{
  "name": "Paymentology",
  "slug": "paymentology",
  "website_url": "https://www.paymentology.com",
  "vendor_description": "\"Paymentology's issuing & processing platform helps banks & fintechs to launch innovative, secure, and flexible card payment products.\"",
  "categories": [
    "card-issuing"
  ],
  "summary": "Paymentology is a card issuing and processing platform built for banks, fintechs, and neobanks that need to launch virtual or physical card programs across 65+ countries, including markets in Africa, Asia-Pacific, Latin America, and the Middle East. It covers the full card lifecycle including spend controls, 3DS, tokenization, push provisioning, and real-time webhooks via a REST API with mTLS and HMAC authentication. Pricing is enterprise and requires a sales engagement, with programs quoted to go live in under eight weeks from a signed agreement. The platform holds PCI DSS Level 1 and ISO 27001 certifications and counts M-PESA, Mox, and TrueMoney among its customers.",
  "capabilities": {
    "supported_actions": [
      "issue_virtual_card",
      "issue_physical_card",
      "card_lifecycle_management",
      "spend_controls",
      "authorization_stream",
      "push_provisioning",
      "3ds",
      "tokenization",
      "program_management",
      "dispute_management",
      "real_time_webhooks",
      "fund_management",
      "balance_inquiry",
      "pin_management",
      "multi_currency_support",
      "fraud_controls",
      "decision_engine",
      "bin_level_monitoring",
      "settlement_reconciliation",
      "transaction_reporting",
      "digital_wallet_integration",
      "token_lifecycle_management",
      "stand_in_processing",
      "bin_sponsorship_matching"
    ],
    "supported_regions": [
      "65+ countries",
      "Asia-Pacific",
      "Africa",
      "Latin America",
      "Middle East",
      "Europe",
      "UK"
    ],
    "supported_languages": [],
    "input_types": [
      "Visa",
      "Mastercard",
      "UnionPay",
      "virtual",
      "physical",
      "debit",
      "credit",
      "prepaid",
      "hybrid",
      "numberless",
      "crypto"
    ],
    "output_types": [
      "JSON",
      "webhook events",
      "card tokens",
      "authorization events",
      "transaction data",
      "statements",
      "settlement reports",
      "API responses"
    ],
    "webhooks_supported": true,
    "sandbox_available": true,
    "sdk_languages": [
      "Android",
      "iOS"
    ],
    "mcp_server_available": false
  },
  "integration": {
    "api_style": "rest",
    "base_url": "https://developer.paymentology.com/bankinglive/",
    "api_version": "v3.0",
    "versioning_scheme": "url",
    "stability": "ga",
    "deprecation_policy_url": "https://developer.paymentology.com/bankinglive/docs/start-breaking-change",
    "auth_methods": [
      "api_key",
      "mtls",
      "hmac_signature"
    ],
    "auth_docs_url": "https://developer.paymentology.com/bankinglive/docs/security-static-api-headers",
    "idempotency_supported": null,
    "error_format": "vendor-specific",
    "webhook_signing": "hmac_sha256",
    "webhook_events_url": "https://developer.sprint.paymentology.com/card-api/api-reference/remotemessaging/",
    "rate_limit_requests": null,
    "rate_limit_window": null,
    "sdk_packages": [
      {
        "package": null,
        "language": "Android",
        "official": true,
        "repo_url": null
      },
      {
        "package": null,
        "language": "iOS",
        "official": true,
        "repo_url": null
      }
    ],
    "mcp_url": null,
    "quickstart_url": "https://developer.sprint.paymentology.com/get-started/"
  },
  "pricing": {
    "pricing_model": "contact_sales",
    "has_published_pricing": false,
    "starting_price_usd": null,
    "price_basis": null,
    "free_tier_available": false,
    "free_tier_limit": null,
    "free_tier_details": null,
    "minimum_commitment": null,
    "self_serve_signup": false,
    "requires_sales_call": true,
    "requires_verification": true,
    "enterprise_plan_available": true,
    "price_points": []
  },
  "compliance": {
    "soc2": null,
    "hipaa": false,
    "gdpr": true,
    "iso_27001": true,
    "pci_dss": true,
    "sla_published": false,
    "sla_url": null,
    "data_retention_policy_url": "https://www.paymentology.com/en/privacy-policy",
    "documented_rate_limits": null,
    "known_restrictions": [
      "Paymentology does not act as BIN sponsor itself - it connects clients with third-party BIN sponsors via Mastercard Fintech Express and Visa Fintech Fast Track networks",
      "PCI DSS Level 1 certified service provider",
      "Onboarding requires direct engagement with sales team - no self-serve card program launch",
      "Program go-live quoted as 'under eight weeks from signed agreement'",
      "BIN sponsorship availability varies by region and is matched by Paymentology to appropriate sponsors"
    ]
  },
  "developer": {
    "docs_url": "https://github.com/login?return_to=https%3A%2F%2Fgithub.com%2Fpages%2Fauth%3Fnonce%3D8d26c6e9-1b2f-4590-80d1-2453431d0f14%26page_id%3D60840035%26path%3DLw",
    "api_reference_url": null,
    "openapi_spec_url": null,
    "postman_collection_url": null,
    "changelog_url": null,
    "status_page_url": null,
    "llms_txt_url": null,
    "markdown_docs_url": null,
    "rendering": "static"
  },
  "adoption": {
    "launched_at": "1998-01-01",
    "ga_date": "2014-01-01",
    "github_stars": null,
    "github_stars_at": null,
    "notable_customers": [
      "M-PESA",
      "Wio",
      "Mox",
      "GoTyme",
      "TrueMoney",
      "Albo",
      "Diamond Trust Bank",
      "Mukuru"
    ]
  },
  "scores": {
    "agent_friendliness": 20,
    "pricing_transparency": 0,
    "setup_speed": 35,
    "docs_quality": 15,
    "procurement_friction": 0,
    "trust_readiness": 40,
    "best_for": [
      "Teams needing broad API coverage out of the box"
    ],
    "avoid_if": [
      "You need to start building today without contacting sales",
      "You need transparent pricing up front",
      "You want to try it free before paying"
    ]
  },
  "sources": [
    {
      "field": "vendor_description",
      "url": "https://www.paymentology.com/en/",
      "excerpt": "Paymentology's issuing & processing platform helps banks & fintechs to launch innovative, secure, and flexible card payment products.",
      "confidence": "high"
    },
    {
      "field": "categories",
      "url": "https://www.paymentology.com/en/issuing-overview",
      "excerpt": "Fintechs: Deliver versatile card products to boost loyalty and growth. Digital Banks: Launch innovative card products with unique brand experiences.",
      "confidence": "high"
    },
    {
      "field": "primary_use_cases",
      "url": "https://www.paymentology.com/product/enterprise",
      "excerpt": "Every card your customers want. One platform to issue them.",
      "confidence": "high"
    },
    {
      "field": "input_types",
      "url": "https://developer.sprint.paymentology.com/card-api/",
      "excerpt": "You can use Paymentology's Card API to issue gift cards, prepaid cards, or multi-currency reloadable physical & virtual cards on Mastercard, UnionPay, and Visa card schemes.",
      "confidence": "high"
    },
    {
      "field": "supported_regions",
      "url": "https://fintech.global/2026/06/04/paymentology-launches-lume-cloud-native-issuer-platform/",
      "excerpt": "Paymentology processes billions of transactions annually across nearly 70 countries, serving over 400 financial institutions.",
      "confidence": "high"
    },
    {
      "field": "supported_actions",
      "url": "https://developer.paymentology.com/docs/start-get-started",
      "excerpt": "Card Lifecycle: Creation, issuance, and management of cards and accounts. Features include tokenization, PIN management, card renewal/replacement, and multi-currency support. Transaction Lifecycle: Covers the full transaction flow including authorization, clearing, settlement, chargebacks, stand-in processing (STIP), and transfers.",
      "confidence": "high"
    },
    {
      "field": "webhooks_supported",
      "url": "https://developer.sprint.paymentology.com/",
      "excerpt": "Transaction Stream feature provides 'Real-time notifications for transactions'",
      "confidence": "high"
    },
    {
      "field": "sdk_languages",
      "url": "https://developer.paymentology.com/docs/start-get-started",
      "excerpt": "The Digital Card Engine section references: Android SDK with component references, styling/theming, and data models; iOS SDK with similar functionality; Headless/API option for custom implementations.",
      "confidence": "high"
    },
    {
      "field": "pci_dss",
      "url": "https://www.paymentology.com/platform/security-and-privacy",
      "excerpt": "PCI-DSS and PSD2 SCA compliant. One integration covers the standards that matter in every market you operate in.",
      "confidence": "high"
    },
    {
      "field": "gdpr",
      "url": "https://www.paymentology.com/en/platform-overview",
      "excerpt": "Security that scales without holding you back. ISO certified, GDPR compliant.",
      "confidence": "high"
    },
    {
      "field": "iso_27001",
      "url": "https://www.paymentology.com/platform/security-and-privacy",
      "excerpt": "Paymentology complies with the ISO27001 international standard for information security management systems.",
      "confidence": "medium"
    },
    {
      "field": "soc2",
      "url": "https://developer.sprint.paymentology.com/get-started/security/",
      "excerpt": "Certified Service provider PCI DSS Level 1 service",
      "confidence": "low"
    },
    {
      "field": "pricing_model",
      "url": "https://www.paymentology.com/product/enterprise",
      "excerpt": "No pricing tiers or costs are published. The site emphasizes 'Get Started' through demo requests rather than self-service pricing.",
      "confidence": "high"
    },
    {
      "field": "categories",
      "url": "https://www.paymentology.com/en/",
      "excerpt": "Paymentology's issuing & processing platform helps banks & fintechs to launch innovative, secure, and flexible card payment products.",
      "confidence": "high"
    },
    {
      "field": "primary_use_cases",
      "url": "https://www.paymentology.com/en/issuing-overview",
      "excerpt": "Fintechs: Deliver versatile card products to boost loyalty and growth. Digital Banks: Launch innovative card products with unique brand experiences. Banks: Optimize secure distribution of benefits, subsidies, and grants. Telcos: Offer virtual cards complementing mobile wallets. Expense Management: Streamline spend controls and reconciliation.",
      "confidence": "high"
    },
    {
      "field": "input_types",
      "url": "https://www.paymentology.com/en/issuing-overview",
      "excerpt": "Debit Cards, Prepaid Cards, Credit Cards, Hybrid Cards (debit + credit functions), Virtual Cards, Numberless Cards, Crypto & Stablecoins support",
      "confidence": "high"
    },
    {
      "field": "supported_regions",
      "url": "https://www.paymentology.com/en/about-us",
      "excerpt": "Operational reach: 65+ countries across 5 continents. Primary hubs: London, South Africa, and the UAE.",
      "confidence": "high"
    },
    {
      "field": "supported_actions",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/",
      "excerpt": "The Card API supports extensive card management through 50+ available methods including OrderCard, OrderCardWithPinBlock, RetireCard, LoadFunds, DeductFunds, TransferFunds, ActivateToken, DeleteToken, ListTokens, ChangePin, Set3DSecureCode, StopCard, UnStopCard",
      "confidence": "high"
    },
    {
      "field": "webhooks_supported",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/remotemessaging/",
      "excerpt": "Messages are delivered as HTTP POST requests with JSON content. The system expects an HTTP response code 200 (OK) to confirm acceptance, with a total round-trip time under 4 seconds.",
      "confidence": "high"
    },
    {
      "field": "sandbox_available",
      "url": "https://developer.sprint.paymentology.com/get-started/",
      "excerpt": "The platform provides two testing environments: a test environment for simulating transactions and a live environment.",
      "confidence": "high"
    },
    {
      "field": "pci_dss",
      "url": "https://developer.sprint.paymentology.com/get-started/security/",
      "excerpt": "Certified Service provider PCI DSS Level 1 service",
      "confidence": "high"
    },
    {
      "field": "gdpr",
      "url": "https://www.paymentology.com/platform/cloud/",
      "excerpt": "GDPR, Mastercard and Visa certified. Built in, not bolted on.",
      "confidence": "high"
    },
    {
      "field": "iso_27001",
      "url": "https://www.paymentology.com/en/platform-overview",
      "excerpt": "Security that scales without holding you back. ISO certified, GDPR compliant.",
      "confidence": "medium"
    },
    {
      "field": "hipaa",
      "url": "https://www.paymentology.com/platform/security-and-privacy",
      "excerpt": "PCI-DSS and PSD2 SCA compliant. One integration covers the standards that matter in every market you operate in.",
      "confidence": "medium"
    },
    {
      "field": "pricing_model",
      "url": "https://www.paymentology.com/contact-us/contact-our-sales-team",
      "excerpt": "Our team will walk you through what's possible, help you scope what you need, and get the right people in the room.",
      "confidence": "high"
    },
    {
      "field": "has_published_pricing",
      "url": "https://www.paymentology.com/en/issuing-overview",
      "excerpt": "No pricing information is provided on the webpage; requires direct contact or demo request.",
      "confidence": "high"
    },
    {
      "field": "enterprise_plan_available",
      "url": "https://www.paymentology.com/product/enterprise",
      "excerpt": "Card Issuing & Processing Solutions — enterprise-level card issuing platform to empower your business to engage customers and drive growth across industries worldwide.",
      "confidence": "high"
    },
    {
      "field": "known_restrictions",
      "url": "https://developer.sprint.paymentology.com/get-started/security/",
      "excerpt": "Certified Service provider PCI DSS Level 1 service",
      "confidence": "high"
    },
    {
      "field": "mcp_server_available",
      "url": "https://developer.sprint.paymentology.com/",
      "excerpt": "No MCP server mentioned in the developer documentation or on the company website.",
      "confidence": "high"
    },
    {
      "field": "requires_sales_call",
      "url": "https://www.paymentology.com/contact-us/contact-our-sales-team",
      "excerpt": "Our team will walk you through what's possible, help you scope what you need, and get the right people in the room.",
      "confidence": "high"
    },
    {
      "field": "known_restrictions",
      "url": "https://www.paymentology.com/bin-sponsoring",
      "excerpt": "Paymentology does not act as a BIN sponsor themselves. Instead, they function as an intermediary that 'connect[s] you with the right sponsor, in full compliance.' Paymentology leverages partnerships with Mastercard Fintech Express and Visa Fintech Fast Track, providing 'access to BIN sponsors worldwide, not just in one region.'",
      "confidence": "high"
    },
    {
      "field": "sla_published",
      "url": "https://www.paymentology.com/platform/cloud/",
      "excerpt": "Zero downtime deployments, active-active architecture, redundant servers providing fault tolerance, disaster recovery with auto-scaling, high availability, always — but no specific SLA percentage or formal SLA document found.",
      "confidence": "medium"
    },
    {
      "field": "auth_methods",
      "url": "https://developer.paymentology.com/bankinglive/docs/security-static-api-headers",
      "excerpt": "Each API request must include the `X-API-KEY` header for authentication purposes.",
      "confidence": "high"
    },
    {
      "field": "auth_methods",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/remotemessaging/",
      "excerpt": "CS-HMAC-SHA-256 Terminal=[ID],Checksum=[hash]",
      "confidence": "high"
    },
    {
      "field": "api_style",
      "url": "https://developer.sprint.paymentology.com/get-started/",
      "excerpt": "The endpoint path includes 'xmlrpc.cfm,' indicating the API uses XML-RPC protocol for communication rather than REST or JSON.",
      "confidence": "high"
    },
    {
      "field": "base_url",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/",
      "excerpt": "Base URL: `https://apidev.voucherengine.com/card/v1/xmlrpc.cfm`",
      "confidence": "medium"
    },
    {
      "field": "api_version",
      "url": "https://gist.github.com/NdagiStanley/a26876d6fd75e41c5edc2a04cb500dde",
      "excerpt": "Current Version: 2.0 (API 2.0) | In Development: Version 3.0 (alpha phase, not yet visible to customers) | Deprecated: API 1.0 (retired December 2019)",
      "confidence": "high"
    },
    {
      "field": "deprecation_policy_url",
      "url": "https://developer.paymentology.com/bankinglive/docs/start-breaking-change",
      "excerpt": "Paymentology maintains a maximum of two versions behind the current release. MINOR versions release every six months.",
      "confidence": "high"
    },
    {
      "field": "webhook_signing",
      "url": "https://developer.sprint.paymentology.com/notifications/",
      "excerpt": "Authentication requires HMAC-SHA1 hashed checksum of concatenated parameters using the terminal password as the private key.",
      "confidence": "high"
    },
    {
      "field": "webhook_events_url",
      "url": "https://developer.sprint.paymentology.com/notifications/",
      "excerpt": "Paymentology uses PubNub, a third-party real-time publish/subscribe messaging service, for transaction notifications.",
      "confidence": "high"
    },
    {
      "field": "launched_at",
      "url": "https://www.paymentology.com/about-us",
      "excerpt": "In 2021, Paymentology UK merged with Tutuka, a South Africa-based company with over two decades of card processing experience.",
      "confidence": "high"
    },
    {
      "field": "ga_date",
      "url": "https://www.paymentology.com/about-us",
      "excerpt": "Paymentology UK pioneered cloud-first processing in Europe and the UK, helping legacy banks transition to advanced, flexible platforms as early as 2014.",
      "confidence": "high"
    },
    {
      "field": "notable_customers",
      "url": "https://www.paymentology.com/compare-products",
      "excerpt": "The company highlights 17+ client stories, including M-PESA (Kenya), Wio (UAE), Mox, GoTyme, Boya, Nomo, Rain, Arq, TrueMoney, Albo, Diamond Trust Bank, UnDosTres, Ziina, Mamo, Octopus, Panelys.",
      "confidence": "high"
    },
    {
      "field": "sdk_packages",
      "url": "https://developer.paymentology.com/bankinglive/docs/start-get-started",
      "excerpt": "The Digital Card Engine section references: Android SDK with component references, styling/theming, and data models; iOS SDK with similar functionality; Headless/API option for custom implementations.",
      "confidence": "medium"
    },
    {
      "field": "data_retention_policy_url",
      "url": "https://www.paymentology.com/en/privacy-policy",
      "excerpt": "Paymentology retains personal data for a period as required to achieve the purpose of which the Personal Data was collected initially or subsequently Processed, unless retention is required or authorised for legal reasons.",
      "confidence": "high"
    },
    {
      "field": "versioning_scheme",
      "url": "https://developer.paymentology.com/bankinglive/docs/start-get-started",
      "excerpt": "The current version is v3.0, as indicated throughout the documentation.",
      "confidence": "medium"
    },
    {
      "field": "error_format",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/remotemessaging/",
      "excerpt": "Responses must echo back request fields and include a `resultCode` string indicating transaction status.",
      "confidence": "low"
    },
    {
      "field": "auth_methods",
      "url": "https://gist.github.com/NdagiStanley/a26876d6fd75e41c5edc2a04cb500dde",
      "excerpt": "Banking.Live verifies API calls against client certificates via HTTPS secure connections. Clients receive SSL certificates in formats: .crt, .p12, and .key files.",
      "confidence": "high"
    },
    {
      "field": "api_style",
      "url": "https://developer.paymentology.com/bankinglive/reference/createcreditcard",
      "excerpt": "REST API using POST method with JSON body parameters for creating credit cards.",
      "confidence": "high"
    },
    {
      "field": "base_url",
      "url": "https://developer.paymentology.com/bankinglive/reference/createcreditcard",
      "excerpt": "The endpoint is specified as `http://<host-url>/bl-integration/card`, indicating a placeholder host URL rather than a concrete base URL in this documentation.",
      "confidence": "medium"
    },
    {
      "field": "api_version",
      "url": "https://developer.paymentology.com/bankinglive/docs/start-get-started",
      "excerpt": "The current version is v3.0, as indicated throughout the documentation.",
      "confidence": "high"
    },
    {
      "field": "deprecation_policy_url",
      "url": "https://developer.paymentology.com/bankinglive/docs/start-breaking-change",
      "excerpt": "Paymentology will communicate breaking changes to clients prior to deployment, unless emergency or unplanned maintenance is necessary.",
      "confidence": "high"
    },
    {
      "field": "webhook_signing",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/remotemessaging/",
      "excerpt": "Header format: `CS-HMAC-SHA-256 Terminal=[ID],Checksum=[hash]` | The checksum is calculated by applying 'HMAC(secret, payload)' where the secret is a terminal-specific password shared separately, and the payload is the UTF-8 byte stream.",
      "confidence": "high"
    },
    {
      "field": "webhook_events_url",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/remotemessaging/",
      "excerpt": "Messages are delivered as HTTP POST requests with JSON content. The system expects an HTTP response code 200 (OK) to confirm acceptance, with a total round-trip time under 4 seconds.",
      "confidence": "high"
    },
    {
      "field": "requires_verification",
      "url": "https://developer.paymentology.com/bankinglive/docs/start-get-started",
      "excerpt": "The platform will collect specific information during setup. The documentation recommends reviewing the Card program specifications document to preview what details they'll request during your onboarding journey.",
      "confidence": "high"
    },
    {
      "field": "launched_at",
      "url": "https://www.connectingafrica.com/fintech/paymentology-looks-to-strengthen-its-african-roots",
      "excerpt": "Tutuka was founded in Johannesburg in 1998 by Rowan Brewer and specialised in creating the infrastructure that allowed banks and retailers across Africa, Southeast Asia and Latin America to issue Visa and Mastercard products.",
      "confidence": "high"
    },
    {
      "field": "ga_date",
      "url": "https://www.fintechfutures.com/m-a/tutuka-and-paymentology-merge-to-create-new-payments-and-card-processing-powerhouse-",
      "excerpt": "In 2021, these two leaders merged to form a unified brand under Paymentology.",
      "confidence": "high"
    },
    {
      "field": "notable_customers",
      "url": "https://www.paymentology.com/about-us",
      "excerpt": "The company works with 400+ clients globally, including Mox, GoTyme, Boya, Nomo, Rain, Arq, TrueMoney, Albo, Wio, Diamond Trust Bank, UnDosTres, Ziina, M-Pesa, Mamo, Octopus, Panelys, Mukuru, Mama Money, and Shyft by Standard Bank.",
      "confidence": "high"
    },
    {
      "field": "sdk_packages",
      "url": "https://developer.paymentology.com/bankinglive/docs/styling-theming-1",
      "excerpt": "The SDK design matches the Android SDK design for cross-platform consistency, and the documentation includes examples for iOS SDK implementation using Swift.",
      "confidence": "medium"
    },
    {
      "field": "versioning_scheme",
      "url": "https://developer.paymentology.com/bankinglive/docs/start-breaking-change",
      "excerpt": "The versioning scheme uses MAJOR.MINOR.PATCH format, where MINOR versions release every six months.",
      "confidence": "medium"
    },
    {
      "field": "error_format",
      "url": "https://developer.sprint.paymentology.com/card-api/api-reference/",
      "excerpt": "The documentation references a separate 'Response Codes' reference page linked in the navigation.",
      "confidence": "low"
    }
  ],
  "fields_not_found": [
    "soc2",
    "hipaa",
    "documented_rate_limits",
    "minimum_commitment",
    "free_tier_details",
    "sla_url",
    "starting_price_usd",
    "price_basis",
    "free_tier_limit",
    "rate_limit_requests",
    "rate_limit_window",
    "idempotency_supported",
    "mcp_url",
    "sdk_packages[].package",
    "sdk_packages[].repo_url"
  ],
  "source_confidence": "high",
  "last_verified_at": "2026-06-21T00:00:00.000Z",
  "contribute": {
    "note": "This data is crowd-editable. Suggest corrections or leave a review via these endpoints - no auth required, requests are rate-limited, and every submission is reviewed before it goes live. For a field edit, {field} is any key in this response and a citation is required.",
    "endpoints": [
      {
        "action": "review",
        "label": "Leave a review or comment",
        "method": "POST",
        "url": "https://apio.sh/api/feedback/paymentology",
        "example_body": {
          "kind": "review",
          "rating": 5,
          "body": "Your experience with this API…"
        }
      },
      {
        "action": "field_edit",
        "label": "Suggest a correction to a field (cite a source)",
        "method": "POST",
        "url": "https://apio.sh/api/suggest/paymentology/{field}",
        "example_body": {
          "value": "corrected value",
          "citations": [
            {
              "url": "https://source.example/page",
              "excerpt": "supporting quote"
            }
          ],
          "note": "what changed and why"
        }
      },
      {
        "action": "new_api",
        "label": "Suggest a new API to add (only name is required - send as much as you can cite)",
        "method": "POST",
        "url": "https://apio.sh/api/suggest/api",
        "example_body": {
          "value": {
            "name": "Acme Email API",
            "website_url": "https://acme.example",
            "vendor_name": "Acme",
            "categories": [
              "email"
            ],
            "pricing_model": "usage_based",
            "has_published_pricing": true,
            "free_tier_available": true,
            "price_points": [
              {
                "plan": "Pay as you go",
                "item": "1,000 emails",
                "amount_usd": 1,
                "per": "1,000 emails",
                "source_url": "https://acme.example/pricing"
              }
            ],
            "soc2": "type_2",
            "docs_url": "https://docs.acme.example"
          },
          "citations": [
            {
              "url": "https://acme.example/pricing",
              "excerpt": "$1 per 1,000 emails"
            }
          ]
        },
        "value_schema": [
          {
            "field": "name",
            "type": "string",
            "label": "Product name (the only required field)"
          },
          {
            "field": "website_url",
            "type": "string",
            "label": "Marketing website URL"
          },
          {
            "field": "vendor_name",
            "type": "string",
            "label": "Company/vendor name behind the product"
          },
          {
            "field": "vendor_description",
            "type": "string",
            "label": "One-line description, quoted from the vendor"
          },
          {
            "field": "categories",
            "type": "string[]",
            "label": "Category/leaf slugs it belongs to, e.g. [\"email\",\"sms\"]"
          },
          {
            "field": "primary_use_cases",
            "type": "string[]",
            "label": "What it's used for"
          },
          {
            "field": "supported_actions",
            "type": "string[]",
            "label": "Concrete API actions/capabilities"
          },
          {
            "field": "supported_regions",
            "type": "string[]",
            "label": "Countries/regions/data-residency"
          },
          {
            "field": "supported_languages",
            "type": "string[]",
            "label": "Human/spoken languages supported"
          },
          {
            "field": "input_types",
            "type": "string[]",
            "label": "Accepted input types/formats"
          },
          {
            "field": "output_types",
            "type": "string[]",
            "label": "Produced output types/formats"
          },
          {
            "field": "webhooks_supported",
            "type": "bool",
            "label": "Supports webhooks?"
          },
          {
            "field": "sandbox_available",
            "type": "bool",
            "label": "Dedicated sandbox/test mode?"
          },
          {
            "field": "sdk_languages",
            "type": "string[]",
            "label": "Languages with an official SDK"
          },
          {
            "field": "mcp_server_available",
            "type": "bool",
            "label": "Official MCP server?"
          },
          {
            "field": "pricing_model",
            "type": "enum",
            "label": "Pricing model",
            "values": [
              "usage_based",
              "subscription",
              "seat_based",
              "hybrid",
              "contact_sales"
            ]
          },
          {
            "field": "has_published_pricing",
            "type": "bool",
            "label": "Concrete prices published publicly?"
          },
          {
            "field": "free_tier_available",
            "type": "bool",
            "label": "Recurring/perpetual free tier (not a trial)?"
          },
          {
            "field": "free_tier_details",
            "type": "string",
            "label": "What the free tier includes"
          },
          {
            "field": "minimum_commitment",
            "type": "string",
            "label": "Any stated minimum spend/commitment"
          },
          {
            "field": "self_serve_signup",
            "type": "bool",
            "label": "Get an API key without talking to sales?"
          },
          {
            "field": "requires_sales_call",
            "type": "bool",
            "label": "Does going live require sales?"
          },
          {
            "field": "enterprise_plan_available",
            "type": "bool",
            "label": "Named enterprise tier?"
          },
          {
            "field": "starting_price_usd",
            "type": "number",
            "label": "Lowest published paid entry price (USD number)"
          },
          {
            "field": "price_basis",
            "type": "string",
            "label": "Unit the starting price is per, e.g. '1,000 emails'"
          },
          {
            "field": "free_tier_limit",
            "type": "string",
            "label": "Free-tier ceiling in literal terms"
          },
          {
            "field": "price_points",
            "type": "object[]",
            "label": "Structured prices: [{plan,item,amount_usd,amount_percent,per,source_url}]"
          },
          {
            "field": "soc2",
            "type": "enum",
            "label": "SOC 2 status",
            "values": [
              "type_2",
              "type_1",
              "in_progress",
              "none",
              "unknown"
            ]
          },
          {
            "field": "hipaa",
            "type": "bool",
            "label": "HIPAA (e.g. BAA available)?"
          },
          {
            "field": "gdpr",
            "type": "bool",
            "label": "GDPR compliance stated?"
          },
          {
            "field": "iso_27001",
            "type": "bool",
            "label": "ISO 27001 certified?"
          },
          {
            "field": "pci_dss",
            "type": "bool",
            "label": "PCI DSS compliant?"
          },
          {
            "field": "sla_published",
            "type": "bool",
            "label": "Published SLA / uptime commitment?"
          },
          {
            "field": "documented_rate_limits",
            "type": "string",
            "label": "Documented rate limits, quoted"
          },
          {
            "field": "known_restrictions",
            "type": "string[]",
            "label": "Notable documented restrictions/limits"
          },
          {
            "field": "auth_methods",
            "type": "string[]",
            "label": "Auth methods",
            "values": [
              "api_key",
              "oauth2",
              "jwt",
              "basic",
              "hmac_signature",
              "mtls",
              "session"
            ]
          },
          {
            "field": "api_style",
            "type": "enum",
            "label": "Primary API style",
            "values": [
              "rest",
              "graphql",
              "grpc",
              "soap",
              "websocket"
            ]
          },
          {
            "field": "base_url",
            "type": "string",
            "label": "API root/base URL"
          },
          {
            "field": "api_version",
            "type": "string",
            "label": "Current API version string"
          },
          {
            "field": "quickstart_url",
            "type": "string",
            "label": "Quickstart / hello-world URL"
          },
          {
            "field": "docs_url",
            "type": "string",
            "label": "Developer docs URL"
          },
          {
            "field": "api_reference_url",
            "type": "string",
            "label": "API reference URL"
          },
          {
            "field": "openapi_spec_url",
            "type": "string",
            "label": "OpenAPI spec URL"
          },
          {
            "field": "changelog_url",
            "type": "string",
            "label": "Changelog URL"
          },
          {
            "field": "status_page_url",
            "type": "string",
            "label": "Status page URL"
          },
          {
            "field": "notable_customers",
            "type": "string[]",
            "label": "Named public customers"
          },
          {
            "field": "launched_at",
            "type": "string",
            "label": "Launch date (ISO date or year)"
          }
        ]
      },
      {
        "action": "token",
        "label": "Optional - raise your rate limit",
        "method": "GET",
        "url": "https://apio.sh/api/feedback/token"
      }
    ]
  }
}