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 publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, BNPL, Buy Now Pay Later, and Installments.

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

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

🌐 Visit website 📡 Source on GitHub

25.8/100 emerging ▬ flat Agent 24/100 agent aware open core · MIT Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

1 APIs 1 MCP Servers

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

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 25.8/100 · emerging

Contract Quality 8.0 / 19

Developer Ergonomics 4.9 / 15

Access Clarity 0.0 / 15

Operational Transparency 2.6 / 10

Contract Governance 0.0 / 9

Discoverability 5.7 / 8

Regulatory Posture 2.8 / 15

Open Source Surface 2.5 / 10

Agent readiness — 24/100 · 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 Surface 0 / 5

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.

Open Source Surface applies to this provider. This product is open source and we read its repository directly, so Open Source Surface carries 10 points of the composite. It is scored from what the repository actually publishes — a security policy, a contribution guide, a release history, a code of conduct — read live from the provider rather than inferred from our own catalog pointers. This facet adds; nothing was taken away to make room for it. An open-source project is not excused from the commercial facets, because exemption would strip it of the points it does earn. If we have the wrong repository, or this product is not open source, say so on your provider repo and we will drop the facet rather than have you publish against it.

The six quality facets above are damped to 75 points between them, because both conditional facets apply and carry 25 points together. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/aplazo: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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...

MCP Servers 1

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

Get Started 1

Portal, sign-up, and the first successful call

Sandbox

Sandbox

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

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 1

The organization behind the API

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: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-17'
image: https://aplazoassets.s3.us-west-2.amazonaws.com/icons/aplazo/favicon.ico
tags:
- Company
- Payments
- BNPL
- 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
  - 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:
- 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: MCPServer
  url: mcp/aplazo-mcp.yml
- 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

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