Real-Time Payments
Variants seen in the corpus:
Real Time PaymentsReal-Time PaymentsReal-time Payments
Providers using this tag (36)
Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.
Developing 14 Usable, with meaningful gaps to close
Thin 11 Limited public surface area
Emerging 7 Early or largely undocumented
APIs with this tag (35)
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 4 Solid coverage with minor gaps
Zepto PayTo APIProgrammatic PayTo mandate management and real-time collection — create, amend, suspend, reactivate and can...Zai PayTo APICreate and manage PayTo agreements (mandated real-time debits) and initiate payments against them over the ...Zai Virtual Accounts and PayIDs APICreate and manage Virtual Accounts and PayIDs on the New Payments Platform (NPP), letting platforms receive...Monoova PayTo APIMonoova's PayTo API (v1) for the New Payments Platform's mandated account-to-account debit service - create...
Developing 11 Usable, with meaningful gaps to close
Azupay PaymentRequest API (AzupayId)Receive real-time account-to-account payments from customers by creating PayID-addressed payment requests. ...SoFi Business Banking APISoFi Business Banking (marketed as Big Business Banking) is SoFi Bank, N.A.'s API-driven commercial platfor...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...Mastercard SendMastercard Send is a suite of API services enabling real-time money transfers including person-to-person pa...KeyBank RTP Inquiry APIThe RTP Inquiry API confirms the delivery and status of Real-Time Payments sent through KeyBank on The Clea...KeyBank RTP Send Payment APIThe RTP Send Payment API initiates instant, irrevocable payments over The Clearing House Real-Time Payments...Commonwealth Bank Fast Payment (Credit Transfer Initiation) APIDocumented in CommBank's business API catalogue as the Credit Transfer Initiation / Fast Payment API: a nea...Commonwealth Bank PayTo APIDocumented in CommBank's business API catalogue: PayTo is a modern digital payment solution enabling near r...Newline Transfers APIInitiate, list, retrieve, and cancel Transfers that move assets between Synthetic Accounts across payment r...Customers Bank Instant Payments APIInstant Payments API for real-time payment origination and management on the Customers Bank platform. OpenA...Dandelion Cross-Border Payments APIDandelion by Euronet — a real-time, ISO 20022-compliant cross-border payments network exposed through a sin...
Thin 16 Limited public surface area
Afinis Initiate Instant Payment API (IIP)Afinis Initiate Instant Payment (IIP) API enabling a business to make an instant payment through its financ...Afinis Instant Payment Transfer API (IPT)Afinis Instant Payment Transfer (IPT) API enabling a financial institution to send another financial instit...FedNow Account Balance APIAccount Management API letting a participating financial institution programmatically retrieve its FedNow m...FedNow ISO 20022 Message SpecificationsThe core scheme messaging surface of the FedNow Service. FedNow is ISO 20022 native and defines message typ...FedNow Network Intelligence APIRisk Mitigation API providing fraud-prevention and risk signals across the FedNow network to participating ...FedNow Participant List APIService Management API returning the current list of FedNow Service participants so an institution can conf...FedNow Ping APIService Management API used to verify connectivity and availability of the FedNow Service from a participan...SVB Instant Payments APIThe Instant Payments API sends and tracks real-time payments over U.S. instant rails. Partners create payme...Real-time Payments APIProvides fast payment capabilities for business transactions via INTERAC e-Transfer for business. Customers...Scotiabank Real-Time Payments APIThe Real-Time Payments API from Scotiabank — 1 operation(s) for real-time payments.Sila Virtual Accounts APISila's Virtual Accounts product issues each user a dedicated account and routing number, giving a program a...NPP API FrameworkThe NPP API Framework defines the mandatory technical approach and data attributes for APIs built on the Ne...PayIDPayID is NPP's addressing service, allowing payments to be directed using a simple identifier such as a mob...PayToPayTo is NPP's real-time, digital mandated-debit overlay service. It lets businesses initiate real-time pay...CitiConnect APICitiConnect is the corporate treasury and trade integration channel within Citi's Treasury and Trade Soluti...Cielo Pix APICielo Pix API exposes the Brazilian Central Bank's instant-payment rails on a Cielo-hosted endpoint. It imp...
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...RBC Move Money API (Interac e-Transfer)Partner-gated Business Banking payment API that lets companies send near real-time Interac e-Transfer trans...RTP Network (ISO 20022 Messaging)The RTP network is The Clearing House's real-time payments scheme for the United States, moving credit-push...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...
Score breakdown
Frequency
48.1
log-scaled weighted occurrences
Breadth
1.0
spread across providers
Quality lift
46.1
mean composite of providers using it
Cohesion
0.0
strength of nearest seed neighbor
Related tags
Account-to-Account 16 co-occurrences
ISO 20022 10 co-occurrences
PayTo 8 co-occurrences
Confirmation of Payee 7 co-occurrences
NPP 6 co-occurrences
PayID 6 co-occurrences
Instant Payments 9 co-occurrences
Mandates 8 co-occurrences
Where this tag comes from
Provider tag25
Api tag35
Openapi tag1
Openapi op tag1
Cohort brief
Auto-generatedThe 36 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
36
all scored
Mean Kin Score
38.2
+17.5 vs catalog 20.7
Mean Agent Readiness
22
+12.3 vs catalog 9.7
Spread
11.2–59.7
median 39.4 · σ 12.7
How the 36 split by band
Exemplar 0Strong 4Developing 14Thin 11Emerging 7Minimal 0
Facet averages, against the whole catalog
| Facet | This cohort | Catalog | Difference | Scored |
|---|---|---|---|---|
| Developer Ergonomics | 42.4 | 17.9 | +24.5 | 36 |
| Contract Quality | 36.3 | 17.5 | +18.8 | 36 |
| Discoverability | 76.6 | 60.4 | +16.2 | 36 |
| Operational Transparency | 21.5 | 11.3 | +10.2 | 36 |
| Contract Governance | 16.5 | 6.4 | +10.1 | 36 |
| Access Clarity | 30.7 | 22.3 | +8.4 | 36 |
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
| Artifact | This cohort | Catalog | Difference |
|---|---|---|---|
| MCP server (any) | 53% | 16% | +37 |
| MCP server (first-party) | 8% | 7% | +1 |
| Agent Skills | 0% | 0% | 0 |
| OAuth scopes | 25% | 9% | +16 |
| Security | 100% | 88% | +12 |
| Arazzo workflows | 0% | 2% | -2 |
| Governance rules | 11% | 13% | -2 |
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 Zepto 59.7
- 2 Zai 58.7
- 3 Monoova 57.2
- 4 TabaPay 54.7
- 5 Azupay 53
- 6 VoPay 52.7
- 7 ACI Worldwide 49.6
- 8 SoFi 48.6
- 9 Form3 48.4
- 10 Australia and New Zealand Banking Group (ANZ) 46.6
Top by Agent Readiness
- 1 Customers Bank 48.4
- 2 Zepto 45.8
- 3 TabaPay 41.5
- 4 Azupay 40.8
- 5 KeyCorp 40.1
- 6 Fifth Third Bancorp 39.4
- 7 VoPay 39
- 8 Zai 37.2
- 9 Volt 33.3
- 10 Form3 32.5
All 36 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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