Simplifi/Simplifipay
SimpliFi (simplifipay.com) is a Cards-as-a-Service platform powering virtual and physical card programs for fintechs, startups, and enterprises across the GCC (UAE, Saudi Arabia, Kuwait, Bahrain, Oman, Qatar). Regulated by the Dubai Financial Services Authority (DFSA), SimpliFi offers off-the-shelf and fully customizable card programs with multi-currency support (50+ currencies), digital-wallet enablement (Apple/Google/Samsung Pay), programmable authorization, velocity, and merchant controls, and real-time transaction and fraud monitoring. Its developer platform exposes a JWT-authenticated REST API (card programs, funding sources, cards, users, transactions, fees, rule groups, and webhook management) on an asynchronous, webhook-driven architecture, plus a PCI-DSS-compliant Virtual Card SDK for securely displaying card data. Surfaced as a 500 Global portfolio company and enriched by the API Evangelist pipeline.
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 Simplifi/Simplifipay the way a machine reads it — 23 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 — Simplifi/Simplifipay scores 53.1/100 (developing), with a separate agent-readiness read of 30/100 (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 Simplifi/Simplifipay
Each block below is one kind of artifact we hold for Simplifi/Simplifipay. 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 9
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.
Simplifi/Simplifipay Auth API
The Auth API from Simplifi/Simplifipay — 2 operation(s) for auth.
Simplifi/Simplifipay Card API
The Card API from Simplifi/Simplifipay — 12 operation(s) for card.
Simplifi/Simplifipay Card Program API
The Card Program API from Simplifi/Simplifipay — 9 operation(s) for card program.
Simplifi/Simplifipay Document API
The Document API from Simplifi/Simplifipay — 2 operation(s) for document.
Simplifi/Simplifipay Fee API
The Fee API from Simplifi/Simplifipay — 5 operation(s) for fee.
Simplifi/Simplifipay Funding Source API
The Funding Source API from Simplifi/Simplifipay — 6 operation(s) for funding source.
Simplifi/Simplifipay Transaction API
The Transaction API from Simplifi/Simplifipay — 3 operation(s) for transaction.
Simplifi/Simplifipay User API
The User API from Simplifi/Simplifipay — 4 operation(s) for user.
Simplifi/Simplifipay Webhook API
The Webhook API from Simplifi/Simplifipay — 4 operation(s) for webhook.
Scroll within the panel for all 9 ·
Open Collections 10
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 COLLECTIONSimpliFi Cards Auth API
OPEN COLLECTIONSimpliFi Cards Auth Card API
OPEN COLLECTIONSimpliFi Cards Auth Card Program API
OPEN COLLECTIONSimpliFi Cards Auth Document API
OPEN COLLECTIONSimpliFi Cards Auth Fee API
OPEN COLLECTIONSimpliFi Cards Auth Funding Source API
OPEN COLLECTIONSimpliFi Cards Auth Transaction API
OPEN COLLECTIONSimpliFi Cards Auth User API
OPEN COLLECTIONSimpliFi Cards Auth Webhook API
OPEN COLLECTIONScroll within the panel for all 10 ·
Event 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.
SimpliFi Webhooks
Outbound webhook events SimpliFi delivers to a client-configured HTTPS endpoint. Async model: an API call returns 2xx/202 on receipt; the outcome arrives here. Each delivery car...
ASYNCAPISecurity Posture 2
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 Simplifi/Simplifipay — 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 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 1
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/simplifi-simplifipay · machine-readable index on apis.io
This is an independent, third-party profile of Simplifi/Simplifipay, 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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