Pay.UK
Pay.UK Limited is the recognised operator and standards body for the United Kingdom's interbank retail payment systems. It runs the domestic rails that move most of the money in the UK economy: Bacs (batch Direct Debit and Direct Credit), the Faster Payment System (24/7 real-time account-to-account payments), and the Image Clearing System for cheques, alongside the Current Account Switch Service. On top of the rails it owns industry overlay services including Confirmation of Payee (the API-based account name-checking service that fights Authorised Push Payment fraud) and Request to Pay, and through its Standards Authority it defines UK payments standards and the ISO 20022 migration underpinning the New Payments Architecture. Pay.UK is a scheme and standards operator, not a self-serve API platform: it publishes rulebooks, participation requirements, and ISO 20022 message specifications rather than an open public API, and its technical standards are distributed through the gated Standards Source and Faster Payment System Standards Library portals (single-login, registration required). Confirmation of Payee is a documented, API-based peer-to-peer scheme that participants and approved vendors implement against Pay.UK's technical standards. Home market is the United Kingdom.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Pay.UK the way a machine reads it — 1 machine-readable artifact, 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 — Pay.UK scores 20.0/100 (emerging), with a separate agent-readiness read of 0/100 (human only). 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 Pay.UK
Each block below is one kind of artifact we hold for Pay.UK. 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.
Security 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.
Resources
Every other property we hold for Pay.UK — 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 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Operate 2
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 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/pay-uk · machine-readable index on apis.io