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 — 29 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 57.1/100 (developing), with a separate agent-readiness read of 87/100 (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 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 23
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 Accounts API
VoPay's Accounts API — 44 documented operation(s) across 40 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Account Onboarding API
VoPay's Account Onboarding API — 9 documented operation(s) across 9 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Bill Pay API
VoPay's Bill Pay API — 8 documented operation(s) across 8 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Blocked Accounts API
VoPay's Blocked Accounts API — 3 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Branding API
VoPay's Branding API — 6 documented operation(s) across 6 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Client Accounts API
VoPay's Client Accounts API — 41 documented operation(s) across 40 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Contact API
VoPay's Contact API — 15 documented operation(s) across 15 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Convenience Fees API
VoPay's Convenience Fees API — 6 documented operation(s) across 2 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Dispute Management Endpoints API
VoPay's Dispute Management Endpoints API — 11 documented operation(s) across 11 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay eLinx API
VoPay's eLinx API — 5 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay File Conversion API
VoPay's File Conversion API — 8 documented operation(s) across 8 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Global Cash Management API
VoPay's Global Cash Management API — 35 documented operation(s) across 35 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Integrations and Support API
VoPay's Integrations and Support API — 32 documented operation(s) across 32 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay IQ11 API
VoPay's IQ11 API — 8 documented operation(s) across 7 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Payments API
VoPay's Payments API — 1 documented operation(s) across 1 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Payment Methods API
VoPay's Payment Methods API — 51 documented operation(s) across 51 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Payment Rails API
VoPay's Payment Rails API — 85 documented operation(s) across 85 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Ping API
VoPay's Ping API — 3 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Remittance API API
VoPay's Remittance API API — 1 documented operation(s) across 1 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Scheduled Payments API
VoPay's Scheduled Payments API — 6 documented operation(s) across 5 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Transaction Management API
VoPay's Transaction Management API — 7 documented operation(s) across 7 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Verification API
VoPay's Verification API — 13 documented operation(s) across 13 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
VoPay Virtual Accounts API
VoPay's Virtual Accounts API — 6 documented operation(s) across 5 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement.
Scroll within the panel for all 23 ·
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.
vopay-mcp.yml
MCP SERVEREvent 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
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