Assembly Payments
Assembly Payments was an Australian payments platform founded to give marketplaces, platforms and businesses embedded payment processing, digital wallets, escrow-style payment workflows and real-time payouts through an API. According to the company's own About page, Assembly Payments became the first non-bank to launch real-time payments in Australia and later merged with CurrencyFair to become Zai; assemblypay.com now redirects to hellozai.com, and the developer portal at developer.hellozai.com (still introduced as 'The Assembly Payments Developer Portal') documents the Zai payments API for payment processing, wallets, PayTo, payouts and workflow automation.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Assembly Payments the way a machine reads it — 75 machine-readable artifacts across 7 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Assembly Payments scores 63.8/100 (strong), with a separate agent-readiness read of 42/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-10-31 · rubric v0.25.0
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How we profile Assembly Payments
Each block below is one kind of artifact we hold for Assembly Payments. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 31
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Webhooks API
Configure and manage webhook subscriptions and delivery for Zai/Assembly platform events.
Assembly Payments Addresses API
The Addresses API from Assembly Payments — 1 operation(s) for addresses.
Assembly Payments Authentication API
The Authentication API from Assembly Payments — 1 operation(s) for authentication.
Assembly Payments Bank Accounts API
The Bank Accounts API from Assembly Payments — 6 operation(s) for bank accounts.
Assembly Payments Batch Transactions API
The Batch Transactions API from Assembly Payments — 2 operation(s) for batch transactions.
Assembly Payments BPay Accounts API
The BPay Accounts API from Assembly Payments — 3 operation(s) for bpay accounts.
Assembly Payments Callbacks API
The Callbacks API from Assembly Payments — 4 operation(s) for callbacks.
Assembly Payments Card Accounts API
The Card Accounts API from Assembly Payments — 4 operation(s) for card accounts.
Assembly Payments Charges API
The Charges API from Assembly Payments — 4 operation(s) for charges.
Assembly Payments Companies API
The Companies API from Assembly Payments — 2 operation(s) for companies.
Assembly Payments Direct Debit Authorities API
The Direct Debit Authorities API from Assembly Payments — 2 operation(s) for direct debit authorities.
Assembly Payments Disbursements API
The Disbursements API from Assembly Payments — 7 operation(s) for disbursements.
Assembly Payments Failed NPP Payment Details API
The Failed NPP Payment Details API from Assembly Payments — 1 operation(s) for failed npp payment details.
Assembly Payments Fees API
The Fees API from Assembly Payments — 2 operation(s) for fees.
Assembly Payments Item Actions API
The Item Actions API from Assembly Payments — 8 operation(s) for item actions.
Assembly Payments Items API
The Items API from Assembly Payments — 9 operation(s) for items.
Assembly Payments Jobs API
The Jobs API from Assembly Payments — 2 operation(s) for jobs.
Assembly Payments Marketplaces API
The Marketplaces API from Assembly Payments — 1 operation(s) for marketplaces.
Assembly Payments Pay IDs API
The PayIDs API from Assembly Payments — 3 operation(s) for payids.
Assembly Payments PayTo Agreements API
Agreement Management APIs
Assembly Payments PayTo Payments API
Payment Initiation APIs
Assembly Payments Requests API
The Requests API from Assembly Payments — 2 operation(s) for requests.
Assembly Payments Status API
The Status API from Assembly Payments — 1 operation(s) for status.
Assembly Payments Sub Wallets API
The Sub-wallets API from Assembly Payments — 9 operation(s) for sub-wallets.
Assembly Payments Token Auth API
The Token Auth API from Assembly Payments — 1 operation(s) for token auth.
Assembly Payments Tools API
The Tools API from Assembly Payments — 1 operation(s) for tools.
Assembly Payments Transaction supplementary data API
The Transaction supplementary data API from Assembly Payments — 1 operation(s) for transaction supplementary data.
Assembly Payments Transactions API
The Transactions API from Assembly Payments — 7 operation(s) for transactions.
Assembly Payments Users API
The Users API from Assembly Payments — 9 operation(s) for users.
Assembly Payments Virtual Accounts API
The Virtual Accounts API from Assembly Payments — 5 operation(s) for virtual accounts.
Assembly Payments Wallet Accounts API
The Wallet Accounts API from Assembly Payments — 7 operation(s) for wallet accounts.
Scroll within the panel for all 31 ·
Agent Skills 5
An agent skill packages the how-to for driving these APIs from an assistant — the prompts, the sequence, the guardrails — so the knowledge to use the API travels with it.
Packaged agent skills for driving this provider's APIs from an AI assistant.
assembly-payments-marketplace-payment
AGENT SKILLassembly-payments-payto-agreement
AGENT SKILLassembly-payments-refund-or-cancel
AGENT SKILLassembly-payments-wallet-payout
AGENT SKILLassembly-payments-webhook-setup
AGENT SKILLPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Assembly Payments Rate Limits
RATE LIMITSSemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Assembly Payments Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Assembly Payments API Rules
SPECTRALJSON Schema 31
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
AgreementDetailsResponse
JSON SCHEMAAmendAgreementDetailsRequest
JSON SCHEMAbank_account_requestBody_au
JSON SCHEMAcallbacks
JSON SCHEMAcharge_requestBody
JSON SCHEMAderegister_pay_id
JSON SCHEMAInitiatePaymentRequest
JSON SCHEMAInitiatePaymentResponse
JSON SCHEMAInitiatePaymentStatusResponse
JSON SCHEMAitem_requestBody
JSON SCHEMAJob
JSON SCHEMAJobs
JSON SCHEMAmake_payment_requestBody
JSON SCHEMAnpp_last_domestic_leg_disbursement
JSON SCHEMAnpp_last_domestic_leg_requestBody
JSON SCHEMApay_id_request
JSON SCHEMApay_id
JSON SCHEMApaymentData
JSON SCHEMAsingle_item
JSON SCHEMAstatus
JSON SCHEMAsupplementaryData
JSON SCHEMAupdate_user_requestBody
JSON SCHEMAupdate_va_status_resp
JSON SCHEMAUpdateWebhookRequestBody
JSON SCHEMAuser_requestBody
JSON SCHEMAValidateAgreementRequest
JSON SCHEMAvirtual_account
JSON SCHEMAvirtual_accounts_list
JSON SCHEMAWebhookRequestBody
JSON SCHEMAWebhook
JSON SCHEMAWebhooks
JSON SCHEMAScroll within the panel for all 31 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Assembly Payments — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 9
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 9 ·
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 5
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/assembly-payments · machine-readable index on apis.io
This is an independent, third-party profile of Assembly Payments, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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