VoPay
VoPay is a Vancouver, Canada based fintech offering an API-first embedded finance and payments-as-a-service platform that lets software companies, marketplaces, lenders, and enterprises move money across Canadian and North American bank rails from a single set of REST endpoints. Its Fintech-as-a-Service suite spans EFT, Interac e-Transfer, ACH, RTP/FedNow/FedWire, VoPay Instant, card and digital-wallet payments, cross-border and global cash management, virtual accounts, ledgering, scheduled and recurring payments, bank-account verification (IQ11), KYC/AML onboarding, and dispute management. VoPay ships a genuine public developer portal (docs.vopay.com) with a sandbox, an OpenAPI-backed API reference segmented by product, webhooks for transaction and account events, and API-key-plus-shared-secret signature authentication with IP whitelisting. Its home market is Canada, where it operates as an API-native money-movement layer over Interac and Payments Canada rails.
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 VoPay the way a machine reads it — 89 machine-readable artifacts across 23 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 — VoPay scores 51.9/100 (developing), with a separate agent-readiness read of 39/100 (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 VoPay
Each block below is one kind of artifact we hold for VoPay. 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 61
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.
VoPay Account Endpoints API
The Account Endpoints API from VoPay — 20 operation(s) for account endpoints.
VoPay Account Onboarding Endpoints API
The Account Onboarding Endpoints API from VoPay — 7 operation(s) for account onboarding endpoints.
VoPay Account Verification Endpoints API
The Account Verification Endpoints API from VoPay — 5 operation(s) for account verification endpoints.
VoPay ACH Endpoints API
The ACH Endpoints API from VoPay — 10 operation(s) for ach endpoints.
VoPay API Key Endpoints API
The API Key Endpoints API from VoPay — 10 operation(s) for api key endpoints.
VoPay Bank Account Endpoints API
The Bank Account Endpoints API from VoPay — 6 operation(s) for bank account endpoints.
VoPay Batch Request Endpoints API
The Batch Request Endpoints API from VoPay — 17 operation(s) for batch request endpoints.
VoPay Bill Pay Endpoints API
The Bill Pay Endpoints API from VoPay — 8 operation(s) for bill pay endpoints.
VoPay Blocked Accounts API
The Blocked Accounts API from VoPay — 3 operation(s) for blocked accounts.
VoPay Branding Endpoints API
The Branding Endpoints API from VoPay — 6 operation(s) for branding endpoints.
VoPay Client Account Auto Balance Transfer Endpoints API
The Client Account Auto Balance Transfer Endpoints API from VoPay — 4 operation(s) for client account auto balance transfer endpoints.
VoPay Client Account Creation Endpoints API
The Client Account Creation Endpoints API from VoPay — 4 operation(s) for client account creation endpoints.
VoPay Client Account Labels Endpoints API
The Client Account Labels Endpoints API from VoPay — 3 operation(s) for client account labels endpoints.
VoPay Client Account Management Endpoints API
The Client Account Management Endpoints API from VoPay — 8 operation(s) for client account management endpoints.
VoPay Client Account Notes Endpoints API
The Client Account Notes Endpoints API from VoPay — 4 operation(s) for client account notes endpoints.
VoPay Client Account Transfer Endpoints API
The Client Account Transfer Endpoints API from VoPay — 10 operation(s) for client account transfer endpoints.
VoPay Client Account Wallets Endpoints API
The Client Account Wallets Endpoints API from VoPay — 7 operation(s) for client account wallets endpoints.
VoPay Contact Endpoints API
The Contact Endpoints API from VoPay — 8 operation(s) for contact endpoints.
VoPay Contact Labels Endpoints API
The Contact Labels Endpoints API from VoPay — 3 operation(s) for contact labels endpoints.
VoPay Contact Notes Endpoints API
The Contact Notes Endpoints API from VoPay — 4 operation(s) for contact notes endpoints.
VoPay Contact Verification Endpoints API
The Contact Verification Endpoints API from VoPay — 8 operation(s) for contact verification endpoints.
VoPay Convenience Fees API
The Convenience Fees API from VoPay — 2 operation(s) for convenience fees.
VoPay Credit Card Endpoints API
The Credit Card Endpoints API from VoPay — 8 operation(s) for credit card endpoints.
VoPay Debit Card Endpoints API
The Debit Card Endpoints API from VoPay — 9 operation(s) for debit card endpoints.
VoPay Delivery Channel Endpoints API
The Delivery Channel Endpoints API from VoPay — 3 operation(s) for delivery channel endpoints.
VoPay Delivery Method Endpoints API
The Delivery Method Endpoints API from VoPay — 5 operation(s) for delivery method endpoints.
VoPay Digital Wallet Endpoints API
The Digital Wallet Endpoints API from VoPay — 16 operation(s) for digital wallet endpoints.
VoPay Dispute Management Endpoints API
The Dispute Management Endpoints API from VoPay — 11 operation(s) for dispute management endpoints.
VoPay Document Endpoints API
The Document Endpoints API from VoPay — 2 operation(s) for document endpoints.
VoPay EFT Endpoint API
The EFT Endpoint API from VoPay — 14 operation(s) for eft endpoint.
VoPay eLinx Endpoints API
The eLinx Endpoints API from VoPay — 3 operation(s) for elinx endpoints.
VoPay Embedded Experience Endpoints API
The Embedded Experience Endpoints API from VoPay — 2 operation(s) for embedded experience endpoints.
VoPay Fednow Endpoints API
The Fednow Endpoints API from VoPay — 2 operation(s) for fednow endpoints.
VoPay Fedwire Endpoints API
The Fedwire Endpoints API from VoPay — 6 operation(s) for fedwire endpoints.
VoPay File Conversion Endpoints API
The File Conversion Endpoints API from VoPay — 8 operation(s) for file conversion endpoints.
VoPay Government Identifier Endpoints API
The Government Identifier Endpoints API from VoPay — 4 operation(s) for government identifier endpoints.
VoPay Integration Endpoints API
The Integration Endpoints API from VoPay — 4 operation(s) for integration endpoints.
VoPay Interac Endpoints API
The Interac Endpoints API from VoPay — 14 operation(s) for interac endpoints.
VoPay IQ11 Data Enrichment Endpoints API
The IQ11 Data Enrichment Endpoints API from VoPay — 2 operation(s) for iq11 data enrichment endpoints.
VoPay IQ11 Endpoints API
The IQ11 Endpoints API from VoPay — 5 operation(s) for iq11 endpoints.
VoPay Journal Entry Endpoints API
The Journal Entry Endpoints API from VoPay — 5 operation(s) for journal entry endpoints.
VoPay Partner Endpoints API
The Partner Endpoints API from VoPay — 14 operation(s) for partner endpoints.
VoPay Payments API
The Payments API from VoPay — 1 operation(s) for payments.
VoPay PayPal Endpoints API
The PayPal Endpoints API from VoPay — 8 operation(s) for paypal endpoints.
VoPay Ping Endpoints API
The Ping Endpoints API from VoPay — 3 operation(s) for ping endpoints.
VoPay Recipient Contact Endpoints API
The Recipient Contact Endpoints API from VoPay — 5 operation(s) for recipient contact endpoints.
VoPay Recipient Lookup Endpoints API
The Recipient Lookup Endpoints API from VoPay — 4 operation(s) for recipient lookup endpoints.
VoPay Remittance Endpoints API
The Remittance Endpoints API from VoPay — 1 operation(s) for remittance endpoints.
VoPay RTP Endpoints API
The RTP Endpoints API from VoPay — 2 operation(s) for rtp endpoints.
VoPay Scheduled Payments API
The Scheduled Payments API from VoPay — 5 operation(s) for scheduled payments.
VoPay SEPA Endpoints API
The SEPA Endpoints API from VoPay — 2 operation(s) for sepa endpoints.
VoPay Sub-Account Endpoints API
The Sub-Account Endpoints API from VoPay — 6 operation(s) for sub-account endpoints.
VoPay Support Endpoints API
The Support Endpoints API from VoPay — 8 operation(s) for support endpoints.
VoPay Transaction Management Endpoints API
The Transaction Management Endpoints API from VoPay — 7 operation(s) for transaction management endpoints.
VoPay Venmo Endpoints API
The Venmo Endpoints API from VoPay — 8 operation(s) for venmo endpoints.
VoPay Virtual Account Endpoints API
The Virtual Account Endpoints API from VoPay — 5 operation(s) for virtual account endpoints.
VoPay Vopay Instant Endpoints API
The Vopay Instant Endpoints API from VoPay — 3 operation(s) for vopay instant endpoints.
VoPay Watchlist Endpoints API
The Watchlist Endpoints API from VoPay — 4 operation(s) for watchlist endpoints.
VoPay Webhook Endpoints API
The Webhook Endpoints API from VoPay — 10 operation(s) for webhook endpoints.
VoPay Withdraw Endpoints API
The Withdraw Endpoints API from VoPay — 8 operation(s) for withdraw endpoints.
VoPay Zelle Endpoints API
The Zelle Endpoints API from VoPay — 6 operation(s) for zelle endpoints.
Scroll within the panel for all 61 ·
Open Collections 23
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).
Accounts
OPEN COLLECTIONAccount Onboarding
OPEN COLLECTIONBill Pay
OPEN COLLECTIONBlocked Accounts
OPEN COLLECTIONBranding
OPEN COLLECTIONClient Accounts
OPEN COLLECTIONContact
OPEN COLLECTIONConvenience Fees
OPEN COLLECTIONDispute Management Endpoints
OPEN COLLECTIONeLinx
OPEN COLLECTIONFile Conversion
OPEN COLLECTIONGlobal Cash Management
OPEN COLLECTIONIntegrations and Support
OPEN COLLECTIONIQ11
OPEN COLLECTIONPayments
OPEN COLLECTIONPayment Methods
OPEN COLLECTIONPayment Rails
OPEN COLLECTIONPing
OPEN COLLECTIONRemittance API
OPEN COLLECTIONScheduled Payments
OPEN COLLECTIONTransaction Management
OPEN COLLECTIONverification
OPEN COLLECTIONVirtual Accounts
OPEN COLLECTIONScroll within the panel for all 23 ·
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.
VoPay Webhooks
VoPay webhook (event notification) surface. VoPay delivers 24 event types via HTTP POST to the URL configured with account/webhook-url or partner/webhook-url. Every payload carr...
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 VoPay — 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 7
MCP servers, agent skills, and machine-readable catalogs
Scroll within the panel for all 7 ·
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Build 3
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 3
Pricing, plans, and the legal terms of use
Company 3
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/vopay · machine-readable index on apis.io
This is an independent, third-party profile of VoPay, 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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