# Aplazo

**Canonical:** https://apis.io/providers/aplazo/  
**Website:** https://aplazo.mx/pages/home  
**APIs profiled:** 1

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).

## Kin Score — 25.8 / 100 (emerging)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.4 from 26.2).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 32.7 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 23.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | derived |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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)

- **Aplazo MCP Server**

## Security (2)

- **Aplazo Authentication** — apiKey/http · 2 schemes
- **Aplazo Domain Security** — TLSv1.3 · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/aplazo/). Scores are computed from the provider's own public artifacts under a published rubric.