API Evangelist Sector Report
The State of UK Payments APIs
32 UK payment companies scored — the open-banking payment-initiation heartland, and the market that hides its own crown jewels: the FAPI/mTLS security spine invisible in the contracts, scope-consent unpublished by the marquee PIS players, and the brand names that don't lead.
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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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32 providers
Strong 4 60–69.9 Solid contracts, transparent operations, and an easy start.
1
Moneyhub Strong agent native 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
63.0
Agent
70.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 63.0/100 · strong
Contract Quality
15.1 / 25
Developer Ergonomics
13.9 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
8.2 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
15.0 / 15
Agent readiness — 70/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
2
TrueLayer Strong 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
62.6
Agent
59.6
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 62.6/100 · strong
Contract Quality
17.7 / 25
Developer Ergonomics
10.0 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
6.8 / 13
Governance
8.8 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 60/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
3
Form3 Strong agent native 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
61.3
Agent
86.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 61.3/100 · strong
Contract Quality
15.1 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
7.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
15.0 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
4
Token Io Strong 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
60.3
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 60.3/100 · strong
Contract Quality
17.4 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
4.8 / 13
Governance
8.8 / 12
Discoverability
7.5 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Developing 13 45–59.9 Real signal across most facets with visible, nameable gaps.
5
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
59.5
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 59.5/100 · developing
Contract Quality
16.2 / 25
Developer Ergonomics
4.3 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
8.9 / 13
Governance
10.4 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.1 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
6
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
59.4
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 59.4/100 · developing
Contract Quality
18.7 / 25
Developer Ergonomics
9.6 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
4.8 / 13
Governance
10.4 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
5.6 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
7
Volt Developing agent native 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
59.2
Agent
75.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 59.2/100 · developing
Contract Quality
14.8 / 25
Developer Ergonomics
14.3 / 20
Commercial Clarity
10.5 / 20
Operational Transparency
6.2 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
11.7 / 15
Agent readiness — 75/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
8
Dojo Developing agent native 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
57.6
Agent
79.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 57.6/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
17.0 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
6.2 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
10.1 / 15
Agent readiness — 80/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
9
Paymentsense Developing agent native 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
56.7
Agent
71.2
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 56.7/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
10.5 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 71/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
10
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
56.0
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 56.0/100 · developing
Contract Quality
14.4 / 25
Developer Ergonomics
4.3 / 20
Commercial Clarity
10.0 / 20
Operational Transparency
7.5 / 13
Governance
8.8 / 12
Discoverability
10.0 / 10
Regulatory · Payments
9.1 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
11
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
52.7
Agent
86.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 52.7/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
16.1 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
8.6 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
6.9 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
12
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
51.7
Agent
53.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 51.7/100 · developing
Contract Quality
17.4 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
9.5 / 20
Operational Transparency
6.8 / 13
Governance
6.3 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
7.5 / 15
Agent readiness — 54/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
13
Tribe Payments Developing agent native 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
51.0
Agent
79.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 51.0/100 · developing
Contract Quality
15.1 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
6.3 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
8.5 / 15
Agent readiness — 80/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
14
GoCardless Developing agent ready 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
50.5
Agent
54.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 50.5/100 · developing
Contract Quality
15.5 / 25
Developer Ergonomics
6.5 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
4.8 / 13
Governance
6.3 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.8 / 15
Agent readiness — 55/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 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
15
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
48.6
Agent
86.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 48.6/100 · developing
Contract Quality
16.4 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
1.6 / 20
Operational Transparency
6.2 / 13
Governance
0.0 / 12
Discoverability
7.5 / 10
Regulatory · Banking & Open Finance
9.1 / 15
Agent readiness — 87/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
3 / 3
16
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
45.7
Agent
23.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 45.7/100 · developing
Contract Quality
5.7 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
10.5 / 20
Operational Transparency
3.8 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 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
17
ECOMMPAY Developing 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
45.2
Agent
31.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 45.2/100 · developing
Contract Quality
5.7 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
10.5 / 20
Operational Transparency
3.8 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Banking & Open Finance
9.8 / 15
Agent readiness — 32/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
Thin 10 30–44.9 Limited machine-readable signal beyond documentation a human can read.
18
Cashflows Thin 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
43.7
Agent
38.5
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 43.7/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
14.8 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
3.8 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 39/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
19
Cardstream Thin 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
43.2
Agent
31.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 43.2/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
13.0 / 20
Commercial Clarity
6.3 / 20
Operational Transparency
5.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
8.5 / 15
Agent readiness — 32/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
20
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
42.9
Agent
33.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 42.9/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
14.3 / 20
Commercial Clarity
4.7 / 20
Operational Transparency
6.2 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Banking & Open Finance
8.8 / 15
Agent readiness — 34/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 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
4 / 4
Consent & Bot Identity
3 / 3
21
Thredd Thin 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
42.2
Agent
43.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 42.2/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
12.2 / 20
Commercial Clarity
4.7 / 20
Operational Transparency
5.1 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 43/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
22
Checkout.com Thin agent ready 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
41.6
Agent
55.8
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 41.6/100 · thin
Contract Quality
12.8 / 25
Developer Ergonomics
3.9 / 20
Commercial Clarity
7.4 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
10.8 / 15
Agent readiness — 56/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
23
Ordo Thin agent native 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
41.6
Agent
65.4
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 41.6/100 · thin
Contract Quality
13.2 / 25
Developer Ergonomics
11.3 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Banking & Open Finance
8.1 / 15
Agent readiness — 65/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
24
WorldFirst Thin 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
39.9
Agent
23.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 39.9/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
11.7 / 20
Commercial Clarity
8.9 / 20
Operational Transparency
1.0 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 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
25
Paddle Thin agent ready 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
37.9
Agent
48.1
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 37.9/100 · thin
Contract Quality
12.8 / 25
Developer Ergonomics
4.3 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
4.8 / 13
Governance
0.0 / 12
Discoverability
10.0 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 48/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract
15 / 15
MCP Server
0 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
26
Paysend Thin 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
36.1
Agent
43.3
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 36.1/100 · thin
Contract Quality
5.7 / 25
Developer Ergonomics
13.5 / 20
Commercial Clarity
3.7 / 20
Operational Transparency
1.7 / 13
Governance
0.0 / 12
Discoverability
8.0 / 10
Regulatory · Payments
8.5 / 15
Agent readiness — 43/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
9 / 9
Stable Error Semantics
8 / 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
27
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
35.7
Agent
32.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 35.7/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
12.6 / 20
Commercial Clarity
7.9 / 20
Operational Transparency
0.7 / 13
Governance
0.0 / 12
Discoverability
9.3 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 33/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
MCP Server
12 / 12
Machine-Readable Auth
10 / 10
Idempotency
0 / 9
Stable Error Semantics
8 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
4 / 4
Consent & Bot Identity
0 / 3
Emerging 4 15–29.9 More than an index entry but still mostly links rather than artifacts.
28
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
23.3
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 23.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
8.4 / 20
Operational Transparency
1.4 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Payments
8.1 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
4 / 4
Consent & Bot Identity
3 / 3
29
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
20.0
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 20.0/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Commercial Clarity
4.2 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Payments
6.2 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
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
18.5
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 18.5/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
1.3 / 20
Commercial Clarity
6.3 / 20
Operational Transparency
2.1 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
4.6 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
31
Rapyd Emerging 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
17.6
Agent
6.7
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 17.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
0.4 / 20
Commercial Clarity
5.8 / 20
Operational Transparency
3.4 / 13
Governance
0.0 / 12
Discoverability
8.8 / 10
Regulatory · Payments
2.0 / 15
Agent readiness — 7/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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
7 / 7
Typed Event Surface
0 / 6
Agent Skills
0 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
Minimal 1 0–14.9 Index entry only; little beyond a description and a link.
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
7.7
Agent
0.0
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
Composite quality — 7.7/100 · minimal
Contract Quality
0.0 / 25
Developer Ergonomics
0.0 / 20
Commercial Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Governance
0.0 / 12
Discoverability
6.8 / 10
Regulatory · Banking & Open Finance
2.0 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 15
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