Real-Time Payments
Business capabilities this tag reaches
Payments & Card Management 1
Providers using this tag (26)
Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.
Developing 12 Usable, with meaningful gaps to close
Thin 4 Limited public surface area
Emerging 5 Early or largely undocumented
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
Developing 6 Usable, with meaningful gaps to close
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...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...
Thin 10 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...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.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...
Emerging 5 Early or largely undocumented
Sila Virtual Accounts APISila's Virtual Accounts product issues each user a dedicated account and routing number, giving a program a...CitiConnect APICitiConnect is the corporate treasury and trade integration channel within Citi's Treasury and Trade Soluti...RBC Move Money API (Interac e-Transfer)Partner-gated Business Banking payment API that lets companies send near real-time Interac e-Transfer trans...Peoples Group Interac e-Transfer APIAPI-driven Interac e-Transfer for Canadian money movement, supporting Send Money, Request Money, Receive Au...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 (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
45.2
log-scaled weighted occurrences
Breadth
0.6
spread across providers
Quality lift
39.5
mean composite of providers using it
Cohesion
26.1
strength of nearest seed neighbor
Where this tag sits
Related tags
Account-to-Account 16 co-occurrences
PayTo 8 co-occurrences
New Payments Platform 7 co-occurrences
ISO 20022 9 co-occurrences
PayID 6 co-occurrences
Instant Payments 8 co-occurrences
ACH 15 co-occurrences
Confirmation of Payee 6 co-occurrences
Where this tag comes from
Provider tag27
Api tag23
Openapi tag1
Openapi op tag1
Cohort brief
Auto-generatedThe 26 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
26
all scored
Mean Kin Score
37.6
+15.4 vs catalog 22.2
Mean Agent Readiness
26.1
+14.1 vs catalog 12
Spread
0–63.3
median 41 · σ 16.1
How the 26 split by band
Exemplar 0Strong 3Developing 12Thin 4Emerging 5Minimal 2
Facet averages, against the whole catalog
| Facet | This cohort | Catalog | Difference | Scored |
|---|---|---|---|---|
| Developer Ergonomics | 46 | 23.2 | +22.8 | 26 |
| Contract Quality | 36.2 | 17.2 | +19 | 26 |
| Discoverability | 69.8 | 57.9 | +11.9 | 26 |
| Access Clarity | 33.9 | 23.9 | +10 | 26 |
| Operational Transparency | 22 | 13 | +9 | 26 |
| Contract Governance | 13.1 | 6.5 | +6.6 | 26 |
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) | 23% | 13% | +10 |
| MCP server (first-party) | 19% | 12% | +7 |
| Agent Skills | 0% | 0% | 0 |
| OAuth scopes | 23% | 11% | +12 |
| Security | 100% | 98% | +2 |
| Arazzo workflows | 0% | 2% | -2 |
| Governance rules | 15% | 16% | -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 Azupay 63.3
- 2 VoPay 62.3
- 3 Zai 56.4
- 4 NovoPayment 53.8
- 5 Zepto 53.6
- 6 Monoova 51.2
- 7 TabaPay 48.4
- 8 Aeropay 47.6
- 9 ACI Worldwide 45.7
- 10 Interchecks 43.4
Top by Agent Readiness
- 1 Azupay 59
- 2 Zai 47.1
- 3 Zepto 45.7
- 4 Fifth Third Bancorp 44.9
- 5 Aeropay 42.6
- 6 VoPay 42.2
- 7 TabaPay 40.7
- 8 Volt 37.5
- 9 Form3 36.2
- 10 Interchecks 35.5
All 26 members of this roster resolve to a scored provider in
the catalog.
Coverage caveat. 24 of 26 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 24 October 2026, across 31984 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.
Coverage caveat. 24 of 26 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 24 October 2026, across 31984 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.