Ascend

Ascend is a financial operations platform built for the insurance industry, offering AI-powered accounting automation, payments, and premium financing in a single vertically integrated solution. Its REST API (v1) lets insurance agencies, wholesalers, MGAs, and carriers automate billing and invoicing, premium financing and installment plans, cash application, carrier payables, and direct bill workflows — managing insureds, programs, billables, invoices, loans, payouts, refunds, and one-time payments programmatically, secured with bearer tokens and HMAC-signed webhooks for invoice, payout, and refund events. Trusted by over 4,000 insurance businesses, including over half of the 50 largest brokers.

Ascend publishes 23 APIs on the APIs.io network, including Accounts API, Attachments API, Billables API, and 20 more. Tagged areas include Company, Fintech, Insurance, InsurTech, and Payments.

The Ascend catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Ascend’s developer surface includes authentication, documentation, API reference, getting-started guide, support, signup flow, sandbox, and 19 more developer resources.

🌐 Visit website 📡 Source on GitHub

51.8/100 developing ▬ flat Agent 47/100 agent ready Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1

AccessSelf serve

23 APIs 1 MCP Servers

CompanyFintechInsuranceInsurTechPaymentsPremium FinancingBillingInvoicingEmbedded FinanceREST APIWebhooks

Kin Score

Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1

Composite quality — 51.8/100 · developing

Contract Quality 15.8 / 25

Developer Ergonomics 12.1 / 20

Commercial Clarity 8.4 / 20

Operational Transparency 4.4 / 13

Governance 2.5 / 12

Discoverability 8.2 / 10

Agent readiness — 47/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

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/ascend: 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 23

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

MCP Servers 1

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

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

LLMsTxt

MCPServer

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Webhooks

Conventions

ErrorCatalog

DataModel

Lifecycle

Conformance

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

Authentication

Security

Compliance

VulnerabilityDisclosure

VulnerabilityDisclosure

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

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)

aid: ascend
name: Ascend
description: Ascend is a financial operations platform built for the insurance industry, offering AI-powered accounting automation,
  payments, and premium financing in a single vertically integrated solution. Its REST API (v1) lets insurance agencies, wholesalers,
  MGAs, and carriers automate billing and invoicing, premium financing and installment plans, cash application, carrier payables,
  and direct bill workflows — managing insureds, programs, billables, invoices, loans, payouts, refunds, and one-time payments
  programmatically, secured with bearer tokens and HMAC-signed webhooks for invoice, payout, and refund events. Trusted by
  over 4,000 insurance businesses, including over half of the 50 largest brokers.
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
image: https://www.useascend.com/favicons/icon-512.png
url: https://raw.githubusercontent.com/api-evangelist/ascend/refs/heads/main/apis.yml
x-type: company
x-source: index-ventures-portfolio
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Insurance
- InsurTech
- Payments
- Premium Financing
- Billing
- Invoicing
- Embedded Finance
- REST API
- Webhooks
apis:
- aid: ascend:ascend-accounts-api
  name: Ascend Accounts API
  description: The Accounts API from Ascend — 2 operation(s) for accounts.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/ascend-accounts-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-attachments-api
  name: Ascend Attachments API
  description: Represents a file that is associated with a program.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Attachments
  properties:
  - type: OpenAPI
    url: openapi/ascend-attachments-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-billables-api
  name: Ascend Billables API
  description: Represents an insurance quote or endorsement to be billed to the insured.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Billables
  properties:
  - type: OpenAPI
    url: openapi/ascend-billables-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-cancelationreturns-api
  name: Ascend CancelationReturns API
  description: Represents the cancelation of an insurance quote
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - CancelationReturns
  properties:
  - type: OpenAPI
    url: openapi/ascend-cancelationreturns-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-carriers-api
  name: Ascend Carriers API
  description: Represents the carriers Ascend supports for quote creation.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Carriers
  properties:
  - type: OpenAPI
    url: openapi/ascend-carriers-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-contacts-api
  name: Ascend Contacts API
  description: Represents the contacts that may be associated with an Insured account.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Contacts
  properties:
  - type: OpenAPI
    url: openapi/ascend-contacts-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-coveragetypes-api
  name: Ascend CoverageTypes API
  description: Represents the coverage types Ascend supports for quote creation.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - CoverageTypes
  properties:
  - type: OpenAPI
    url: openapi/ascend-coveragetypes-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-financeestimate-api
  name: Ascend FinanceEstimate API
  description: Estimated financing terms.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - FinanceEstimate
  properties:
  - type: OpenAPI
    url: openapi/ascend-financeestimate-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-installmentplans-api
  name: Ascend InstallmentPlans API
  description: A payment plan broken down over a seriies of regular installments
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - InstallmentPlans
  properties:
  - type: OpenAPI
    url: openapi/ascend-installmentplans-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-installments-api
  name: Ascend Installments API
  description: An single installment on a installment plan
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Installments
  properties:
  - type: OpenAPI
    url: openapi/ascend-installments-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-insureds-api
  name: Ascend Insureds API
  description: Represents the person or business entity that is purchasing the collection of insurance quotes.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Insureds
  properties:
  - type: OpenAPI
    url: openapi/ascend-insureds-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-invoices-api
  name: Ascend Invoices API
  description: Represents records of a transaction between the insured and Ascend.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/ascend-invoices-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-loans-api
  name: Ascend Loans API
  description: Loan details for a financed program
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Loans
  properties:
  - type: OpenAPI
    url: openapi/ascend-loans-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-onetimepayments-api
  name: Ascend OneTimePayments API
  description: Represents records of a transaction between an insured and an agency or MGA.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - OneTimePayments
  properties:
  - type: OpenAPI
    url: openapi/ascend-onetimepayments-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-organization-account-users-api
  name: Ascend Organization Account Users API
  description: The Organization Account Users API from Ascend — 2 operation(s) for organization account users.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Organization Account Users
  properties:
  - type: OpenAPI
    url: openapi/ascend-organization-account-users-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-paymentproposals-api
  name: Ascend PaymentProposals API
  description: The PaymentProposals API from Ascend — 1 operation(s) for paymentproposals.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - PaymentProposals
  properties:
  - type: OpenAPI
    url: openapi/ascend-paymentproposals-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-payouts-api
  name: Ascend Payouts API
  description: Money transfers between accounts triggered after an insured pays a quote.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Payouts
  properties:
  - type: OpenAPI
    url: openapi/ascend-payouts-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-premiumreducingendorsements-beta-api
  name: Ascend PremiumReducingEndorsements (Beta) API
  description: Represents a premium reducing endorsement for an insurance quote.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - PremiumReducingEndorsements (Beta)
  properties:
  - type: OpenAPI
    url: openapi/ascend-premiumreducingendorsements-beta-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-programs-api
  name: Ascend Programs API
  description: A collection of insurance quotes pooled to produce 1 checkout link.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Programs
  properties:
  - type: OpenAPI
    url: openapi/ascend-programs-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-refunds-api
  name: Ascend Refunds API
  description: A collection of refunds to the insured.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/ascend-refunds-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-returns-api
  name: Ascend Returns API
  description: A collection of returns on one time payments or installment plans.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Returns
  properties:
  - type: OpenAPI
    url: openapi/ascend-returns-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-users-api
  name: Ascend Users API
  description: Represent users that manage programs. They can be analysts, producers, support & admins.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/ascend-users-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
- aid: ascend:ascend-wholesalers-api
  name: Ascend Wholesalers API
  description: The Wholesalers API from Ascend — 1 operation(s) for wholesalers.
  humanURL: https://developers.useascend.com/
  baseURL: https://api.useascend.com
  tags:
  - Wholesalers
  properties:
  - type: OpenAPI
    url: openapi/ascend-wholesalers-api-openapi.yml
  - type: Documentation
    url: https://developers.useascend.com/docs
  - type: APIReference
    url: https://developers.useascend.com/reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/ascend-agentic-access.yml
- type: DomainSecurity
  url: security/ascend-domain-security.yml
- type: Authentication
  url: authentication/ascend-authentication.yml
- type: Website
  url: https://useascend.com/
- type: DeveloperPortal
  url: https://developers.useascend.com/
- type: Documentation
  url: https://developers.useascend.com/docs
- type: APIReference
  url: https://developers.useascend.com/reference
- type: GettingStarted
  url: https://developers.useascend.com/docs/getting-started
- type: Support
  url: https://support.useascend.com/
- type: SignUp
  url: https://dashboard.useascend.com/
- type: StatusPage
  url: https://status.useascend.com/
- type: TermsOfService
  url: https://useascend.com/legal/terms-of-service
- type: PrivacyPolicy
  url: https://useascend.com/legal/privacy-policy
- type: Security
  url: https://useascend.com/legal/security-policy
- type: LLMsTxt
  url: llms/ascend-llms.txt
- type: Webhooks
  url: asyncapi/ascend-webhooks.yml
- type: Conventions
  url: conventions/ascend-conventions.yml
- type: ErrorCatalog
  url: errors/ascend-problem-types.yml
- type: DataModel
  url: data-model/ascend-data-model.yml
- type: Lifecycle
  url: lifecycle/ascend-lifecycle.yml
- type: Sandbox
  url: sandbox/ascend-sandbox.yml
- type: Conformance
  url: conformance/ascend-conformance.yml
- type: Compliance
  url: conformance/ascend-conformance.yml
- type: MCPServer
  url: mcp/ascend-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: VulnerabilityDisclosure
  url: security/ascend-vulnerability-disclosure.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence