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.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Fat Zebra the way a machine reads it — 40 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 55.7/100 (strong), with a separate agent-readiness read of 35/100 (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 2026-09-08 · rubric v0.20.0
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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 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.
Fat Zebra Acquirer connections API
A merchant's connections to acquirers — board, list, update, enable/disable.
Fat Zebra Acquirers API
The acquirer catalogue this partner may board onto.
Fat Zebra Applicable Surcharge API
The Applicable Surcharge API from Fat Zebra — 1 operation(s) for applicable surcharge.
Fat Zebra Authenticate API
The Authenticate API from Fat Zebra — 3 operation(s) for authenticate.
Fat Zebra Bank Accounts API
The Bank Accounts API from Fat Zebra — 2 operation(s) for bank accounts.
Fat Zebra Batches API
The Batches API from Fat Zebra — 4 operation(s) for batches.
Fat Zebra Chargebacks API
The Chargebacks API from Fat Zebra — 4 operation(s) for chargebacks.
Fat Zebra Credit Cards API
The Credit Cards API from Fat Zebra — 3 operation(s) for credit cards.
Fat Zebra Customers API
The Customers API from Fat Zebra — 3 operation(s) for customers.
Fat Zebra Direct Credits API
The Direct Credits API from Fat Zebra — 3 operation(s) for direct credits.
Fat Zebra Direct Debits API
The Direct Debits API from Fat Zebra — 3 operation(s) for direct debits.
Fat Zebra Disputes API
The Disputes API from Fat Zebra — 1 operation(s) for disputes.
Fat Zebra Fat Zebra Billing API
The Fat Zebra Billing API from Fat Zebra — 1 operation(s) for fat zebra billing.
Fat Zebra Health API
The Health API from Fat Zebra — 2 operation(s) for health.
Fat Zebra Invoice Imports API
The Invoice Imports API from Fat Zebra — 1 operation(s) for invoice imports.
Fat Zebra Invoices API
The Invoices API from Fat Zebra — 2 operation(s) for invoices.
Fat Zebra Merchants API
The Merchants API from Fat Zebra — 7 operation(s) for merchants.
Fat Zebra Oauth Clients API
The Oauth Clients API from Fat Zebra — 1 operation(s) for oauth clients.
Fat Zebra Partner API
The authenticated partner (self).
Fat Zebra Payment Plans API
The Payment Plans API from Fat Zebra — 2 operation(s) for payment plans.
Fat Zebra Paypal API
The Paypal API from Fat Zebra — 15 operation(s) for paypal.
Fat Zebra Purchases API
The Purchases API from Fat Zebra — 11 operation(s) for purchases.
Fat Zebra Refunds API
The Refunds API from Fat Zebra — 3 operation(s) for refunds.
Fat Zebra Reports API
The Reports API from Fat Zebra — 2 operation(s) for reports.
Fat Zebra Settlement API
The Settlement API from Fat Zebra — 1 operation(s) for settlement.
Fat Zebra SSO API
Partner SSO enforcement — read state, enforce, disable.
Fat Zebra Transactions API
The Transactions API from Fat Zebra — 2 operation(s) for transactions.
Fat Zebra Users API
Partner dashboard users — CRUD plus deactivate/reactivate.
Fat Zebra Utilities API
The Utilities API from Fat Zebra — 3 operation(s) for utilities.
Fat Zebra Utlities API
The Utlities API from Fat Zebra — 1 operation(s) for utlities.
Fat Zebra Web Hooks API
The Web Hooks API from Fat Zebra — 2 operation(s) for web hooks.
Scroll within the panel for all 31 ·
Open Collections 4
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).
Fat Zebra Billing
OPEN COLLECTIONFDMS TPP Merchant Onboarding
OPEN COLLECTIONgateway
OPEN COLLECTIONFat Zebra Partner API
OPEN COLLECTIONEvent 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
Other 5
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/fat-zebra · machine-readable index on apis.io
This is an independent, third-party profile of Fat Zebra, 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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