Apurata website screenshot

Apurata

Apurata (legal name Tecno Creditos S.A.C.) is a Peruvian financial-technology company, authorized by Peru's banking regulator (SBS), that provides fast fully online personal loans and the aCuotaz "buy now, pay later" installment-financing product for e-commerce merchants. Consumers borrow from S/100 to S/1,000 with funding in as little as 29 minutes, repaid across 1-8 installments. For merchants, aCuotaz adds installment checkout with 0% interest options, pays the merchant upfront, and integrates via a REST API, webhooks, and prebuilt payment-gateway plugins for WooCommerce, Magento 2, Shopify, VTEX, Salesforce, OpenCart, and PrestaShop. Apurata also operates aPagos and a Samsung Finance+ financing API.

Apurata publishes 4 APIs on the APIs.io network, including config API, orders API, refunds API, and 1 more. Tagged areas include Company, Financial Services, Fintech, Lending, and Buy Now Pay Later.

The Apurata catalog on APIs.io includes 2 event-driven AsyncAPI specifications.

Apurata’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.3/100 developing ▬ flat Agent 52/100 agent native Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessSelf serve
4 APIs 1 MCP Servers
CompanyFinancial ServicesFintechLendingBuy Now Pay LaterInstallment PaymentsConsumer CreditPaymentsE-commercePeruLatin America

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 51.3/100 · developing
Contract Quality 17.4 / 25
Developer Ergonomics 13.8 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 3.1 / 13
Governance 1.4 / 12
Discoverability 9.3 / 10
Agent readiness — 52/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
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 4 / 4
Consent & Bot Identity 3 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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/apurata: 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 4

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

Apurata config API

Financing configuration and limits

Apurata orders API

Order lifecycle (create, read, confirm, cancel)

Apurata refunds API

Total and partial refunds

Apurata widgets API

Embeddable checkout widgets (HTML)

MCP Servers 1

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

apurata-mcp.yml

MCP SERVER

Event Specifications 2

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

Apurata aCuotaz Order Webhooks

Outbound webhook events Apurata delivers to a merchant-registered URL as an aCuotaz installment order moves through its lifecycle. Generated from the public webhook documentatio...

ASYNCAPI

Apurata Acuotaz Webhooks

ASYNCAPI

Security Posture 3

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

Apurata Authentication

http/apiKey · 4 schemes

SECURITY

Apurata Domain Security

TLSv1.3 · DMARC

SECURITY

Apurata Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 AsyncAPI
AsyncAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components
Components
 Conformance
Conformance
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conventions
Conventions
 Idempotency
Idempotency
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 8

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs

Access & Security 5

Authentication, authorization, and security posture

SecurityTxt
SecurityTxt
 Authentication
Authentication
 DomainSecurity
DomainSecurity
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security

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 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: apurata
name: Apurata
description: Apurata (legal name Tecno Creditos S.A.C.) is a Peruvian financial-technology company, authorized by Peru's banking
  regulator (SBS), that provides fast fully online personal loans and the aCuotaz "buy now, pay later" installment-financing
  product for e-commerce merchants. Consumers borrow from S/100 to S/1,000 with funding in as little as 29 minutes, repaid
  across 1-8 installments. For merchants, aCuotaz adds installment checkout with 0% interest options, pays the merchant upfront,
  and integrates via a REST API, webhooks, and prebuilt payment-gateway plugins for WooCommerce, Magento 2, Shopify, VTEX,
  Salesforce, OpenCart, and PrestaShop. Apurata also operates aPagos and a Samsung Finance+ financing API.
url: https://raw.githubusercontent.com/api-evangelist/apurata/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
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: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://apurata.com/app/logo512.png
tags:
- Company
- Financial Services
- Fintech
- Lending
- Buy Now Pay Later
- Installment Payments
- Consumer Credit
- Payments
- E-commerce
- Peru
- Latin America
apis:
- aid: apurata:apurata-config-api
  name: Apurata config API
  description: Financing configuration and limits
  humanURL: https://docs.apurata.com/POS/rest_api/
  baseURL: https://apurata.com
  tags:
  - config
  properties:
  - type: OpenAPI
    url: openapi/apurata-config-api-openapi.yml
  - type: Documentation
    url: https://docs.apurata.com/POS/rest_api/
  - type: Authentication
    url: authentication/apurata-authentication.yml
  - type: Webhooks
    url: asyncapi/apurata-acuotaz-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/apurata-acuotaz-asyncapi.yml
- aid: apurata:apurata-orders-api
  name: Apurata orders API
  description: Order lifecycle (create, read, confirm, cancel)
  humanURL: https://docs.apurata.com/POS/rest_api/
  baseURL: https://apurata.com
  tags:
  - orders
  properties:
  - type: OpenAPI
    url: openapi/apurata-orders-api-openapi.yml
  - type: Documentation
    url: https://docs.apurata.com/POS/rest_api/
  - type: Authentication
    url: authentication/apurata-authentication.yml
  - type: Webhooks
    url: asyncapi/apurata-acuotaz-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/apurata-acuotaz-asyncapi.yml
- aid: apurata:apurata-refunds-api
  name: Apurata refunds API
  description: Total and partial refunds
  humanURL: https://docs.apurata.com/POS/rest_api/
  baseURL: https://apurata.com
  tags:
  - refunds
  properties:
  - type: OpenAPI
    url: openapi/apurata-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.apurata.com/POS/rest_api/
  - type: Authentication
    url: authentication/apurata-authentication.yml
  - type: Webhooks
    url: asyncapi/apurata-acuotaz-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/apurata-acuotaz-asyncapi.yml
- aid: apurata:apurata-widgets-api
  name: Apurata widgets API
  description: Embeddable checkout widgets (HTML)
  humanURL: https://docs.apurata.com/POS/rest_api/
  baseURL: https://apurata.com
  tags:
  - widgets
  properties:
  - type: OpenAPI
    url: openapi/apurata-widgets-api-openapi.yml
  - type: Documentation
    url: https://docs.apurata.com/POS/rest_api/
  - type: Authentication
    url: authentication/apurata-authentication.yml
  - type: Webhooks
    url: asyncapi/apurata-acuotaz-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/apurata-acuotaz-asyncapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://apurata.com
- type: DeveloperPortal
  url: https://docs.apurata.com
- type: Documentation
  url: https://docs.apurata.com/POS/intro/
- type: APIReference
  url: https://docs.apurata.com/POS/rest_api/
- type: GettingStarted
  url: https://docs.apurata.com/POS/intro/
- type: Support
  url: https://apurata.com/blog/contacto/
- type: Blog
  url: https://apurata.com/blog/
- type: GitHubOrganization
  url: https://github.com/apurata
- type: TermsOfService
  url: https://apurata.com/blog/terminos-y-condiciones/
- type: PrivacyPolicy
  url: https://apurata.com/blog/privacidad/
- type: SignUp
  url: https://apurata.com/app/
- type: Packages
  url: packages/apurata-packages.yml
- type: SDKs
  url: packages/apurata-packages.yml
- type: Components
  url: components/apurata-components.yml
- type: WellKnown
  url: well-known/apurata-well-known.yml
- type: SecurityTxt
  url: well-known/apurata-security.txt
- type: MCPServer
  url: mcp/apurata-mcp.yml
- type: LLMsTxt
  url: llms/apurata-llms.txt
- type: Overlay
  url: overlays/apurata-acuotaz-pos-overlay.yaml
- type: Conformance
  url: conformance/apurata-conformance.yml
- type: ErrorCatalog
  url: errors/apurata-problem-types.yml
- type: Lifecycle
  url: lifecycle/apurata-lifecycle.yml
- type: Authentication
  url: authentication/apurata-authentication.yml
- type: DomainSecurity
  url: security/apurata-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/apurata-vulnerability-disclosure.yml
- type: Security
  url: https://apurata.com/.well-known/vdp.txt
- type: Sandbox
  url: sandbox/apurata-sandbox.yml
- type: Conventions
  url: conventions/apurata-conventions.yml
- type: Idempotency
  url: conventions/apurata-conventions.yml
- type: DataModel
  url: data-model/apurata-data-model.yml
- type: Webhooks
  url: asyncapi/apurata-acuotaz-webhooks.yml
- type: AsyncAPI
  url: asyncapi/apurata-acuotaz-asyncapi.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence