aid: payengine
name: PayEngine
description: >-
  PayEngine is an embedded-payments and payment-facilitation platform for vertical market
  SaaS companies, operated by Platform Factory, Inc. It lets a software company offer
  payments to its own customers without building an acquiring stack: PayEngine handles
  merchant onboarding and underwriting, PCI-scoped card and bank-account capture through
  hosted SecureFields and a <pay-engine> web-component library, card and ACH processing
  with 3-D Secure, AVS and Level 2/Level 3 interchange data, network tokenization, Tap to
  Pay and cloud-connected terminals, hosted payment links, subscriptions, disputes,
  settlement and payouts. A gateway-orchestration layer routes across multiple
  processors. The platform is a PCI DSS Level 1 certified Service Provider, listed in
  Visa's Global Registry under Platform Factory, Inc. Integration is REST plus a signed
  webhook surface of 37 documented events; the REST reference itself requires a partner
  login.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
image: https://cdn.prod.website-files.com/64cc25b62ffdab8b077809ed/64f2c783505aa955d658014b_payengine-opengrpah.jpg
url: https://raw.githubusercontent.com/api-evangelist/payengine/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-26'
modified: '2026-08-26'
x-enrichment:
  date: '2026-08-26'
  status: enriched
  artifacts_added: 18
  pass: local-v1
x-coverage:
  state: covered
  detail: >-
    Public developer docs, llms.txt, webhook catalog, AVS code table, PCI evidence,
    packages and status page were all readable and captured. The one wall hit was the
    REST API reference itself, which is behind a partner login at docs-api.payengine.co -
    so no OpenAPI, no operationIds, no test-card table and no per-operation error catalog
    could be read, and skills/, overlays/ and scopes/ are correspondingly absent.
  evidence:
  - url: https://docs.payengine.co/developer-docs
    status: 200
  - url: https://docs.payengine.co/llms.txt
    status: 200
  - url: https://docs-api.payengine.co/openapi.json
    status: 200
  - url: https://api.payengine.co/openapi.json
    status: 400
  checked: '2026-08-26'
tags:
- Payments
- Embedded Payments
- Payment Facilitation
- Merchant Onboarding
- Payment Gateway
- Financial-Services
- ACH
- Tokenization
- Webhook
- Fintech
- Company
tags_raw:
- Payments
- Embedded Payments
- Payment Facilitation
- Merchant Onboarding
- Payment Gateway
- Financial Services
- ACH
- Tokenization
- Webhooks
- Fintech
- Company
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: PayEngine Platform API
  description: >-
    REST API for merchant onboarding, card and ACH transaction processing (auth, sale,
    capture, void, refund, offline and device sale), card and bank-account tokenization,
    gateway orchestration, hosted payment links, subscriptions, disputes and reporting.
    Authenticated server-to-server with an HTTP Basic partner private key; embedded UI is
    authorized with a short-lived merchant session token. The full reference is gated
    behind a partner login.
  humanURL: https://docs.payengine.co/developer-docs
  baseURL: https://api.payengine.co
  tags:
  - Payments
  - Merchant Onboarding
  - Transaction
  tags_raw:
  - Payments
  - Merchant Onboarding
  - Transactions
  properties:
  - type: Documentation
    url: https://docs.payengine.co/developer-docs
  - type: APIReference
    url: https://docs-api.payengine.co/
  - type: GettingStarted
    url: https://docs.payengine.co/developer-docs/getting-started-1/getting-started
  - type: Authentication
    url: authentication/payengine-authentication.yml
  - type: Conventions
    url: conventions/payengine-conventions.yml
  - type: ErrorCatalog
    url: errors/payengine-problem-types.yml
  - type: DeclineCodes
    url: errors/payengine-decline-codes.yml
  - type: DataModel
    url: data-model/payengine-data-model.yml
  - type: Webhooks
    url: asyncapi/payengine-webhooks.yml
  - type: RateLimits
    url: rate-limits/payengine-rate-limits.yml
common:
- type: DomainSecurity
  url: security/payengine-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/payengine-vulnerability-disclosure.yml
- type: Website
  url: https://www.payengine.co/
- type: DeveloperPortal
  url: https://docs.payengine.co/developer-docs
- type: Documentation
  url: https://docs.payengine.co/developer-docs
- type: APIReference
  url: https://docs-api.payengine.co/
- type: GettingStarted
  url: https://docs.payengine.co/developer-docs/getting-started-1/getting-started
- type: Support
  url: https://www.payengine.co/contact-us
- type: Blog
  url: https://www.payengine.co/blog
- type: GitHubOrganization
  url: https://github.com/payengine
- type: Pricing
  url: https://www.payengine.co/pricing
- type: SignUp
  url: https://console.payengine.co/signin
- type: TermsOfService
  url: https://www.payengine.co/terms-of-service
- type: PrivacyPolicy
  url: https://www.payengine.co/privacy-policy
- type: StatusPage
  url: https://status.payengine.co/
- type: Security
  url: https://www.payengine.co/security
- type: Compliance
  url: conformance/payengine-conformance.yml
- type: Conformance
  url: conformance/payengine-conformance.yml
- type: Packages
  url: packages/payengine-packages.yml
- type: SDKs
  url: packages/payengine-packages.yml
- type: LLMsTxt
  url: llms/payengine-llms.txt
- type: Authentication
  url: authentication/payengine-authentication.yml
- type: Conventions
  url: conventions/payengine-conventions.yml
- type: ErrorCatalog
  url: errors/payengine-problem-types.yml
- type: DeclineCodes
  url: errors/payengine-decline-codes.yml
- type: Lifecycle
  url: lifecycle/payengine-lifecycle.yml
- type: Sandbox
  url: sandbox/payengine-sandbox.yml
- type: Components
  url: components/payengine-components.yml
- type: DataModel
  url: data-model/payengine-data-model.yml
- type: Webhooks
  url: asyncapi/payengine-webhooks.yml
- type: Plans
  url: plans/payengine-plans-pricing.yml
- type: RateLimits
  url: rate-limits/payengine-rate-limits.yml