BitPay
BitPay is a cryptocurrency payment processing platform offering REST APIs for accepting Bitcoin and altcoin payments, creating invoices, managing refunds, processing payouts, and accessing settlement and ledger data. BitPay handles cryptocurrency conversion and fiat settlement to bank accounts and crypto wallets.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles BitPay the way a machine reads it — 24 machine-readable artifacts across 13 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 — BitPay scores 51.3/100 (developing), with a separate agent-readiness read of 54/100 (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.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile BitPay
Each block below is one kind of artifact we hold for BitPay. 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 13
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.
BitPay Bills API
Manage payment requests sent to specific buyers with fixed-price line items typically denominated in fiat currency. Supports email billing and recurring payment scheduling via s...
BitPay Payouts API
Submit cryptocurrency withdrawal payments to active BitPay recipients for customer payouts, marketplace disbursements, affiliate networks, and payroll processing.
BitPay Refunds API
Process full or partial refunds associated with invoices. Supports automatic handling of underpaid and overpaid amounts with cryptocurrency refund workflows.
BitPay Settlements API
Access transfer reports documenting payment profits settled from BitPay to merchant bank accounts and cryptocurrency wallets. Supports USD, EUR, GBP, CAD, AUD, NZD, MXN, and maj...
BitPay Rates API
Retrieve exchange rate data representing fiat currency equivalents per cryptocurrency unit. Supports BTC, ETH, BCH, XRP, DOGE, and stablecoins against major fiat currencies.
BitPay Ledgers API
Access account balance records by currency and track individual ledger entries. Provides accounting data for merchant financial reconciliation.
BitPay Bills API
Manage payment requests sent to specific buyers with fixed-price line items.
BitPay Invoices API
Create and manage time-sensitive payment requests with fixed prices in fiat or cryptocurrency.
BitPay Ledgers API
Access account balance records by currency and track individual ledger entries.
BitPay Payouts API
Submit cryptocurrency withdrawal payments to active BitPay recipients.
BitPay Rates API
Retrieve exchange rate data representing fiat currency equivalents per cryptocurrency unit.
BitPay Refunds API
Process full or partial refunds associated with invoices.
BitPay Settlements API
Access transfer reports documenting payment profits settled from BitPay.
Scroll within the panel for all 13 ·
Pricing 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 six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Plans
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.
Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Finops
FINOPSSemantic 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.
Bitpay 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.
BitPay API Rules
SPECTRALJSON Schema 2
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.
BitPay Invoice
JSON SCHEMABitPay Payout
JSON SCHEMAExamples 2
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Create Invoice
EXAMPLECreate Payout
EXAMPLESecurity Posture 1
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.
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 BitPay — 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 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 1
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/bitpay · machine-readable index on apis.io