Balance

Balance is a financial infrastructure platform for B2B commerce that lets merchants and marketplaces accept payments, offer net-terms financing (digital trade credit / B2B BNPL), and automate order-to-cash accounts-receivable operations. Its APIs power embedded, customizable buyer journeys, advanced and consolidated billing, split payments, and AI-powered credit-risk management, covering the full B2B flow from checkout through invoicing, financing, and reconciliation. Balance ships pre-built integrations for platforms including Shopify, BigCommerce, Magento, and Salesforce Commerce, plus marketplace solutions, and exposes a v2 REST API documented on a developer portal. The company was surfaced as a portfolio company of Forerunner Ventures, Lightspeed Venture Partners, Ribbit Capital, and Techstars, and is profiled in the API Evangelist network. Card processing runs through Stripe (PCI DSS Service Provider Level 1); Balance publishes a security policy, status page, monthly product-update changelog, and a beta Model Context Protocol server for agentic commerce.

Balance publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Payments, B2B Payments, and Accounts Receivable.

Balance’s developer surface includes documentation, engineering blog, support, signup flow, changelog, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub
29.7/100 emerging Agent 12/100 human only Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyFintechPaymentsB2B PaymentsAccounts ReceivableNet TermsTrade CreditBNPLBillingEmbedded Finance

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 29.7/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 6.5 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 5.5 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 12/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
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/balance: 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

Balance API v2

Balance's v2 REST API for B2B payments, net-terms financing, invoicing, and accounts-receivable automation. Reference documentation is hosted on a password-gated ReadMe.io porta...

MCP Servers

balance-mcp.yml

MCP SERVER

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 SignUp
SignUp
 Login
Login

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 MCPServer
MCPServer

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle
 Conformance
Conformance

Access & Security 4

Authentication, authorization, and security posture

Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Compliance
Compliance

Operate 3

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 ChangeLog
ChangeLog

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

Source (apis.yml)

apis.yml Raw ↑ 
aid: balance
name: Balance
description: Balance is a financial infrastructure platform for B2B commerce that lets merchants and marketplaces accept payments,
  offer net-terms financing (digital trade credit / B2B BNPL), and automate order-to-cash accounts-receivable operations.
  Its APIs power embedded, customizable buyer journeys, advanced and consolidated billing, split payments, and AI-powered
  credit-risk management, covering the full B2B flow from checkout through invoicing, financing, and reconciliation. Balance
  ships pre-built integrations for platforms including Shopify, BigCommerce, Magento, and Salesforce Commerce, plus marketplace
  solutions, and exposes a v2 REST API documented on a developer portal. The company was surfaced as a portfolio company of
  Forerunner Ventures, Lightspeed Venture Partners, Ribbit Capital, and Techstars, and is profiled in the API Evangelist network.
  Card processing runs through Stripe (PCI DSS Service Provider Level 1); Balance publishes a security policy, status page,
  monthly product-update changelog, and a beta Model Context Protocol server for agentic commerce.
url: https://raw.githubusercontent.com/api-evangelist/balance/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- forerunner-ventures
- lightspeed-venture-partners
- ribbit-capital
- techstars
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://files.readme.io/b57e38a-small-Frame_2_4.png
tags:
- Company
- Fintech
- Payments
- B2B Payments
- Accounts Receivable
- Net Terms
- Trade Credit
- BNPL
- Billing
- Embedded Finance
apis:
- name: Balance API v2
  description: Balance's v2 REST API for B2B payments, net-terms financing, invoicing, and accounts-receivable automation.
    Reference documentation is hosted on a password-gated ReadMe.io portal (access requested via the Get API page).
  humanURL: https://docs.getbalance.com
  baseURL: https://api.getbalance.com
  properties:
  - type: Documentation
    url: https://docs.getbalance.com
  - type: APIReference
    url: https://docs.getbalance.com
  - type: GettingStarted
    url: https://www.getbalance.com/get-api
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://getbalance.com
- type: DeveloperPortal
  url: https://www.getbalance.com/get-api
- type: Documentation
  url: https://docs.getbalance.com
- type: Blog
  url: https://www.getbalance.com/blog/
- type: Support
  url: https://www.getbalance.com/contact-us/
- type: SignUp
  url: https://www.getbalance.com/get-api
- type: Login
  url: https://dashboard.getbalance.com/
- type: TermsOfService
  url: https://www.getbalance.com/legal/balance-website-terms
- type: PrivacyPolicy
  url: https://www.getbalance.com/legal/privacy-policy
- type: StatusPage
  url: https://status.getbalance.com
- type: ChangeLog
  url: changelog/balance-changelog.yml
- type: Lifecycle
  url: lifecycle/balance-lifecycle.yml
- type: LLMsTxt
  url: llms/balance-llms.txt
- type: MCPServer
  url: mcp/balance-mcp.yml
- type: Security
  url: https://www.getbalance.com/legal/security-policy
- type: VulnerabilityDisclosure
  url: security/balance-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/balance-domain-security.yml
- type: Conformance
  url: conformance/balance-conformance.yml
- type: Compliance
  url: https://www.getbalance.com/legal/security-policy
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence