PaymentsOS API

Name: PaymentsOS API API
Brand: PaymentsOS API
Availability: InStock

★ Only Publicly Available OpenAPI DocumentPaymentsPayment ProcessingapiKey3 EndpointsREST

For Agents

Create payments, retrieve transaction details, and tokenize payment methods through PaymentsOS unified orchestration layer that routes across multiple payment providers.

Quickstart

Get started with PaymentsOS API in minutes using your preferred integration method.

# Add to your MCP client config (Claude Desktop, Cursor, Windsurf)
{
  "jentic": {
    "url": "https://api.jentic.com/mcp",
    "auth": "oauth"
  }
}

# Then ask your agent:
"create a payment with orchestrated routing"

# → Jentic returns the GET /events tool with parameter schema, agent executes.

Capabilities

What an agent can do with PaymentsOS API API.

Create payment transactions routed across multiple underlying payment providers

Retrieve detailed payment status and transaction metadata by payment ID

Tokenize payment instruments for secure reuse without storing card data

Route transactions to optimal providers based on geography and payment method

GET STARTED

Start building with PaymentsOS API API

Explore with Jentic

View OpenAPI Document

Use for: I need to create a payment through PaymentsOS, I want to tokenize a payment method for future use, Retrieve the status of a specific payment transaction, Get the details of a previously created payment

Not supported: Does not handle subscription management, invoicing, or dispute resolution — use for payment creation, status retrieval, and token generation only.

Jentic publishes the only available OpenAPI document for PaymentsOS API, keeping it validated and agent-ready.

Jentic publishes the only available OpenAPI specification for PaymentsOS API, keeping it validated and agent-ready. The PaymentsOS API provides a unified payment orchestration layer from PayU that routes transactions across multiple payment providers. It enables creating payments, retrieving payment details, and tokenizing payment instruments through a single integration point. The orchestration approach lets merchants switch between providers without code changes, optimizing approval rates across geographies.

Use Cases

Patterns agents use PaymentsOS API API for, with concrete tasks.

★ Payment Orchestration

Route payment transactions across multiple payment service providers through a single API call. PaymentsOS acts as an orchestration layer that selects the optimal provider based on the payment method, currency, and geography. Merchants integrate once and gain access to dozens of providers without building individual integrations, improving approval rates through intelligent routing.

Create a payment for 99.99 USD via POST /payments with card token and let PaymentsOS route to the optimal provider for the transaction

Payment Instrument Tokenization

Tokenize credit cards and other payment methods for secure storage and reuse. The tokens endpoint accepts raw card data and returns a provider-agnostic token that can be used in subsequent payment requests. This eliminates PCI scope for the merchant application while enabling one-click checkout experiences and recurring payment collection.

Create a payment token for a Visa card via POST /tokens with card number, expiry, and CVV, then use the token in a payment creation request

AI Agent Payment Operations via Jentic

AI agents use Jentic to create payments and manage tokens through PaymentsOS without handling API key authentication or constructing provider-specific request payloads. Jentic provides the operation schemas so agents can initiate payments and tokenize cards with validated inputs while PaymentsOS handles provider routing automatically.

Search Jentic for 'create a payment with provider routing', load the PaymentsOS operation schema, and execute it to process a 50.00 EUR transaction

Key Endpoints

3 endpoints — jentic publishes the only available openapi specification for paymentsos api, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

POST

/payments

Create a new payment transaction

GET

/payments/{paymentId}

Retrieve payment details and status

POST

/tokens

Tokenize a payment instrument

POST

/payments

Create a new payment transaction

GET

/payments/{paymentId}

Retrieve payment details and status

POST

/tokens

Tokenize a payment instrument

Why though Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

PaymentsOS API keys and private keys are stored encrypted in the Jentic vault (MAXsystem). Agents receive authenticated requests — the raw API key and signing credentials never enter the agent's context window.

Intent-based discovery

Agents search by intent (e.g., 'create a payment with provider routing') and Jentic returns the matching PaymentsOS operation with required headers and body schema for immediate execution.

Time to first call

Direct PaymentsOS integration: 2-4 days for credential setup, provider configuration, and testing. Through Jentic: under 1 hour — search, load schema, execute.

Related APIs

Alternatives and complements available in the Jentic catalogue.

Alternative

Stripe API

Direct payment processing with built-in fraud detection and global method support

Choose Stripe when you want a single provider with comprehensive features rather than multi-provider orchestration through a routing layer.

Alternative

Adyen Checkout API

Enterprise payment platform with built-in intelligent routing and risk management

Choose Adyen when you need enterprise-grade payment orchestration with built-in routing intelligence rather than a third-party orchestration layer.

Complementary

Mollie API

European payment gateway focused on local payment methods

Use Mollie alongside PaymentsOS as one of the downstream providers when you need strong coverage of European local payment methods like iDEAL and Bancontact.

FAQs

Specific to using PaymentsOS API API through Jentic.

Why is there no official OpenAPI spec for PaymentsOS API?

PaymentsOS does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call PaymentsOS API via structured tooling. It is validated against the live API and kept up to date. Get started at https://app.jentic.com/sign-up.

What authentication does the PaymentsOS API use?

The PaymentsOS API uses an API key passed in the Authorization header. Additional headers include x-payments-os-env (test or live), app-id, and private-key for request signing. Through Jentic, all credentials are stored in the MAXsystem vault and injected automatically.

Can I route payments to different providers with PaymentsOS?

Yes. PaymentsOS acts as an orchestration layer that routes each transaction to the configured payment provider based on rules you set in the PaymentsOS dashboard. You can configure routing by payment method, currency, amount threshold, or geography without changing your API integration.

What are the rate limits for the PaymentsOS API?

PaymentsOS applies rate limits based on your account tier and configured providers. Standard accounts support hundreds of transactions per second. The API returns 429 when limits are exceeded. Jentic handles retry logic and rate limiting when executing operations on your behalf.

How do I create a payment through PaymentsOS via Jentic?

Search Jentic for 'create a payment with orchestration' to find the POST /payments operation. Jentic returns the input schema showing required fields like amount, currency, and payment_method (or token). Execute through Jentic and PaymentsOS routes to your configured provider automatically. Install with pip install jentic.