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 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
23.9/100 emerging Agent 48/100 agent ready Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyPaymentsBNPLBuy Now Pay LaterInstallmentsFintechLendingMexicoCheckoutE-commerce

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 23.9/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 8.7 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 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
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

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

aplazo-mcp.yml

MCP SERVER

Event Specifications

Aplazo Webhooks

ASYNCAPI

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

MCPServer
MCPServer
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 DataModel
DataModel
 Webhooks
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 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
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
specificationVersion: '0.20'
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
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: 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