UK Payments
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
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31 providers · 1 standards and regulatory body listed separately below
Strong 3 54.3 – 66.4 Solid contracts, transparent operations, and an easy start.
1
Moneyhub Strong agent ready Open Banking & A2A Payments
Moneyhub is a UK open banking and open finance platform, headquartered in London with offices in Bristol and Ljubljana, that lets banks, pension providers, w...
Composite
61.3
Agent
42.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 61.3/100 · strong
Contract Quality
15.8 / 25
Developer Ergonomics
12.1 / 20
Access Clarity
10.0 / 20
Operational Transparency
6.3 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
12.7 / 15
Agent readiness — 42/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
2
Paymentsense Strong agent ready Gateways & PSPs
Paymentsense is a United Kingdom payment processing company that provides card payment acceptance to small and medium-sized businesses through card machines ...
Composite
58.1
Agent
29.6
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 58.1/100 · strong
Contract Quality
15.1 / 25
Developer Ergonomics
13.2 / 20
Access Clarity
9.2 / 20
Operational Transparency
5.5 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 30/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
3
Dojo Strong agent ready Gateways & PSPs
Dojo is a United Kingdom payments company (Paymentsense trading as Dojo, headquartered in London) that provides card acquiring and payment processing for in-...
Composite
56.2
Agent
35.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 56.2/100 · strong
Contract Quality
16.4 / 25
Developer Ergonomics
12.3 / 20
Access Clarity
7.6 / 20
Operational Transparency
6.8 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Developing 18 39.3 – 54.2 Real signal across most facets with visible, nameable gaps.
4
Yapily Developing agent ready Open Banking & A2A Payments
Yapily is a UK-headquartered Open Banking platform that exposes a single REST API across 2,000+ banks in the UK and 18+ European countries. The platform prov...
Composite
53.5
Agent
37.1
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 53.5/100 · developing
Contract Quality
18.8 / 25
Developer Ergonomics
10.5 / 20
Access Clarity
10.0 / 20
Operational Transparency
4.8 / 13
Contract Governance
3.5 / 12
Discoverability
7.4 / 10
Regulatory · Banking & Open Finance
4.0 / 15
Agent readiness — 37/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
5
Token.io Developing agent ready Open Banking & A2A Payments
Token.io is an Open Banking infrastructure provider offering A2A (Account-to-Account) payments and account information services across Europe. Founded in 201...
Composite
53.3
Agent
34.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 53.3/100 · developing
Contract Quality
16.7 / 25
Developer Ergonomics
16.4 / 20
Access Clarity
10.0 / 20
Operational Transparency
4.8 / 13
Contract Governance
1.2 / 12
Discoverability
5.0 / 10
Regulatory ·
0.0 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
6
Trust Payments Developing agent aware Gateways & PSPs
Trust Payments is a London-headquartered payment gateway and processor (formerly Secure Trading / SecureTrading) operating across the United Kingdom, Europe,...
Composite
52.5
Agent
22.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 52.5/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
14.3 / 20
Access Clarity
9.2 / 20
Operational Transparency
3.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
7
Revolut Developing agent native Cross-Border & Money Movement
Revolut is a global financial technology company providing banking, payments, cards, foreign exchange, savings, and crypto services to retail and business cu...
Composite
52.0
Agent
49.2
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 52.0/100 · developing
Contract Quality
17.6 / 25
Developer Ergonomics
13.6 / 20
Access Clarity
1.6 / 20
Operational Transparency
5.8 / 13
Contract Governance
0.5 / 12
Discoverability
6.3 / 10
Regulatory · Payments
9.4 / 15
Agent readiness — 49/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
8
Primer Developing agent ready Gateways & PSPs
Primer is a payment orchestration platform that enables merchants to build flexible payment flows across multiple processors through a single REST API integr...
Composite
50.7
Agent
36.3
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 50.7/100 · developing
Contract Quality
15.6 / 25
Developer Ergonomics
6.2 / 20
Access Clarity
9.5 / 20
Operational Transparency
8.6 / 13
Contract Governance
3.0 / 12
Discoverability
6.9 / 10
Regulatory · Payments
6.6 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
9
Modulr Developing agent native Embedded Finance & BaaS
Modulr is a United Kingdom-based embedded payments and Banking-as-a-Service platform that lets businesses and software platforms open programmable eMoney acc...
Composite
50.4
Agent
49.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 50.4/100 · developing
Contract Quality
15.8 / 25
Developer Ergonomics
9.6 / 20
Access Clarity
4.2 / 20
Operational Transparency
7.2 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
7.7 / 15
Agent readiness — 50/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
12.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
4 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
10
Cardstream Developing agent aware Gateways & PSPs
Cardstream is an independent United Kingdom payment gateway providing a white-label payment platform that banks, PSPs, ISOs, acquirers and software companies...
Composite
50.0
Agent
25.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 50.0/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
14.3 / 20
Access Clarity
5.0 / 20
Operational Transparency
5.5 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Payments
9.4 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
11
Cashflows Developing agent aware Gateways & PSPs
Cashflows is a United Kingdom payment gateway and card acquirer, headquartered in London and a principal member of Visa and Mastercard, that helps businesses...
Composite
49.4
Agent
22.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 49.4/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
14.3 / 20
Access Clarity
7.6 / 20
Operational Transparency
3.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Payments
9.1 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
12
SumUp Developing agent ready Gateways & PSPs
European mobile payment and POS platform with REST APIs for creating checkout links, managing card readers, processing payments, tracking transactions, and a...
Composite
49.1
Agent
38.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 49.1/100 · developing
Contract Quality
15.2 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
10.0 / 20
Operational Transparency
8.9 / 13
Contract Governance
1.2 / 12
Discoverability
6.9 / 10
Regulatory · Payments
6.6 / 15
Agent readiness — 39/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
13
TrueLayer Developing agent ready Open Banking & A2A Payments
TrueLayer is Europe's leading open banking platform providing unified access to bank data, payments, payouts, refunds, and variable recurring payments across...
Composite
46.2
Agent
35.8
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 46.2/100 · developing
Contract Quality
16.5 / 25
Developer Ergonomics
10.2 / 20
Access Clarity
4.7 / 20
Operational Transparency
2.9 / 13
Contract Governance
3.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
6.1 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
14
GoCardless Developing agent aware Open Banking & A2A Payments
GoCardless is a global account-to-account payments platform specializing in pull-based bank debit (UK Bacs, SEPA Direct Debit, ACH, BECS, PAD, Autogiro) and ...
Composite
45.4
Agent
22.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 45.4/100 · developing
Contract Quality
14.4 / 25
Developer Ergonomics
9.0 / 20
Access Clarity
6.3 / 20
Operational Transparency
4.4 / 13
Contract Governance
1.4 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
7.6 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
15
Form3 Developing agent ready Embedded Finance & BaaS
Form3 is a United Kingdom-headquartered, cloud-native payments technology company offering account-to-account payment processing as a single, unified REST AP...
Composite
45.1
Agent
36.1
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 45.1/100 · developing
Contract Quality
14.6 / 25
Developer Ergonomics
5.6 / 20
Access Clarity
7.4 / 20
Operational Transparency
4.8 / 13
Contract Governance
0.5 / 12
Discoverability
7.0 / 10
Regulatory · Payments
10.8 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth negotiable
7.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
16
Tribe Payments Developing agent ready Issuer-Processors
Tribe Payments is a London, United Kingdom-based payments technology company and issuer/acquirer processor that gives banks, acquirers, and fintechs a modula...
Composite
42.8
Agent
35.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 42.8/100 · developing
Contract Quality
13.1 / 25
Developer Ergonomics
5.6 / 20
Access Clarity
6.3 / 20
Operational Transparency
5.1 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface derived
1.5 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
17
Volt Developing agent ready Open Banking & A2A Payments
Volt is a London-headquartered real-time payments company that operates a global account-to-account (A2A) "pay by bank" network built on open banking rails. ...
Composite
41.8
Agent
36.1
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 41.8/100 · developing
Contract Quality
15.6 / 25
Developer Ergonomics
11.3 / 20
Access Clarity
2.6 / 20
Operational Transparency
5.1 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
4.4 / 15
Agent readiness — 36/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
18
Thredd Developing agent aware Issuer-Processors
Thredd (formerly Global Processing Services / GPS) is a London-headquartered issuer-processor and next-generation payments technology company, founded in 200...
Composite
41.4
Agent
25.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 41.4/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
6.4 / 20
Access Clarity
3.4 / 20
Operational Transparency
5.1 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Payments
10.5 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
19
WorldFirst Developing agent aware Cross-Border & Money Movement
WorldFirst is a United Kingdom-founded cross-border payments and money-movement company, headquartered in London and owned by Ant Group (Alipay) since 2019. ...
Composite
40.6
Agent
22.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 40.6/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
11.9 / 20
Access Clarity
7.6 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
20
Paysend Developing agent aware Cross-Border & Money Movement
Paysend is a London-headquartered global fintech, founded in 2017, building a cross-border digital payments network that moves money to bank accounts, cards,...
Composite
40.2
Agent
25.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 40.2/100 · developing
Contract Quality
10.4 / 25
Developer Ergonomics
12.9 / 20
Access Clarity
3.7 / 20
Operational Transparency
1.4 / 13
Contract Governance
2.2 / 12
Discoverability
6.7 / 10
Regulatory · Payments
8.0 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
21
Wise Developing agent ready Cross-Border & Money Movement
Wise (formerly TransferWise) provides cross-border payments and multi-currency accounts for personal and business customers. The Wise Platform API exposes pr...
Composite
39.4
Agent
42.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 39.4/100 · developing
Contract Quality
16.4 / 25
Developer Ergonomics
4.3 / 20
Access Clarity
4.7 / 20
Operational Transparency
3.4 / 13
Contract Governance
1.4 / 12
Discoverability
5.2 / 10
Regulatory · Banking & Open Finance
4.4 / 15
Agent readiness — 42/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
7.0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Thin 5 26.2 – 39.2 Limited machine-readable signal beyond documentation a human can read.
22
Banked Thin agent aware Open Banking & A2A Payments
Banked is a global account-to-account (A2A) payments network built on open banking that enables real-time pay-by-bank payments for consumers, businesses, and...
Composite
38.9
Agent
28.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 38.9/100 · thin
Contract Quality
10.4 / 25
Developer Ergonomics
9.0 / 20
Access Clarity
3.4 / 20
Operational Transparency
5.8 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
5.1 / 15
Agent readiness — 28/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
12.0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
23
ECOMMPAY Thin agent aware Gateways & PSPs
ECOMMPAY is a London-headquartered international payment service provider and direct card acquirer founded in 2012, authorised by the UK Financial Conduct Au...
Composite
35.1
Agent
25.9
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 35.1/100 · thin
Contract Quality
10.4 / 25
Developer Ergonomics
10.5 / 20
Access Clarity
0.0 / 20
Operational Transparency
2.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
24
Paddle Thin agent aware Billing & Subscriptions
Paddle is a merchant-of-record billing platform for SaaS and digital products. The Paddle Billing API manages the full revenue lifecycle - products, prices, ...
Composite
34.6
Agent
21.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 34.6/100 · thin
Contract Quality
12.7 / 25
Developer Ergonomics
6.2 / 20
Access Clarity
5.8 / 20
Operational Transparency
4.4 / 13
Contract Governance
0.0 / 12
Discoverability
6.9 / 10
Regulatory · Payments
4.2 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
25
Ordo Thin agent ready Open Banking & A2A Payments
Ordo (operated by The Smart Request Company Ltd, ordohq.com / ordopay.com) is a United Kingdom open-banking payments provider that lets businesses collect mo...
Composite
34.5
Agent
30.7
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 34.5/100 · thin
Contract Quality
14.1 / 25
Developer Ergonomics
7.0 / 20
Access Clarity
2.1 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
7.6 / 15
Agent readiness — 31/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
26
takepayments Thin agent aware Gateways & PSPs
takepayments (a trading name of Payzone UK Limited) is a United Kingdom payment gateway and merchant-services provider that lets businesses accept card payme...
Composite
33.9
Agent
9.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 33.9/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
11.9 / 20
Access Clarity
7.9 / 20
Operational Transparency
0.3 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
8.9 / 15
Agent readiness — 9/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Emerging 3 11 – 26.1 More than an index entry but still mostly links rather than artifacts.
27
Checkout.com Emerging agent aware Gateways & PSPs
Checkout.com is a global payment processor offering card acquiring, alternative payments, fraud, and connected accounts via a single API. Direct integrations...
Composite
22.3
Agent
24.4
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 22.3/100 · emerging
Contract Quality
2.7 / 25
Developer Ergonomics
6.2 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 10
Regulatory · Payments
7.7 / 15
Agent readiness — 24/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
29
Zilch Emerging human only Buy Now, Pay Later
Zilch is a London-headquartered "buy now, pay later" and ad-subsidised payments network founded in 2018, and one of the United Kingdom's most prominent BNPL ...
Composite
13.9
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 13.9/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
5.5 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.7 / 10
Regulatory · Payments
4.7 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
30
Curve Emerging human only Gateways & PSPs
Curve is a London-based fintech, founded in 2015 by Shachar Bialick, that consolidates multiple debit and credit cards into a single smart card and mobile wa...
Composite
11.1
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 11.1/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.4 / 20
Access Clarity
4.2 / 20
Operational Transparency
2.1 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Payments
3.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Minimal 2 0 – 10.9 Index entry only; little beyond a description and a link.
31
Rapyd Minimal human only Gateways & PSPs
Rapyd is a global Fintech-as-a-Service network offering collect, disburse, hold, and issue capabilities across 100+ countries with local payment methods, car...
Composite
9.8
Agent
2.5
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 9.8/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
2.4 / 20
Access Clarity
2.6 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.0 / 12
Discoverability
7.2 / 10
Regulatory · Payments
1.4 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
32
Vyne Minimal human only Open Banking & A2A Payments
Vyne was a London-based account-to-account (A2A) open banking payments platform, founded in 2019. It offered merchants real-time pay-by-bank payments, instan...
Composite
1.5
Agent
0.0
Kin Score
How this is scored →scored 2026-09-05 · rubric v0.18.3
Composite quality — 1.5/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Banking & Open Finance
1.1 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Domestic Rails & Schemes 1 The national payment rails and the bodies that write their rules — you join them as a participant, you do not call them as an API.
28
Pay.UK Emerging human only Domestic Rails & Schemes
Pay.UK Limited is the recognised operator and standards body for the United Kingdom's interbank retail payment systems. It runs the domestic rails that move ...
Composite
19.3
Agent
0.0
Kin Score
How this is scored →scored 2026-09-08 · rubric v0.20.0
Composite quality — 19.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.7 / 20
Access Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
6.3 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth
0 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5