# Balance

**Canonical:** https://apis.io/providers/balance/  
**Website:** https://getbalance.com  
**APIs profiled:** 1

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.

## Kin Score — 35.1 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 35.1).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 42.1 |
| Developer Ergonomics | 36.9 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Payments**: 59.4 (matched via tags).

## Agent readiness — 3.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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 (1)

- **Balance MCP Server** — Balance announced a Model Context Protocol (MCP) server for B2B agentic commerce, in closed beta at the time of capture. It lets LLMs and AI agents interact with Balance's APIs ...

## Security (2)

- **Balance Domain Security** — TLSv1.3 · DMARC
- **Balance Vulnerability Disclosure** — Hackerone · contact published

## Tags

Company, Fintech, Payments, B2B Payments, Accounts Receivable, Net Terms, Trade Credit, BNPL, Billing, Embedded Finance

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