PayMongo
PayMongo is a Philippine payments platform that lets businesses accept online payments via cards, GCash, Maya (PayMaya), GrabPay, ShopeePay, QR Ph, BillEase buy-now-pay-later, and direct online banking. Its REST API is built around the Payment Intent / Payment Method workflow with hosted Checkout Sessions, Payment Links, Customers, Refunds, Subscriptions, and signed Webhooks. Amounts are integers in centavos and PHP is the settlement currency; PayMongo is a PCI DSS Level 1 Service Provider.
Reference-quality API operations across every facet — a rich contract, published governance, transparent operations, and machine-readable commercial terms.
API Evangelist profiles PayMongo the way a machine reads it — 20 machine-readable artifacts across 10 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 — PayMongo scores 73.5/100 (exemplar), with a separate agent-readiness read of 82/100 (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 PayMongo
Each block below is one kind of artifact we hold for PayMongo. 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 10
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.
PayMongo Checkout Sessions API
The Checkout Sessions API from PayMongo — 3 operation(s) for checkout sessions.
PayMongo Customers API
The Customers API from PayMongo — 2 operation(s) for customers.
PayMongo Payment Intents API
The Payment Intents API from PayMongo — 3 operation(s) for payment intents.
PayMongo Payment Links API
The Payment Links API from PayMongo — 2 operation(s) for payment links.
PayMongo Payment Methods API
The Payment Methods API from PayMongo — 2 operation(s) for payment methods.
PayMongo Payments API
The Payments API from PayMongo — 2 operation(s) for payments.
PayMongo QR Ph API
The QR Ph API from PayMongo — 1 operation(s) for qr ph.
PayMongo Refunds API
The Refunds API from PayMongo — 2 operation(s) for refunds.
PayMongo Sources API
The Sources API from PayMongo — 2 operation(s) for sources.
PayMongo Webhooks API
The Webhooks API from PayMongo — 4 operation(s) for webhooks.
Scroll within the panel for all 10 ·
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.
paymongo-mcp.yml
MCP SERVERPricing 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.
Rate 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.
Paymongo 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.
Paymongo Finops
FINOPSEvent 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.
Paymongo Webhooks
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 PayMongo — 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 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 4
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 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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