established · 0.1 market domain

Real-Time Payments

Score 24.7 / 100 27 providers +9 via APIs 24 APIs Search apis.io →
Business capabilities this tag reaches
Payments & Card Management 1

Providers using this tag (27)

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

Strong 4 Solid coverage with minor gaps
VoPayPaymentsCanadaEmbedded FinancePayments-as-a-Service23 APIs57.0AzupayPaymentsAustraliaAccount-to-Account6 APIs56.2ZaiPaymentsAustraliaPayment GatewayPayment Processing4 APIs55.8NovoPaymentPaymentsBanking as a ServiceEmbedded FinanceCard Issuing30 APIs54.9
Developing 10 Usable, with meaningful gaps to close
ZeptoPaymentsAustraliaAccount-to-Account7 APIs52.9MonoovaPaymentsAustraliaNPP3 APIs50.6TabaPayCompanyFintechPaymentsInstant Payments1 API48.3AeropayPaymentsPay by BankACHOpen Banking2 APIs47.6ACI WorldwidePaymentsUnited StatesPayment GatewayPayment Processing5 APIs45.7InterchecksPaymentsPayoutsACH2 APIs43.3KeyCorpBankingCommercial BankingFinancial ServicesFortune 5009 APIs42.0Form3PaymentsUnited KingdomPayment ProcessingAccount-to-Account1 API40.3VoltPaymentsUnited KingdomOpen BankingAccount-to-Account1 API40.2Fifth Third BancorpBankingUnited StatesEmbedded FinanceBanking as a Service1 API40.0
Thin 6 Limited public surface area
MontranBankingCentral BankingFinancial ServicesISO 200226 APIs39.2Euronet WorldwidePaymentsUnited StatesPayment ProcessingCross-Border5 APIs37.7FedNow ServicePaymentsUnited StatesInstant Payments5 APIs36.5NachaPaymentsUnited StatesACHAccount-to-Account24 APIs35.6NPP Australia (AP+)PaymentsAustraliaAccount-to-Account3 APIs29.7CuscalPaymentsAustraliaCard IssuingIssuer Processor3 APIs29.1
Emerging 5 Early or largely undocumented
NiveloCompanyPaymentsACHFintech1 API24.6Peoples GroupPaymentsCanadaBanking as a ServiceCard Issuing5 APIs20.0PayToPaymentsAustraliaAccount-to-Account1 API18.5Pay.UKPaymentsUnited KingdomISO 2002218.3The Clearing House (RTP)PaymentsUnited StatesInstant Payments1 API13.1
Minimal 2 Almost no public developer surface
PNCBankingFinancial ServicesUnited StatesTreasury Management6 APIs10.6OrdoPaymentsUnited KingdomOpen BankingAccount-to-Account6 APIs0.0

APIs with this tag (23)

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 1 Solid coverage with minor gaps
Mastercard SendMastercard Send is a suite of API services enabling real-time money transfers including person-to-person pa...55.7
Developing 1 Usable, with meaningful gaps to close
Australia and New Zealand Banking Group (ANZ) PayTo APIANZ's first-party PayTo API (also available as a file channel) for real-time account-to-account payments an...39.5
Thin 17 Limited public surface area
Commonwealth Bank Fast Payment (Credit Transfer Initiation) APIDocumented in CommBank's business API catalogue as the Credit Transfer Initiation / Fast Payment API: a nea...38.8Commonwealth Bank PayTo APIDocumented in CommBank's business API catalogue: PayTo is a modern digital payment solution enabling near r...38.8Dandelion Cross-Border Payments APIDandelion by Euronet — a real-time, ISO 20022-compliant cross-border payments network exposed through a sin...37.7FedNow Account Balance APIAccount Management API letting a participating financial institution programmatically retrieve its FedNow m...36.5FedNow ISO 20022 Message SpecificationsThe core scheme messaging surface of the FedNow Service. FedNow is ISO 20022 native and defines message typ...36.5FedNow Network Intelligence APIRisk Mitigation API providing fraud-prevention and risk signals across the FedNow network to participating ...36.5FedNow Participant List APIService Management API returning the current list of FedNow Service participants so an institution can conf...36.5FedNow Ping APIService Management API used to verify connectivity and availability of the FedNow Service from a participan...36.5Real-time Payments APIProvides fast payment capabilities for business transactions via INTERAC e-Transfer for business. Customers...36.3Scotiabank Real-Time Payments APIThe Real-Time Payments API from Scotiabank — 1 operation(s) for real-time payments.36.3SVB Instant Payments APIThe Instant Payments API sends and tracks real-time payments over U.S. instant rails. Partners create payme...33.6Cielo Pix APICielo Pix API exposes the Brazilian Central Bank's instant-payment rails on a Cielo-hosted endpoint. It imp...32.7Sila Virtual Accounts APISila's Virtual Accounts product issues each user a dedicated account and routing number, giving a program a...30.8NPP API FrameworkThe NPP API Framework defines the mandatory technical approach and data attributes for APIs built on the Ne...29.7PayIDPayID is NPP's addressing service, allowing payments to be directed using a simple identifier such as a mob...29.7PayToPayTo is NPP's real-time, digital mandated-debit overlay service. It lets businesses initiate real-time pay...29.7CitiConnect APICitiConnect is the corporate treasury and trade integration channel within Citi's Treasury and Trade Soluti...28.6
Emerging 3 Early or largely undocumented
RBC Move Money API (Interac e-Transfer)Partner-gated Business Banking payment API that lets companies send near real-time Interac e-Transfer trans...20.8Peoples Group Interac e-Transfer APIAPI-driven Interac e-Transfer for Canadian money movement, supporting Send Money, Request Money, Receive Au...20.0RTP Network (ISO 20022 Messaging)The RTP network is The Clearing House's real-time payments scheme for the United States, moving credit-push...13.1
Minimal 1 Almost no public developer surface
PNC Real-Time Payments (RTP) APIReal-Time Payments API surface from PNC, one of the first U.S. banks to adopt The Clearing House RTP networ...10.6

Companies reaching this through an API (9)

These companies publish an API, specification or operation carrying “Real-Time Payments” 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.

Australia and New Zealand Banking Group (ANZ) Cielo Citigroup Commonwealth Bank First Citizens BancShares Mastercard Royal Bank of Canada Scotiabank Sila

Score breakdown

Frequency
46.2
log-scaled weighted occurrences
Breadth
0.7
spread across providers
Quality lift
45.0
mean composite of providers using it
Cohesion
26.3
strength of nearest seed neighbor

Where this tag sits

Payments broader

Related tags

Account-to-Account 16 co-occurrences PayTo 8 co-occurrences ISO 20022 10 co-occurrences PayID 6 co-occurrences Instant Payments 8 co-occurrences ACH 15 co-occurrences Confirmation of Payee 6 co-occurrences NPP 5 co-occurrences

Where this tag comes from

Provider tag27
Api tag24
Openapi tag1
Openapi op tag1

Cohort brief

Auto-generated

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

Providers
27
all scored
Mean Kin Score
36.6
+13.7 vs catalog 22.9
Mean Agent Readiness
24.3
+12.4 vs catalog 11.9
Spread
0–57
median 40 · σ 15.1
How the 27 split by band
Exemplar 0Strong 4Developing 10Thin 6Emerging 5Minimal 2
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 45.3 23.2 +22.1 27
Contract Quality 35.3 17.6 +17.7 27
Discoverability 67.6 58.1 +9.5 27
Access Clarity 34 26.5 +7.5 27
Operational Transparency 21 13.7 +7.3 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) 15% 14% +1
MCP server (first-party) 11% 12% -1
Agent Skills 0% 0% 0
OAuth scopes 22% 11% +11
Security 100% 98% +2
Arazzo workflows 0% 2% -2
Governance rules 4% 14% -10

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 VoPay 57
  2. 2 Azupay 56.2
  3. 3 Zai 55.8
  4. 4 NovoPayment 54.9
  5. 5 Zepto 52.9
  6. 6 Monoova 50.6
  7. 7 TabaPay 48.3
  8. 8 Aeropay 47.6
  9. 9 ACI Worldwide 45.7
  10. 10 Interchecks 43.3
Top by Agent Readiness
  1. 1 Zai 44.1
  2. 2 Fifth Third Bancorp 43.7
  3. 3 Zepto 43.6
  4. 4 TabaPay 41.5
  5. 5 Aeropay 41.5
  6. 6 Azupay 40.8
  7. 7 VoPay 38.6
  8. 8 KeyCorp 37.7
  9. 9 Interchecks 37.6
  10. 10 Volt 33.9
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

One button, every client — Claude, Cursor, VS Code and the rest.

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

curl for this page
This tag 
curl "https://apis.io/api/v1/tags/real-time-payments"
All tags 
curl "https://apis.io/api/v1/tags?limit=25"
As a scored cohort 
curl "https://apis.io/api/v1/cohorts/tag/real-time-payments"
The distribution (Pro) 
curl "https://apis.io/api/v1/cohorts/tag/real-time-payments/stats" \
  -H "X-API-Key: $APIS_IO_KEY"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.