aid: paymentus
url: https://raw.githubusercontent.com/api-evangelist/paymentus/refs/heads/main/apis.yml
name: Paymentus
kind: company
description: >-
  Paymentus (NYSE: PAY) is a Addison, Texas-based cloud billing and payment
  technology company founded in 2004 that operates one of the largest electronic
  bill presentment and payment (EBPP) networks in North America. Its Intelligent
  Payment Platform, Instant Payment Network (IPN), BillWallet, and Profit by
  Paymentus (AP/AR) products let utilities, government agencies, insurers,
  telecom, healthcare, higher education, and financial institutions accept and
  disburse payments across web, mobile, IVR, call center, and agent channels
  using cards, ACH/eCheck, cash, and digital wallets (PayPal, Venmo, Apple Pay,
  Google Pay). Its home market is the United States. Paymentus is API-native but
  its developer surface is access-controlled: the developer portal at
  developer.paymentus.io is live and public, yet the full API reference,
  specifications, and testing environment sit behind a request-access / NDA
  gate. A public Node.js Server SDK (@paymentus/core, @paymentus/auth,
  @paymentus/xotp) documents the real payment (XOTP) surface, JWT/pre-shared-key
  authentication, granular OAuth-style scopes, and production base URLs. No
  downloadable OpenAPI/Swagger specification is published on the public web as of
  this review.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United States
- Bill Payment
- Electronic Bill Presentment
- Payment Processing
- Payment Gateway
- Disbursements
- ACH
- Real-Time Payments
- Tokenization
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: paymentus:paymentus-xotp-api
  name: Paymentus XOTP API
  description: >-
    The XOTP (Paymentus payment) API exposes core Service Commerce operations —
    make payment (Sale), account inquiry, payment history, void/cancel payment,
    customer profile create/read/update/delete and list, wallet/payment-method
    tokenization, linked accounts, and AutoPay management. Requests carry a
    Bearer JWT and are scoped with granular XOTP scopes. Documented publicly via
    the @paymentus/xotp Node.js SDK and the developer portal reference tables;
    the full interactive reference requires portal access.
  humanURL: https://developer.paymentus.io/docs/Reference
  baseURL: https://api.paymentus.com
  tags:
  - Payments
  - Bill Payment
  - Tokenization
  - AutoPay
  - Disbursements
  properties:
  - type: Documentation
    url: https://developer.paymentus.io/
  - type: APIReference
    url: https://developer.paymentus.io/docs/Reference
  - type: SDK
    url: https://www.npmjs.com/package/@paymentus/xotp
- aid: paymentus:paymentus-authentication-api
  name: Paymentus Authentication API
  description: >-
    The Authentication API issues short-lived JWT access tokens for the XOTP
    payment surface. A client signs a request with a pre-shared key (identified
    by a key id / kid and a three-letter application acronym / tla), declares the
    granular scopes it needs (for example xotp, xotp:profile, xotp:payment,
    xotp:autopay, xotp:accounts) or a pixel that maps to those scopes, and
    receives a Bearer token used on subsequent XOTP calls. Documented publicly
    via the @paymentus/auth Node.js SDK.
  humanURL: https://developer.paymentus.io/
  baseURL: https://api.paymentus.com
  tags:
  - Authentication
  - JWT
  - Scopes
  properties:
  - type: Documentation
    url: https://developer.paymentus.io/
  - type: SDK
    url: https://www.npmjs.com/package/@paymentus/auth
common:
- type: TrustCenter
  url: security/paymentus-trust-center.yml
- type: DomainSecurity
  url: security/paymentus-domain-security.yml
- type: Website
  url: https://www.paymentus.com/
- type: DeveloperPortal
  url: https://developer.paymentus.io/
- type: APIReference
  url: https://developer.paymentus.io/docs/Reference
- type: StatusPage
  url: https://status.paymentus.com/
- type: GitHubOrganization
  url: https://github.com/paymentus
- type: LinkedIn
  url: https://www.linkedin.com/company/paymentus/
- type: TermsOfService
  url: https://www.paymentus.com/customer-terms-privacy/website-condition-of-use/
- type: PrivacyPolicy
  url: https://www.paymentus.com/customer-terms-privacy/website-privacy-notice-united-states/
- type: InvestorRelations
  url: https://ir.paymentus.com/
- type: Blog
  url: https://www.paymentus.com/industry-insights/
- type: Support
  url: https://www.paymentus.com/contact/?form=pay
- type: Packages
  url: packages/paymentus-packages.yml
- type: SDKs
  url: packages/paymentus-packages.yml
- type: Authentication
  url: authentication/paymentus-authentication.yml
- type: OAuthScopes
  url: scopes/paymentus-scopes.yml
- type: Conventions
  url: conventions/paymentus-conventions.yml
- type: MCPServer
  url: mcp/paymentus-mcp.yml
- type: Conformance
  url: conformance/paymentus-conformance.yml
- type: Compliance
  url: https://trust.paymentus.com/
- type: Lifecycle
  url: lifecycle/paymentus-lifecycle.yml
- type: DataModel
  url: data-model/paymentus-data-model.yml
- type: LLMsTxt
  url: llms/paymentus-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com