Afterpay

Afterpay (acquired by Block / Square) is a buy-now-pay-later platform offering Pay-in-4 installments at thousands of merchants. APIs for merchants to integrate via Square or direct.

Afterpay is listed with 3 APIs on the APIs.io network. Tagged areas include Fintech, Buy Now Pay Later, Payments, Consumer, and Block.

🌐 Visit website 📡 Profile data on GitHub

9.3/100 minimal ▬ flat Agent 13/100 agent aware Front door AI 1/6 silent Heartbeat 65/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterprise

3 APIs 1 MCP Servers

Fintech Buy Now Pay Later Payments Consumer Block Australia Consumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 9.3/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.9 / 17

Operational Transparency 2.0 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 1.6 / 15

Agent readiness — 13/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/afterpay/"><img src="https://apis.io/badge/afterpay/card.svg" alt="Afterpay on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 5.3 — up to +18.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/afterpay/apis.yml: open an issue on github.com/api-evangelist/afterpay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	list	36.8	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	list	36.8	-	-
Canada RPAA Payment Service Providers (Bank of Canada registry + Payments Canada)	list	36.8	-	-
Official SDKs on Packagist, pub.dev and Hex	list	36.8	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

Afterpay Checkout API

Create and confirm Afterpay checkouts for merchant integrations.

Afterpay Payments API

Auth, capture, void and refund Afterpay payments.

Afterpay Configuration API

Retrieve merchant-level configuration and supported regions.

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Afterpay MCP Server

Remote MCP server at developers.afterpay.com over HTTP.

MCP SERVER

Afterpay API pricing

Not yet checked against Afterpay's own pricing page. Compiled by API Evangelist on 2026-05-08 from www.afterpay.com/; confirm before you rely on a figure.

Plan	Price
To Be Reconciled enterprise	—

Plan details, limits and sources →

Rate limits

Default: see provider documentation varies

Compiled by API Evangelist, not yet checked against Afterpay's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

Afterpay Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Afterpay Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Afterpay Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Afterpay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Afterpay Vulnerability Disclosure

Bugcrowd · security.txt · contact published

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 2

The organization behind the API

LinkedIn

Website

Website

Source (apis.yml)

aid: afterpay
url: https://raw.githubusercontent.com/api-evangelist/afterpay/refs/heads/main/apis.yml
name: Afterpay
kind: company
description: Afterpay (acquired by Block / Square) is a buy-now-pay-later platform offering Pay-in-4 installments at thousands
  of merchants. APIs for merchants to integrate via Square or direct.
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
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/afterpay.png
tags:
- Fintech
- Buy Now Pay Later
- Payments
- Consumer
- Block
- Australia
- Consumer Finance
tags_raw:
- Fintech
- BNPL
- Payments
- Consumer
- Block
- Australia
- Consumer Finance
created: '2026-05-08'
modified: '2026-05-08'
specificationVersion: '0.23'
apis:
- name: Afterpay Checkout API
  description: Create and confirm Afterpay checkouts for merchant integrations.
  humanURL: https://developers.afterpay.com/afterpay-online/reference
  baseURL: https://api.afterpay.com
  tags:
  - Checkout
  - Buy Now Pay Later
  tags_raw:
  - Checkout
  - BNPL
  properties:
  - type: Documentation
    url: https://developers.afterpay.com/afterpay-online/reference
- name: Afterpay Payments API
  description: Auth, capture, void and refund Afterpay payments.
  humanURL: https://developers.afterpay.com/afterpay-online/reference
  baseURL: https://api.afterpay.com
  tags:
  - Payments
  properties:
  - type: Documentation
    url: https://developers.afterpay.com/afterpay-online/reference
- name: Afterpay Configuration API
  description: Retrieve merchant-level configuration and supported regions.
  humanURL: https://developers.afterpay.com/afterpay-online/reference
  baseURL: https://api.afterpay.com
  tags:
  - Configuration
  properties:
  - type: Documentation
    url: https://developers.afterpay.com/afterpay-online/reference
common:
- type: VulnerabilityDisclosure
  url: security/afterpay-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/afterpay-domain-security.yml
- type: GitHubOrganization
  url: https://github.com/afterpay
- type: LinkedIn
  url: https://www.linkedin.com/company/afterpay-com-au
- type: Website
  url: https://www.afterpay.com/
- type: Plans
  url: plans/afterpay-plans-pricing.yml
- type: RateLimits
  url: rate-limits/afterpay-rate-limits.yml
- type: FinOps
  url: finops/afterpay-finops.yml
- type: LlmsText
  url: https://developers.afterpay.com/llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Afterpay API — frequently asked questions

Does Afterpay have an API?

Yes. APIs.io lists 3 APIs from Afterpay, including Afterpay Checkout API, Afterpay Payments API and Afterpay Configuration API.

How much does the Afterpay API cost?

APIs.io lists 1 pricing plan for Afterpay, with each plan's price, limits and inclusions under Pricing on this page.

Does Afterpay have an MCP server?

Yes. APIs.io lists 1 MCP server for Afterpay: Remote MCP server at developers.afterpay.com over HTTP.

Is the Afterpay API ready for AI agents?

Afterpay has a Kin Score of 9.3 out of 100 (minimal) and an Agent Readiness score of 13.0 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/afterpay"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/afterpay/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/afterpay/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.