aid: fat-zebra
url: https://raw.githubusercontent.com/api-evangelist/fat-zebra/refs/heads/main/apis.yml
name: Fat Zebra
kind: company
description: Fat Zebra is an Australian payments company (founded 2012, Sydney) providing a card-present
  and card-not-present payment gateway and processing platform for merchants, ISOs, and software platforms
  across Australia and New Zealand. Its API-first Gateway handles Visa, Mastercard, and Amex purchases,
  authorizations and captures, refunds and voids, card tokenization, 3D Secure, recurring payment plans,
  direct debits and direct credits over local bank rails, chargeback handling, batch processing, and hosted
  payment pages (PayNow), alongside wallet acceptance for Apple Pay, Google Pay, and Click to Pay. A separate
  Partner API lets platforms and ISOs create and board their own sub-merchants onto acquirer connections
  programmatically. The developer surface is a genuine, well-documented ReadMe hub at docs.fatzebra.com
  with four downloadable OpenAPI definitions, and the runtime platform is branded pmnts (gateway.pmnts.io).
  Authentication is HTTP Basic using a username and API token.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Payment Gateway
- Payment Processing
- Acquiring
- Card Payments
- Tokenization
- Recurring Billing
- Direct Debit
- Hosted Payment Pages
- Merchant Onboarding
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: fat-zebra:fat-zebra-gateway-api
  name: Fat Zebra Gateway API
  description: The core Fat Zebra payments Gateway — 98 documented operations across 73 paths covering
    purchases, authorizations and captures, refunds and voids, card tokenization (credit_cards), customers
    and bank accounts, direct debits and direct credits, chargebacks, batches, recurring payment plans,
    surcharging, and webhook management. OpenAPI 3.1. Auth is HTTP Basic (username + API token).
  humanURL: https://docs.fatzebra.com/reference/purchases
  baseURL: https://gateway.pmnts.io/v1.0
  tags:
  - Payments
  - Gateway
  - Card Payments
  - Tokenization
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-gateway.json
  - type: Documentation
    url: https://docs.fatzebra.com/docs/purchases-overview
  - type: APIReference
    url: https://docs.fatzebra.com/reference/purchases
  - type: Overlay
    url: overlays/fat-zebra-gateway-overlay.yaml
  - type: Webhooks
    url: asyncapi/fat-zebra-webhooks.yml
- aid: fat-zebra:fat-zebra-partner-api
  name: Fat Zebra Partner API
  description: The Partner (v2) API for ISOs and software platforms to programmatically create and manage
    their own sub-merchants and acquirer connections — 30 operations across 22 paths covering partner
    self/identity, merchant create/board/lifecycle (activate, suspend, cancel), credential rotation, acquirer
    connection management, SSO enforcement, and dashboard users. OpenAPI 3.1. Auth is HTTP Basic (partner
    username + API token). Production, sandbox, and staging environments documented.
  humanURL: https://docs.fatzebra.com/docs/introduction
  baseURL: https://gateway.pmnts.io/v2/partners
  tags:
  - Merchant Onboarding
  - Partner
  - Acquiring
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-partner.json
  - type: Documentation
    url: https://docs.fatzebra.com/docs/introduction
  - type: APIReference
    url: https://docs.fatzebra.com/reference/showself
  - type: Overlay
    url: overlays/fat-zebra-partner-overlay.yaml
- aid: fat-zebra:fat-zebra-billing-api
  name: Fat Zebra Billing API
  description: An early usage-based Billing API (OpenAPI 3.0.3) exposing billing entities and a batch
    usage-record push for metered billing against customers. Documented server is the sandbox host billing.pmnts-sandbox.io.
    Auth is HTTP Basic.
  humanURL: https://docs.fatzebra.com/
  baseURL: https://billing.pmnts-sandbox.io/api/v1/
  tags:
  - Billing
  - Usage Based Billing
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-billing.json
  - type: Documentation
    url: https://docs.fatzebra.com/
  - type: Overlay
    url: overlays/fat-zebra-billing-overlay.yaml
- aid: fat-zebra:fat-zebra-fdms-tpp-merchant-onboarding-api
  name: Fat Zebra FDMS TPP Merchant Onboarding API
  description: A Third-Party Processor (TPP) merchant onboarding API for the FDMS acquiring integration
    (OpenAPI 3.0.3) — create and list merchants and an internal onboard operation. Documented server is
    the sandbox host acquiring-sandbox.fatzebra.com.au. Auth is HTTP Basic.
  humanURL: https://docs.fatzebra.com/
  baseURL: https://acquiring-sandbox.fatzebra.com.au/api/v1
  tags:
  - Merchant Onboarding
  - Acquiring
  properties:
  - type: OpenAPI
    url: openapi/fat-zebra-fdms-tpp-merchant-onboarding.json
  - type: Documentation
    url: https://docs.fatzebra.com/
  - type: Overlay
    url: overlays/fat-zebra-fdms-tpp-merchant-onboarding-overlay.yaml
common:
- type: TrustCenter
  url: security/fat-zebra-trust-center.yml
- type: DomainSecurity
  url: security/fat-zebra-domain-security.yml
- type: AgenticAccess
  url: agentic-access/fat-zebra-agentic-access.yml
- type: Authentication
  url: authentication/fat-zebra-authentication.yml
- type: Website
  url: https://www.fatzebra.com/
- type: DeveloperPortal
  url: https://docs.fatzebra.com/
- type: Documentation
  url: https://docs.fatzebra.com/docs/introduction
- type: APIReference
  url: https://docs.fatzebra.com/reference/purchases
- type: GettingStarted
  url: https://docs.fatzebra.com/docs/getting-started
- type: ChangeLog
  url: https://docs.fatzebra.com/changelog/welcome-to-pmnts
- type: GitHubOrganization
  url: https://github.com/fatzebra
- type: StatusPage
  url: https://status.fatzebra.com/
- type: Pricing
  url: https://www.fatzebra.com/platform/pricing
- type: Blog
  url: https://www.fatzebra.com/company/news
- type: Support
  url: https://www.fatzebra.com/contact/support
- type: Security
  url: https://www.fatzebra.com/security
- type: PrivacyPolicy
  url: https://www.fatzebra.com/privacy-policy
- type: Integrations
  url: https://www.fatzebra.com/platform/integrations
- type: Packages
  url: packages/fat-zebra-packages.yml
- type: SDKs
  url: packages/fat-zebra-packages.yml
- type: WellKnown
  url: well-known/fat-zebra-well-known.yml
- type: MCPServer
  url: mcp/fat-zebra-mcp.yml
- type: ToolCrosswalk
  url: mcp/fat-zebra-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/fat-zebra-llms.txt
- type: Conformance
  url: conformance/fat-zebra-conformance.yml
- type: Compliance
  url: https://docs.fatzebra.com/docs/pci-certification
- type: ErrorCatalog
  url: errors/fat-zebra-problem-types.yml
- type: DeclineCodes
  url: errors/fat-zebra-decline-codes.yml
- type: Lifecycle
  url: lifecycle/fat-zebra-lifecycle.yml
- type: Deprecation
  url: https://docs.fatzebra.com/changelog/welcome-to-pmnts
- type: Sandbox
  url: sandbox/fat-zebra-sandbox.yml
- type: Conventions
  url: conventions/fat-zebra-conventions.yml
- type: Idempotency
  url: conventions/fat-zebra-conventions.yml
- type: Components
  url: components/fat-zebra-components.yml
- type: DataModel
  url: data-model/fat-zebra-data-model.yml
- type: Webhooks
  url: asyncapi/fat-zebra-webhooks.yml
- type: AgentSkill
  url: skills/fat-zebra-accept-a-card-payment.md
  name: Accept a card payment
- type: AgentSkill
  url: skills/fat-zebra-authorize-and-capture.md
  name: Authorize then capture
- type: AgentSkill
  url: skills/fat-zebra-tokenize-and-charge.md
  name: Tokenize a card and charge it
- type: AgentSkill
  url: skills/fat-zebra-board-a-submerchant.md
  name: Board a sub-merchant
- type: ChangeLog
  url: changelog/fat-zebra-changelog.yml
  name: Fat Zebra changelog (structured)
- type: SignUp
  url: https://www.fatzebra.com/contact/sales
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com