Finix
Finix is a full-stack payments technology provider that lets software platforms, marketplaces, and merchants accept and send payments online and in person. The Finix API is a HAL/HATEOAS REST API (HTTP Basic authentication per RFC 7617, date-based Finix-Version header, cursor pagination, idempotency_id) covering Identities, Merchants, Payment Instruments, Authorizations, Transfers, Settlements, Disputes, Fee Profiles, Verifications, Onboarding Forms, Devices, Balance Transfers, Split Transfers, and Webhooks, plus low-code Checkout, Payment Links, Subscriptions, and Payouts. It is Level 1 PCI DSS certified with finix.js browser tokenization, native iOS/Android SDKs, and official Python, Node.js, Java, and PHP client libraries. This profile was enriched from Finix's own public developer surface.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles Finix the way a machine reads it — 70 machine-readable artifacts across 1 API, 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 — Finix scores 66.8/100 (exemplar), with a separate agent-readiness read of 39/100 (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. 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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alt="Finix Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
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title="Finix on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/finix/card.svg"
alt="Finix Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Finix
Each block below is one kind of artifact we hold for Finix. 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 19
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.
Finix Authorizations API
{'$ref': 'api-descriptions/tags/authorizations.md'}
Finix Balance Transfers API
{'$ref': 'api-descriptions/tags/balance-transfers.md'}
Finix Compliance Forms API
{'$ref': 'api-descriptions/tags/compliance-forms.md'}
Finix Devices API
{'$ref': 'api-descriptions/tags/devices.md'}
Finix Disputes API
{'$ref': 'api-descriptions/tags/disputes.md'}
Finix Fee Profiles API
{'$ref': 'api-descriptions/tags/fee-profiles.md'}
Finix Files API
{'$ref': 'api-descriptions/tags/files.md'}
Finix Identities API
{'$ref': 'api-descriptions/tags/identities.md'}
Finix Instrument Updates API
{'$ref': 'api-descriptions/tags/instrument-updates.md'}
Finix Merchant Profiles API
{'$ref': 'api-descriptions/tags/merchant-profiles.md'}
Finix Merchants API
{'$ref': 'api-descriptions/tags/merchants.md'}
Finix Onboarding Forms API
{'$ref': 'api-descriptions/tags/onboarding-forms.md'}
Finix Payment Instruments API
{'$ref': 'api-descriptions/tags/payment-instruments.md'}
Finix Payout Profiles API
{'$ref': 'api-descriptions/tags/payout-profiles.md'}
Finix Settlements API
{'$ref': 'api-descriptions/tags/settlements.md'}
Finix Split Transfers API
{'$ref': 'api-descriptions/tags/split-transfers.md'}
Finix Transfers API
{'$ref': 'api-descriptions/tags/transfers.md'}
Finix Verifications API
{'$ref': 'api-descriptions/tags/verifications.md'}
Finix Webhooks API
{'$ref': 'api-descriptions/tags/webhooks.md'}
Scroll within the panel for all 19 ·
Postman Collections 19
A runnable collection turns the contract into something a developer can execute in seconds. We profile them because the fastest way to trust an API is to make a real call against it.
Ready-to-run Postman collections for exercising this provider's APIs.
Finix Authorizations API
POSTMANScroll within the panel for all 19 ·
Open Collections 20
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).
API Collection
OPEN COLLECTIONFinix Authorizations API
OPEN COLLECTIONFinix Authorizations Balance Transfers API
OPEN COLLECTIONFinix Authorizations Compliance Forms API
OPEN COLLECTIONFinix Authorizations Devices API
OPEN COLLECTIONFinix Authorizations Disputes API
OPEN COLLECTIONFinix Authorizations Fee Profiles API
OPEN COLLECTIONFinix Authorizations Files API
OPEN COLLECTIONFinix Authorizations Identities API
OPEN COLLECTIONFinix Authorizations Instrument Updates API
OPEN COLLECTIONFinix Authorizations Merchant Profiles API
OPEN COLLECTIONFinix Authorizations Merchants API
OPEN COLLECTIONFinix Authorizations Onboarding Forms API
OPEN COLLECTIONFinix Authorizations Payment Instruments API
OPEN COLLECTIONFinix Authorizations Payout Profiles API
OPEN COLLECTIONFinix Authorizations Settlements API
OPEN COLLECTIONFinix Authorizations Split Transfers API
OPEN COLLECTIONFinix Authorizations Transfers API
OPEN COLLECTIONFinix Authorizations Verifications API
OPEN COLLECTIONFinix Authorizations Webhooks API
OPEN COLLECTIONScroll within the panel for all 20 ·
Arazzo Workflows 4
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
Finix Authorize and Capture
Create a buyer Identity and card, place an Authorization, then capture it.
ARAZZOFinix Onboard Merchant
Create a merchant Identity, attach a bank account, provision the Merchant, and run verification.
ARAZZOFinix Tokenize and Charge
Convert a finix.js token into a Payment Instrument and create a Transfer (sale).
ARAZZOMCP 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.
Finix MCP Server
Finix's official remote MCP server (HTTP transport, no auth) exposes live Finix documentation and OpenAPI to MCP clients via tools search, list-apis, get-endpoints, get-endpoint...
MCP SERVERRate 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.
Finix 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.
Finix Webhook Events
Finix delivers real-time event notifications via webhooks (HTTP POST) when resources change. Subscribe with POST /webhooks. Each delivery carries an envelope { id, type, entity,...
ASYNCAPISecurity Posture 4
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 Finix — 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 3
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 13
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 13 ·
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/finix · machine-readable index on apis.io
This is an independent, third-party profile of Finix, 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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