ProcessOut
ProcessOut is a payments technical layer and orchestration platform that standardizes how merchants connect to 100+ payment providers (PSPs and alternative payment methods). It provides a PCI DSS card vault, tokenization for recurring and one-click payments, dynamic no-code checkout, ML-based smart routing to lift authorization rates and cut cost, plus analytics and transaction reconciliation. The REST API (https://api.processout.com) authenticates with HTTP Basic project keys, supports idempotency keys and webhooks, and ships first-party SDKs for Node.js, Python, Ruby, PHP and Go plus client-side ProcessOut.js and iOS/Android. A hosted MCP server exposes the API and docs to AI agents. Originally a Techstars company, ProcessOut is now part of Checkout.com.
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 ProcessOut the way a machine reads it — 17 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 — ProcessOut scores 59.3/100 (developing), with a separate agent-readiness read of 90/100 (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 ProcessOut
Each block below is one kind of artifact we hold for ProcessOut. 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.
ProcessOut Balances API
The Balances API from ProcessOut — 1 operation(s) for balances.
ProcessOut Cards API
The Cards API from ProcessOut — 2 operation(s) for cards.
ProcessOut Customers API
The Customers API from ProcessOut — 3 operation(s) for customers.
ProcessOut Events API
The Events API from ProcessOut — 1 operation(s) for events.
ProcessOut Invoices API
The Invoices API from ProcessOut — 6 operation(s) for invoices.
ProcessOut Network Tokens API
The Network Tokens API from ProcessOut — 1 operation(s) for network tokens.
ProcessOut Payouts API
The Payouts API from ProcessOut — 3 operation(s) for payouts.
ProcessOut Projects API
The Projects API from ProcessOut — 1 operation(s) for projects.
ProcessOut Transactions API
The Transactions API from ProcessOut — 1 operation(s) for transactions.
ProcessOut Uploads API
The Uploads API from ProcessOut — 3 operation(s) for uploads.
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.
processout-mcp.yml
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.
Processout 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.
Processout 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 ProcessOut — 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 3
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
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 3
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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