# Apurata

**Canonical:** https://apis.io/providers/apurata/  
**Website:** https://apurata.com  
**APIs profiled:** 4

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.

## Kin Score — 50.3 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 50.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 69.6 |
| Governance | 11.5 |
| Operational Transparency | 23.7 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 34.2 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 48.4 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## APIs (4)

- **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)

- **apurata-mcp.yml**

## Security (3)

- **Apurata Authentication** — http/apiKey · 4 schemes
- **Apurata Domain Security** — TLSv1.3 · DMARC
- **Apurata Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Financial Services, Fintech, Lending, Buy Now Pay Later, Installment Payments, Consumer Credit, Payments, E-commerce, Peru, Latin America

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