiation (PIS) API for initiating domestic, scheduled, standing-order, internatio...40.7Metro Bank Payment Initiation APIOBIE Read/Write Payment Initiation Service (PIS) API for initiating domestic and scheduled payments, standi...40.3Secure Trust Bank Payment Initiation API (OBIE Read/Write, PIS)The OBIE Read/Write Payment Initiation (PIS) API - FAPI-secured initiation of domestic, scheduled, standing...39.9
Thin 26 Limited public surface area
Monument Bank Payment Initiation APIUK Open Banking Read/Write Payment Initiation (PIS) API per the OBIE Read/Write API Standard - domestic, sc...39.2Tandem Bank Payment Initiation API (PIS)Tandem Bank's Open Banking Payment Initiation Service (PIS) for initiating domestic and other payments agai...38.6Cynergy Bank Payment Initiation API (PIS)Cynergy Bank's implementation of the OBIE Read/Write Payment Initiation (PISP) API, allowing FCA/EEA-regula...38.5Afinis Initiate ACH Payment APIAfinis Interoperability Standards API for initiating an ACH credit or debit payment instruction from an ori...38.4Afinis Initiate Instant Payment API (IIP)Afinis Initiate Instant Payment (IIP) API enabling a business to make an instant payment through its financ...38.4Afinis Initiate Payment APIAfinis Initiate Payment API used to request movement of funds from a debtor account to a creditor account a...38.4Afinis Initiate Wire Payment APIAfinis Initiate Wire Payment API enabling a business to originate a wire transfer through its financial ins...38.4Afinis Pay Me APIAfinis Pay Me API for requesting a payment (request-for-payment) from a payer through standardized messaging.38.4UK Open Banking Payment Initiation API (OBIE Standard)Shared OBIE Read/Write Payment Initiation (PIS) standard, FAPI-secured with OAuth2/OIDC, mutual-TLS, and PS...38.2Celcoin Open Finance APIOpen Finance and Open Banking APIs for Payment Initiation (ITP with and without redirect), account linking ...37.7Western Union Open Banking APIWestern Union's PSD2-compliant Open Banking API enables Payment Service Providers to access account informa...36.7Skipton Payment Initiation API (OBIE Read/Write Standard)Payment Initiation Services (PIS) as defined by the OBIE Read/Write API Standard - FAPI-secured (OAuth2/OID...36.4Shawbrook Payment Initiation API (PIS, OBIE Standard, Unverified)UK Open Banking Read/Write Payment Initiation API (PISP) as defined by the OBIE Payment Initiation API Spec...35.8GB Bank Payment Initiation API (PIS)UK Open Banking Read/Write Payment Initiation API (PISP) - the OBIE standard for initiating domestic, sched...35.7Handelsbanken UK PSD2 Payment Initiation APIThe Great Britain market Payment Initiation Service (PIS) API - initiate and manage payments from consentin...35.7Ordo Single Payments APISingle, one-off open-banking payment initiation — list supported institutions, create a payment, initiate a...35.7Paragon Bank Payment Initiation API (OBIE standard, unverified)The OBIE Read/Write Payment Initiation (PIS) API standard - FAPI-secured initiation of domestic, scheduled,...34.8Bank of Scotland Payment Initiation API (PIS)OBIE Read/Write Payment Initiation (PIS) API - domestic, scheduled, standing order, international, and file...34.1Worldline Open Banking APIConnectivity to more than 3,500 European banks in 21 countries supporting PSD2 open banking. Provides payme...33.6OBIE Payment Initiation API (PIS - Standard, Out of Scope)The OBIE Read/Write Payment Initiation (PISP) standard for initiating domestic, scheduled, standing-order, ...33.2Citi Money Movement APIThe Citi Money Movement API enables authorized payment initiation from Citi retail accounts, including dome...30.0Salt Edge Payment Initiation APIInitiate single, recurring, and bulk SEPA / domestic payments via PSD2 PISP.28.9Barclays Bank Ireland Payment Initiation APIInitiate payments from Barclays Bank Ireland accounts via PSD2-compliant API.28.8Barclays Payment Initiation APISecurely initiate and authorize payments from Barclays accounts via Open Banking.28.8OBIE Payment Initiation API (PIS, shared standard)The OBIE Read/Write Payment Initiation (PIS) standard for initiating domestic, scheduled, standing-order, i...28.4Payment Initiation (PSD2) APIPSD2-compliant Payment Initiation Service (PIS) API allowing licensed Third Party Providers (TPPs) to initi...27.3
Emerging 3 Early or largely undocumented
Klarna Kosma XS2A APIThe XS2A API is the server-side endpoint set used by TPPs and merchants to create and control Open Banking ...25.2American Express API-Based Payment PlatformThe American Express API-based Payment Platform allows eCommerce sellers and merchants to scale their busin...19.7Tink Payments APIInitiate single, recurring, and bulk SEPA / domestic-rail payments via PSD2 PISP.14.3
Minimal 1 Almost no public developer surface
Rabobank Payment Initiation API (PSD2 PIS)PSD2-compliant Payment Initiation Service. Allows licensed PISPs to initiate SEPA Credit Transfers, SEPA In...6.1

Score breakdown

Frequency
51.9
log-scaled weighted occurrences
Breadth
1.9
spread across providers
Quality lift
50.1
mean composite of providers using it
Cohesion
0.0
strength of nearest seed neighbor

Related tags

Account Information 55 co-occurrences PSD2 58 co-occurrences Confirmation of Funds 39 co-occurrences CBPII 39 co-occurrences OBIE 38 co-occurrences PIS 26 co-occurrences Domestic Payments 24 co-occurrences FAPI 24 co-occurrences

Where this tag comes from

Api tag72
Provider tag12
Openapi tag4
Openapi op tag7

Cohort brief

Auto-generated

The 70 providers in the APIs.io catalog tagged Payment Initiation, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
70
all scored
Mean Kin Score
41.4
+20.7 vs catalog 20.7
Mean Agent Readiness
28.7
+19.0 vs catalog 9.7
Spread
6.1–68.2
median 42.3 · σ 11.3
How the 70 split by band
Exemplar 1Strong 4Developing 38Thin 22Emerging 4Minimal 1
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Contract Quality 44.8 17.5 +27.3 70
Developer Ergonomics 37.9 17.9 +20 70
Discoverability 78.5 60.4 +18.1 70
Contract Governance 18.3 6.4 +11.9 70
Access Clarity 33.1 22.3 +10.8 70
Operational Transparency 16 11.3 +4.7 70

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) 54% 16% +38
MCP server (first-party) 1% 7% -6
Agent Skills 0% 0% 0
OAuth scopes 57% 9% +48
Security 100% 88% +12
Arazzo workflows 3% 2% +1
Governance rules 14% 13% +1

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 Plaid 68.2
  2. 2 Tink 65.9
  3. 3 iBanFirst 62.6
  4. 4 Moneyhub 61.2
  5. 5 first direct 56.2
  6. 6 Fintecture 54.2
  7. 7 Yapily 54.2
  8. 8 Spare 53.5
  9. 9 Starling Bank 53.3
  10. 10 Azupay 53
Top by Agent Readiness
  1. 1 Allica Bank 52.3
  2. 2 iBanFirst 50.4
  3. 3 Yorkshire Building Society 43
  4. 4 Bank of Ireland (UK) 41.9
  5. 5 Danske Bank (UK) 41.5
  6. 6 TSB Bank 41.5
  7. 7 Virgin Money UK 41.5
  8. 8 Azupay 40.8
  9. 9 JPMorgan Chase 40.6
  10. 10 Aldermore Bank 39.7
All 70 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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