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 API contracts indexed 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 and 1 Spectral governance ruleset.

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

🌐 Visit website 📡 Profile data on GitHub

38.8/100 thin ▬ flat Agent 33/100 agent ready Front door AI 1/6 silent Heartbeat 54/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company Financial Services Fintech Lending Buy Now Pay LaterInstallment PaymentsConsumer Credit Payments E-Commerce Peru Latin America

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 38.8/100 · thin

Contract Quality 4.1 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 5.1 / 15

Operational Transparency 2.1 / 10

Contract Governance 1.6 / 9

Discoverability 4.8 / 8

Regulatory Posture 4.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 33/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 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

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. 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/.

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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
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

6 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 21.7 — up to +19.6 composite points
Access Clarity scores 34.2 — up to +13.2 composite points
Operational Transparency scores 21.1 — up to +10.3 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/apurata/apis.yml: open an issue on github.com/api-evangelist/apurata 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
Commerce Platform Ecosystems (Shopify, WooCommerce, Stripe Apps)	builds-on	17.2 (thin)	-	1
Consumer Lending Licensing (UK, US, Canada credit licence registers)	builds-on	17.2 (thin)	-	1

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.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

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)

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Apurata aCuotaz POS REST config API

OPEN COLLECTION

Apurata aCuotaz POS REST config orders API

OPEN COLLECTION

Apurata aCuotaz POS REST config refunds API

OPEN COLLECTION

Apurata aCuotaz POS REST config widgets API

OPEN COLLECTION

Agent Skills 2

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

Create and confirm an aCuotaz installment order

AGENT SKILL

Refund an aCuotaz order

AGENT SKILL

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

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Apurata API Rules

59 rules · 54 errors 2 warnings 3 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Apurata Acuotaz Pos Overlay

4 actions · update · apurata-acuotaz-pos-openapi.yml

DERIVED

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

GettingStarted

SignUp

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

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Components

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

DataModel

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)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://apurata.com/app/logo512.png
x-docs-platform: swagger-ui
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-09-19
tags:
- Company
- Financial Services
- Fintech
- Lending
- Buy Now Pay Later
- Installment Payments
- Consumer Credit
- Payments
- E-Commerce
- Peru
- Latin America
tags_raw:
- Company
- Financial Services
- Fintech
- Lending
- Buy Now Pay Later
- Installment Payments
- Consumer Credit
- Payments
- E-commerce
- Peru
- Latin America
- Financial-Services
apis:
- aid: apurata:apurata-config-api
  name: Apurata Config API
  description: Financing configuration and limits
  humanURL: https://docs.apurata.com/POS/rest_api/
  tags:
  - Config
  tags_raw:
  - 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/
  tags:
  - Order
  tags_raw:
  - 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/
  tags:
  - Refunds
  tags_raw:
  - 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/
  tags:
  - Widgets
  tags_raw:
  - 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: X-MCPServerCandidate
  url: mcp/apurata-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: 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

Apurata API — frequently asked questions

Does Apurata have an API?

Yes. APIs.io lists 4 APIs from Apurata, including Apurata Config API, Apurata Orders API and Apurata Refunds API, and 1 more.

Is there an OpenAPI specification for the Apurata API?

Yes. APIs.io indexes 4 OpenAPI specifications for Apurata, each linked for download from this page.

How do I authenticate with the Apurata API?

Apurata uses bearer-token authentication (http/apiKey · 4 schemes). The details are profiled on APIs.io as Apurata Authentication.

Is the Apurata API ready for AI agents?

Apurata has a Kin Score of 38.8 out of 100 (thin) and an Agent Readiness score of 32.9 (agent-ready), scored by API Evangelist on 2026-11-06.

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