Azupay
Azupay is an Australian real-time payments company that moves money over the New Payments Platform (NPP), the account-to-account rails operated by Australian Payments Plus. It is API-first: merchants and platforms embed Azupay to receive payments via PayID (AzupayId), send outbound payments to a PayID or BSB/account number (AzupayOut), and collect recurring or on-demand debits through PayTo mandates and payment agreements (AzupayTo). Azupay also offers Confirmation of Payee (CoP) account checks and PayID enquiry to reduce misdirected-payment and fraud risk, batch/file (ABA and SFTP) processing for bulk payouts and collections, reporting, balance management, sub-client and API-key management, and hosted UX apps (Pay by Bank, Disbursements, Subscriptions). Its public developer portal documents a REST API at api.azupay.com.au/v1 with a UAT environment, authenticated by API key (secret and distributable keys in the Authorization header) with OAuth 2.0 client-credentials available as an additional server-to-server option, plus webhooks for asynchronous payment status. Home market is Australia; the surface is genuinely self-serve and documented, though production access and some capabilities (sub-clients, OAuth2) are enabled per client by Azupay.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Azupay the way a machine reads it — 67 machine-readable artifacts across 6 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 — Azupay scores 61.7/100 (strong), with a separate agent-readiness read of 58/100 (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 2026-10-17 · rubric v0.24.0
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How we profile Azupay
Each block below is one kind of artifact we hold for Azupay. 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 10
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.
Azupay API Keys API
Manage API keys for your clients.
Azupay Billing and Transaction Reports API
Fetch transaction, billing and other reports.
Azupay Check Accounts API
Before you submit a Payment you can validate if the PayID or BSB account of the recipient exists and is eligible to receive payments.
Azupay Clients API
Would let you manage clients
Azupay Current Balances API
Obtain current dollar balances for Azupay products
Azupay Payment Agreement API
This API allows you to request Payments using mandates.
Azupay Payment Agreement Request API
This API generates a link to a one-time UX experience that enables payers to create and approve a PayTo Agreement, facilitating the setup of recurring payments through the Payme...
Azupay Payment API
This API allows you to make outbound payments to PayID or NPP enabled BSB accounts.
Azupay Payment Initiation API
This API allows you to initiate Payments using mandates.
Azupay Payment Request API
This API allows your customers to make payments using PayID on your website, mobile app or over the counter.
Scroll within the panel for all 10 ·
Open Collections 6
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Azupay Check Accounts API
OPEN COLLECTIONAzupay Configuration API
OPEN COLLECTIONAzupay Payment Agreement API
OPEN COLLECTIONAzupay Payment Request API
OPEN COLLECTIONAzupay Payment API
OPEN COLLECTIONAzupay Reports & Balance API
OPEN COLLECTIONPricing 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.
Azupay Plans Pricing
PLANSRate 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.
Azupay Rate Limits
RATE LIMITSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Azupay Webhooks
ASYNCAPISemantic 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.
Azupay 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.
Azupay API Rules
SPECTRALJSON Schema 42
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.
AccountCheckObj
JSON SCHEMAAccountCheckResponseObj
JSON SCHEMAAccountStatusExtraForPayIdObj
JSON SCHEMAAccountStatusObj
JSON SCHEMAApiKeyUpdateObj
JSON SCHEMAapiKeysProvisionObj
JSON SCHEMAapiKeysProvisionResponseObj
JSON SCHEMABalanceObj
JSON SCHEMABSBEnquiryObj
JSON SCHEMAClientObj
JSON SCHEMAEnableOAuth2ResponseObj
JSON SCHEMAGetApiKeyResponseObj
JSON SCHEMAGetOAuth2ResponseObj
JSON SCHEMALowBalanceEmailAddresses
JSON SCHEMALowBalanceThreshold
JSON SCHEMAnextPageIdResponse
JSON SCHEMAPayIDEnquiryObj
JSON SCHEMAPaymentAgreementAmendmentObj
JSON SCHEMAPaymentAgreementAmendmentStatusObj
JSON SCHEMAPaymentAgreementObj
JSON SCHEMAPaymentAgreementRequestObj
JSON SCHEMAPaymentAgreementRequestStatusObj
JSON SCHEMAPaymentAgreementSearchObj
JSON SCHEMAPaymentAgreementStatusObj
JSON SCHEMAPaymentInitiationObj
JSON SCHEMAPaymentInitiationSearchObj
JSON SCHEMAPaymentInitiationSearchResponseObj
JSON SCHEMAPaymentInitiationStatusObj
JSON SCHEMAPaymentObj
JSON SCHEMAPaymentRequestObj
JSON SCHEMAPaymentRequestSearchObj
JSON SCHEMAPaymentRequestSearchResponseObj
JSON SCHEMAPaymentRequestStatusObj
JSON SCHEMAPaymentSchedulerResponse
JSON SCHEMAPaymentSearchObj
JSON SCHEMAPaymentSearchResponseObj
JSON SCHEMAPaymentStatusObj
JSON SCHEMArecordCount
JSON SCHEMAReportLinkModel
JSON SCHEMAReportListModel
JSON SCHEMASetLowBalanceEmailAddresses
JSON SCHEMASetLowBalanceThreshold
JSON SCHEMAScroll within the panel for all 42 ·
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 Azupay — 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 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 12
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 12 ·
Access & Security 4
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 2
The organization behind the API
Other 9
Properties that don't map to a standard resource type
Scroll within the panel for all 9 ·
← All providers · Data indexed from github.com/api-evangelist/azupay · machine-readable index on apis.io
This is an independent, third-party profile of Azupay, 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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