Real-Time Payments
Variants seen in the corpus:
Real Time PaymentsReal-Time PaymentsReal-time payments
Providers using this tag (27)
Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.
Strong 1 Solid coverage with minor gaps
Developing 13 Usable, with meaningful gaps to close
Thin 7 Limited public surface area
Emerging 5 Early or largely undocumented
Minimal 1 Almost no public developer surface
APIs with this tag (25)
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 1 Complete, well-documented, and agent-ready
Strong 2 Solid coverage with minor gaps
Developing 5 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...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...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.
Thin 13 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...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...Cielo Pix APICielo Pix API exposes the Brazilian Central Bank's instant-payment rails on a Cielo-hosted endpoint. It imp...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...
Emerging 3 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...
Minimal 1 Almost no public developer surface
Companies reaching this through an API (11)
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)
BB&T Corp (Truist)
Cielo
Citigroup
Citizens Financial Group
Commonwealth Bank
First Citizens BancShares
Mastercard
Royal Bank of Canada
Scotiabank
Sila
Score breakdown
Frequency
46.4
log-scaled weighted occurrences
Breadth
0.7
spread across providers
Quality lift
43.4
mean composite of providers using it
Cohesion
0.0
strength of nearest seed neighbor
Related tags
Account-to-Account 16 co-occurrences
ISO 20022 11 co-occurrences
PayTo 8 co-occurrences
ACH 17 co-occurrences
PayID 6 co-occurrences
Instant Payments 8 co-occurrences
Confirmation of Payee 6 co-occurrences
NPP 5 co-occurrences
Where this tag comes from
Provider tag27
Api tag25
Openapi tag1
Openapi op tag1
Cohort brief
Auto-generatedThe 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
38.3
+14.4 vs catalog 23.9
Mean Agent Readiness
24.3
+12.3 vs catalog 12
Spread
10.1–54.7
median 39.7 · σ 12.9
How the 27 split by band
Exemplar 0Strong 1Developing 13Thin 7Emerging 5Minimal 1
Facet averages, against the whole catalog
| Facet | This cohort | Catalog | Difference | Scored |
|---|---|---|---|---|
| Developer Ergonomics | 46.3 | 23.4 | +22.9 | 27 |
| Contract Quality | 38.4 | 19.8 | +18.6 | 27 |
| Discoverability | 70.2 | 61.2 | +9 | 27 |
| Operational Transparency | 21.4 | 14 | +7.4 | 27 |
| Contract Governance | 11 | 6.4 | +4.6 | 27 |
| Access Clarity | 30.4 | 26.5 | +3.9 | 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
| Artifact | This cohort | Catalog | Difference |
|---|---|---|---|
| MCP server (any) | 15% | 10% | +5 |
| MCP server (first-party) | 11% | 13% | -2 |
| Agent Skills | 0% | 0% | 0 |
| OAuth scopes | 22% | 11% | +11 |
| Security | 100% | 97% | +3 |
| 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 Zepto 54.7
- 2 Azupay 53.7
- 3 Monoova 52.8
- 4 Zai 52.6
- 5 TabaPay 52
- 6 VoPay 51.9
- 7 Aeropay 49.9
- 8 ACI Worldwide 49.3
- 9 Interchecks 45.7
- 10 Form3 45.1
Top by Agent Readiness
- 1 Fifth Third Bancorp 43.7
- 2 Zepto 43.6
- 3 Zai 41.5
- 4 TabaPay 41.5
- 5 Aeropay 41.5
- 6 Azupay 40.8
- 7 KeyCorp 40.1
- 8 VoPay 38.6
- 9 Interchecks 37.6
- 10 Form3 36.1
All 27 members of this roster resolve to a scored provider in
the catalog.Generated from the catalog build of
15 September 2026, across 27661
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.