Fat Zebra
Fat Zebra is an Australian payments company (founded 2012, Sydney) providing a card-present and card-not-present payment gateway and processing platform for merchants, ISOs, and software platforms across Australia and New Zealand. Its API-first Gateway handles Visa, Mastercard, and Amex purchases, authorizations and captures, refunds and voids, card tokenization, 3D Secure, recurring payment plans, direct debits and direct credits over local bank rails, chargeback handling, batch processing, and hosted payment pages (PayNow), alongside wallet acceptance for Apple Pay, Google Pay, and Click to Pay. A separate Partner API lets platforms and ISOs create and board their own sub-merchants onto acquirer connections programmatically. The developer surface is a genuine, well-documented ReadMe hub at docs.fatzebra.com with four downloadable OpenAPI definitions, and the runtime platform is branded pmnts (gateway.pmnts.io). Authentication is HTTP Basic using a username and API token.
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 Fat Zebra the way a machine reads it — 10 machine-readable artifacts across 4 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 — Fat Zebra scores 59.0/100 (developing), with a separate agent-readiness read of 84/100 (agent native). 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 Fat Zebra
Each block below is one kind of artifact we hold for Fat Zebra. 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 4
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.
Fat Zebra Gateway API
The core Fat Zebra payments Gateway — 98 documented operations across 73 paths covering purchases, authorizations and captures, refunds and voids, card tokenization (credit_card...
Fat Zebra Partner API
The Partner (v2) API for ISOs and software platforms to programmatically create and manage their own sub-merchants and acquirer connections — 30 operations across 22 paths cover...
Fat Zebra Billing API
An early usage-based Billing API (OpenAPI 3.0.3) exposing billing entities and a batch usage-record push for metered billing against customers. Documented server is the sandbox ...
Fat Zebra FDMS TPP Merchant Onboarding API
A Third-Party Processor (TPP) merchant onboarding API for the FDMS acquiring integration (OpenAPI 3.0.3) — create and list merchants and an internal onboard operation. Documente...
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
fat-zebra-mcp.yml
MCP SERVEREvent 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.
Fat Zebra Webhooks
ASYNCAPISecurity Posture 3
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 Fat Zebra — 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 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 8
MCP servers, agent skills, and machine-readable catalogs
Scroll within the panel for all 8 ·
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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