emerging · -1.4 market domain

Real-Time Payments

Score 22.3 / 100 28 providers +9 via APIs 23 APIs Search apis.io →
Business capabilities this tag reaches
Payments & Card Management 1

Providers using this tag (28)

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

Strong 7 Solid coverage with minor gaps
AzupayPaymentsAustraliaAccount-to-Account6 APIs64.0ZaiPaymentsAustraliaPayment GatewayPayment Processing4 APIs62.8ZeptoPaymentsAustraliaAccount-to-Account7 APIs61.7VoPayPaymentsCanadaEmbedded FinancePayments-as-a-Service23 APIs61.1NovoPaymentPaymentsBanking as a ServiceEmbedded FinanceCard Issuing16 APIs60.5TabaPayCompanyFintechPaymentsInstant Payments1 API54.9MonoovaPaymentsAustraliaNew Payments Platform3 APIs54.7
Developing 9 Usable, with meaningful gaps to close
VoltPaymentsUnited KingdomOpen BankingAccount-to-Account1 API44.2AeropayPaymentsPay by BankACHOpen Banking1 API53.6Fifth Third BancorpBankingUnited StatesEmbedded FinanceBanking as a Service1 API48.4ACI WorldwidePaymentsUnited StatesPayment GatewayPayment Processing5 APIs46.5InterchecksPaymentsPayoutsACH2 APIs43.3Form3PaymentsUnited KingdomPayment ProcessingAccount-to-Account1 API43.1NPP Australia (AP+)PaymentsAustraliaAccount-to-Account4 APIs42.3KeyCorpBankingCommercial BankingFinancial ServicesFortune 5009 APIs41.8MontranBankingCentral BankingFinancial ServicesISO 200226 APIs39.6
Thin 5 Limited public surface area
Euronet WorldwidePaymentsUnited StatesPayment ProcessingCross-Border5 APIs38.5NachaPaymentsUnited StatesACHAccount-to-Account24 APIs38.1FedNow ServicePaymentsUnited StatesInstant Payments5 APIs34.5CuscalPaymentsAustraliaCard IssuingIssuer Processor3 APIs29.6NiveloCompanyPaymentsACHFintech1 API27.3
Emerging 4 Early or largely undocumented
Peoples GroupPaymentsCanadaBanking as a ServiceCard Issuing5 APIs22.9PayToPaymentsAustraliaAccount-to-Account1 API17.7Pay.UKPaymentsUnited KingdomISO 2002217.6The Clearing House (RTP)PaymentsUnited StatesInstant Payments1 API12.8
Minimal 3 Almost no public developer surface
PNCBankingFinancial ServicesUnited StatesTreasury Management6 APIs10.7StreamCompanyPayrollFintechEmployee Benefits1.6OrdoPaymentsUnited 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...57.3
Developing 6 Usable, with meaningful gaps to close
Commonwealth Bank Fast Payment (Credit Transfer Initiation) APIDocumented in CommBank's business API catalogue as the Credit Transfer Initiation / Fast Payment API: a nea...43.4Commonwealth Bank PayTo APIDocumented in CommBank's business API catalogue: PayTo is a modern digital payment solution enabling near r...43.4Australia 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...42.8NPP API FrameworkThe NPP API Framework defines the mandatory technical approach and data attributes for APIs built on the Ne...42.3PayIDPayID is NPP's addressing service, allowing payments to be directed using a simple identifier such as a mob...42.3PayToPayTo is NPP's real-time, digital mandated-debit overlay service. It lets businesses initiate real-time pay...42.3
Thin 11 Limited public surface area
Dandelion Cross-Border Payments APIDandelion by Euronet — a real-time, ISO 20022-compliant cross-border payments network exposed through a sin...38.5SVB Instant Payments APIThe Instant Payments API sends and tracks real-time payments over U.S. instant rails. Partners create payme...35.3FedNow Account Balance APIAccount Management API letting a participating financial institution programmatically retrieve its FedNow m...34.5FedNow ISO 20022 Message SpecificationsThe core scheme messaging surface of the FedNow Service. FedNow is ISO 20022 native and defines message typ...34.5FedNow Network Intelligence APIRisk Mitigation API providing fraud-prevention and risk signals across the FedNow network to participating ...34.5FedNow Participant List APIService Management API returning the current list of FedNow Service participants so an institution can conf...34.5FedNow Ping APIService Management API used to verify connectivity and availability of the FedNow Service from a participan...34.5Real-time Payments APIProvides fast payment capabilities for business transactions via INTERAC e-Transfer for business. Customers...34.0Scotiabank Real-Time Payments APIThe Real-Time Payments API from Scotiabank — 1 operation(s) for real-time payments.34.0Cielo Pix APICielo Pix API exposes the Brazilian Central Bank's instant-payment rails on a Cielo-hosted endpoint. It imp...31.0Sila Virtual Accounts APISila's Virtual Accounts product issues each user a dedicated account and routing number, giving a program a...26.8
Emerging 4 Early or largely undocumented
Peoples Group Interac e-Transfer APIAPI-driven Interac e-Transfer for Canadian money movement, supporting Send Money, Request Money, Receive Au...22.9CitiConnect APICitiConnect is the corporate treasury and trade integration channel within Citi's Treasury and Trade Soluti...22.8RBC Move Money API (Interac e-Transfer)Partner-gated Business Banking payment API that lets companies send near real-time Interac e-Transfer trans...21.2RTP Network (ISO 20022 Messaging)The RTP network is The Clearing House's real-time payments scheme for the United States, moving credit-push...12.8
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...10.7

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
42.9
log-scaled weighted occurrences
Breadth
0.4
spread across providers
Quality lift
38.4
mean composite of providers using it
Cohesion
25.2
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 New Payments Platform 7 co-occurrences PayID 6 co-occurrences ACH 15 co-occurrences Instant Payments 8 co-occurrences Confirmation of Payee 6 co-occurrences

Where this tag comes from

Provider tag28
Api tag23
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
of 28 in the catalog
Mean Kin Score
39.7
+15.6 vs catalog 24.1
Mean Agent Readiness
26.9
+12.8 vs catalog 14.1
Spread
0–64
median 42.3 · σ 17.2
How the 27 split by band
Exemplar 0Strong 7Developing 9Thin 5Emerging 4Minimal 2
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Developer Ergonomics 48.5 24.5 +24 27
Contract Quality 37.5 18.6 +18.9 27
Discoverability 70 59.1 +10.9 27
Contract Governance 19.4 9.7 +9.7 27
Operational Transparency 22.2 13.2 +9 27
Access Clarity 38.6 30 +8.6 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) 22% 18% +4
MCP server (first-party) 19% 16% +3
Agent Skills 0% 0% 0
OAuth scopes 22% 13% +9
Security 100% 99% +1
Arazzo workflows 0% 1% -1
Governance rules 67% 36% +31

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 Azupay 64
  2. 2 Zai 62.8
  3. 3 Zepto 61.7
  4. 4 VoPay 61.1
  5. 5 NovoPayment 60.5
  6. 6 TabaPay 54.9
  7. 7 Monoova 54.7
  8. 8 Aeropay 53.6
  9. 9 Fifth Third Bancorp 48.4
  10. 10 ACI Worldwide 46.5
Top by Agent Readiness
  1. 1 Azupay 63.2
  2. 2 Zepto 48.4
  3. 3 Zai 47.1
  4. 4 Fifth Third Bancorp 44.9
  5. 5 VoPay 44.6
  6. 6 TabaPay 43.1
  7. 7 Aeropay 42.6
  8. 8 Volt 37.5
  9. 9 Form3 36.2
  10. 10 Interchecks 35.5
All 28 members of this roster resolve to a provider in the catalog; 27 carry a score (96%). The figures above describe the scored members only.
Coverage caveat. 24 of 27 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 14 November 2026, across 41591 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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  • 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.
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