Aplazo

Aplazo is a Mexican buy now, pay later (BNPL) payment platform that lets shoppers split online and in-store purchases into installments without a credit card, paying over time directly from their bank account. For merchants, Aplazo exposes a REST payment API (api.aplazo.mx) and official e-commerce plugins (Magento 2, VTEX, Shopify, PrestaShop, Tiendanube) to originate loans at checkout, retrieve loan status, and process refunds and cancellations. Merchants authenticate with an apiToken and merchantId to obtain a short-lived JWT bearer token, then create loans that redirect the customer to Aplazo to complete financing. Aplazo is backed by QED Investors and operates in Mexico, settling in Mexican pesos (MXN).

Aplazo is listed with 1 API on the APIs.io network. Tagged areas include Company, Payments, Buy Now Pay Later, Installments, and Fintech.

The Aplazo catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Aplazo’s developer surface includes engineering blog, support, authentication, sandbox, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

31.1/100 thin ▬ flat Agent 21/100 agent aware open core · MIT Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API 2 Agent Skills

Company Payments Buy Now Pay Later Installments Fintech Lending Mexico Checkout E-Commerce

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 31.1/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 6.0 / 17

Access Clarity 3.6 / 17

Operational Transparency 3.2 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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

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/.

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

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 21.1 — up to +15.8 composite points
Contract Quality scores 39.0 — up to +15.3 composite points
Developer Ergonomics scores 35.1 — up to +13.0 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/aplazo/apis.yml: open an issue on github.com/api-evangelist/aplazo 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)	distribution	9.6 (thin)	-	-
Official SDKs on Packagist, pub.dev and Hex	distribution	9.6 (thin)	-	-

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.

APIs 1

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

Aplazo Merchant Payment API

REST API for merchants to originate Aplazo installment loans at checkout, retrieve loan status, and process refunds and cancellations. Credentials (apiToken + merchantId) are ex...

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Offer Aplazo Buy-Now-Pay-Later at checkout

AGENT SKILL

Refund or cancel an Aplazo loan

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Aplazo Webhooks

ASYNCAPI

Security Posture 2

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

Aplazo Authentication

apiKey/http · 2 schemes

SECURITY

Aplazo Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Sandbox

Sandbox

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

DataModel

Webhooks

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

IssueTracker

IssueTracker

Releases

Releases

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

License

License

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Source (apis.yml)

aid: aplazo
name: Aplazo
description: Aplazo is a Mexican buy now, pay later (BNPL) payment platform that lets shoppers split online and in-store purchases
  into installments without a credit card, paying over time directly from their bank account. For merchants, Aplazo exposes
  a REST payment API (api.aplazo.mx) and official e-commerce plugins (Magento 2, VTEX, Shopify, PrestaShop, Tiendanube) to
  originate loans at checkout, retrieve loan status, and process refunds and cancellations. Merchants authenticate with an
  apiToken and merchantId to obtain a short-lived JWT bearer token, then create loans that redirect the customer to Aplazo
  to complete financing. Aplazo is backed by QED Investors and operates in Mexico, settling in Mexican pesos (MXN).
url: https://raw.githubusercontent.com/api-evangelist/aplazo/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: open-core
  license: MIT
  open_source: true
  commercial: true
  callable_host: false
  label: Open core · an OSS project plus a commercial hosted product
  confidence: high
  source:
  - license
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
image: https://aplazoassets.s3.us-west-2.amazonaws.com/icons/aplazo/favicon.ico
tags:
- Company
- Payments
- Buy Now Pay Later
- Installments
- Fintech
- Lending
- Mexico
- Checkout
- E-Commerce
tags_raw:
- Company
- Payments
- BNPL
- Buy Now Pay Later
- Installments
- Fintech
- Lending
- Mexico
- Checkout
- E-commerce
apis:
- name: Aplazo Merchant Payment API
  description: REST API for merchants to originate Aplazo installment loans at checkout, retrieve loan status, and process
    refunds and cancellations. Credentials (apiToken + merchantId) are exchanged at POST /api/auth for a JWT bearer.
  humanURL: https://github.com/aplazo/php.aplazo-magento-2-payment-gateway
  baseURL: https://api.aplazo.mx
  tags:
  - Payments
  - Buy Now Pay Later
  - Loans
  - Checkout
  - Refunds
  tags_raw:
  - Payments
  - BNPL
  - Loans
  - Checkout
  - Refunds
  properties:
  - type: Authentication
    url: authentication/aplazo-authentication.yml
  - type: SourceCode
    url: https://github.com/aplazo/php.aplazo-magento-2-payment-gateway
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://aplazo.mx/blog
  type: Blog
- type: IssueTracker
  url: https://github.com/aplazo/php.aplazo-magento-2-payment-gateway/issues
- type: Releases
  url: https://github.com/aplazo/php.aplazo-magento-2-payment-gateway/releases
- type: License
  name: MIT
  url: https://github.com/aplazo/php.aplazo-magento-2-payment-gateway/blob/master/LICENSE
- type: Website
  url: https://aplazo.mx/pages/home
- type: GitHubOrganization
  url: https://github.com/aplazo
- type: TermsOfService
  url: https://aplazo.mx/terms-and-conditions
- type: PrivacyPolicy
  url: https://aplazo.mx/privacy-and-policy
- type: Support
  url: mailto:soporte@aplazo.mx
- type: Packages
  url: packages/aplazo-packages.yml
- type: SDKs
  url: packages/aplazo-packages.yml
- type: Authentication
  url: authentication/aplazo-authentication.yml
- type: Conventions
  url: conventions/aplazo-conventions.yml
- type: Idempotency
  url: conventions/aplazo-conventions.yml
- type: X-MCPServerCandidate
  url: mcp/aplazo-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ErrorCatalog
  url: errors/aplazo-problem-types.yml
- type: Lifecycle
  url: lifecycle/aplazo-lifecycle.yml
- type: Sandbox
  url: sandbox/aplazo-sandbox.yml
- type: DataModel
  url: data-model/aplazo-data-model.yml
- type: Webhooks
  url: asyncapi/aplazo-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/aplazo-llms.txt
- type: DomainSecurity
  url: security/aplazo-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Aplazo API — frequently asked questions

Does Aplazo have an API?

Yes. APIs.io lists 1 API from Aplazo, including Aplazo Merchant Payment API.

How do I authenticate with the Aplazo API?

Aplazo uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Aplazo Authentication.

Is the Aplazo API ready for AI agents?

Aplazo has a Kin Score of 31.1 out of 100 (thin) and an Agent Readiness score of 21.4 (agent-aware), scored by API Evangelist on 2026-10-31.

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