Billease

Billease is a Philippine fintech company offering buy‑now‑pay‑later (BNPL) services and personal loans through its mobile app. Founded in 1969 as a rural bank, it now provides installment financing for online shopping, bill payments, and cash loans, targeting over 10 million users. The platform features zero‑interest credit lines, QR‑code payments, and integrates with thousands of merchants across the Philippines, regulated by the Bangko Sentral ng Pilipinas.

Billease publishes 6 APIs on the APIs.io network, including Be Store Admin API, Be Transactions API, Categories API, and 3 more. Tagged areas include Company, Fintech, Buy Now Pay Later, Philippines, and Loans.

The Billease catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Billease’s developer surface includes documentation, engineering blog, API reference, support, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub
26.8/100 thin Agent 20/100 agent aware Full breakdown ↓
scored 2026-10-04 · rubric v0.23.0
6 APIs
CompanyFintechBuy Now Pay LaterPhilippinesLoans

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-04 · rubric v0.23.0
Composite quality — 26.8/100 · thin
Contract Quality 4.9 / 19
Developer Ergonomics 3.6 / 15
Access Clarity 5.1 / 15
Operational Transparency 0.0 / 10
Contract Governance 2.0 / 9
Discoverability 4.7 / 8
Regulatory Posture 2.8 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 20/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 7 / 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
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
Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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/.
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 github.com/api-evangelist/billease: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 6

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

Billease API

API for Billease fintech services, offering BNPL and personal loans.

Billease Be Store Admin API

The Be Store Admin Api API from Billease — 1 operation(s) for be store admin api.

Billease Be Transactions API

The Be Transactions Api API from Billease — 1 operation(s) for be transactions api.

Billease Categories API

The Categories API from Billease — 1 operation(s) for categories.

Billease Products API

The Products API from Billease — 2 operation(s) for products.

Billease Trx API

The Trx API from Billease — 4 operation(s) for trx.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Billease Context

11 classes · 28 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Billease API Rules

12 rules · 10 errors 1 warnings 1 info

SPECTRAL

JSON Schema 6

Standalone JSON Schema definitions for this provider's data models.

PostBeStoreAdminApiProductsSyncRequest

3 properties

JSON SCHEMA

PostBeStoreAdminApiProductsSyncResponse

5 properties

JSON SCHEMA

PostProductsSyncRequest

3 properties

JSON SCHEMA

PostTrxIdIdRequest

3 properties

JSON SCHEMA

PostTrxIdIdResponse

3 properties

JSON SCHEMA

PostTrxTransactionRequest

8 properties

JSON SCHEMA

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Billease Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login
Login

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Spectral
Spectral
 JSONLD
JSONLD
 Vocabulary
Vocabulary
 DataModel
DataModel
 Conformance
Conformance

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

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 2

Properties that don't map to a standard resource type

Hosts
Hosts
 Vendors
Vendors

Source (apis.yml)

apis.yml Raw ↑ 
aid: billease
name: Billease
image: https://billease.ph/billease_banner.png
description: Billease is a Philippine fintech company offering buy‑now‑pay‑later (BNPL) services and personal loans through
  its mobile app. Founded in 1969 as a rural bank, it now provides installment financing for online shopping, bill payments,
  and cash loans, targeting over 10 million users. The platform features zero‑interest credit lines, QR‑code payments, and
  integrates with thousands of merchants across the Philippines, regulated by the Bangko Sentral ng Pilipinas.
url: https://raw.githubusercontent.com/api-evangelist/billease/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-09-28 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-09-28'
modified: '2026-09-28'
tags:
- Company
- Fintech
- Buy Now Pay Later
- Philippines
- Loans
tags_raw:
- Company
- Fintech
- BNPL
- Philippines
- Loans
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/billease-rules.yml
- type: JSONLD
  url: json-ld/billease-context.jsonld
- type: Vocabulary
  url: vocabulary/billease-vocabulary.yml
- type: DataModel
  url: data-model/billease-data-model.yml
- type: Conformance
  url: conformance/billease-conformance.yml
- type: Hosts
  url: hosts/billease-hosts.yml
- type: Vendors
  url: vendors/billease-vendors.yml
- type: Login
  url: https://billease.ph/account/login
- type: Documentation
  url: https://dev.billease.ph/
- type: DomainSecurity
  url: security/billease-domain-security.yml
- type: Website
  url: https://billease.ph
- type: Blog
  url: https://billease.ph/blog/
- type: APIReference
  url: https://billease.ph/api/
- type: Support
  url: https://billease.ph/contact-us
- type: TermsOfService
  url: https://billease.ph/terms
- type: PrivacyPolicy
  url: https://billease.ph/privacy
apis:
- name: Billease API
  description: API for Billease fintech services, offering BNPL and personal loans.
  humanURL: https://dev.billease.ph/
  baseURL: null
  aid: billease:billease-api-2
- aid: billease:billease-be-store-admin-api-api
  name: Billease Be Store Admin API
  description: The Be Store Admin Api API from Billease — 1 operation(s) for be store admin api.
  humanURL: https://dev.billease.ph/
  baseURL: https://trx-test.billease.ph
  tags:
  - Be Store Admin Api
  properties:
  - type: OpenAPI
    url: openapi/billease-be-store-admin-api-api-openapi.yml
  - type: JSONSchema
    url: json-schema/billease-post-trx-transaction-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-response-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-response-schema.json
- aid: billease:billease-be-transactions-api-api
  name: Billease Be Transactions API
  description: The Be Transactions Api API from Billease — 1 operation(s) for be transactions api.
  humanURL: https://dev.billease.ph/
  baseURL: https://trx-test.billease.ph
  tags:
  - Be Transactions Api
  properties:
  - type: OpenAPI
    url: openapi/billease-be-transactions-api-api-openapi.yml
  - type: JSONSchema
    url: json-schema/billease-post-trx-transaction-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-response-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-response-schema.json
- aid: billease:billease-categories-api
  name: Billease Categories API
  description: The Categories API from Billease — 1 operation(s) for categories.
  humanURL: https://dev.billease.ph/
  baseURL: https://trx-test.billease.ph
  tags:
  - Categories
  properties:
  - type: OpenAPI
    url: openapi/billease-categories-api-openapi.yml
  - type: JSONSchema
    url: json-schema/billease-post-trx-transaction-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-response-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-response-schema.json
- aid: billease:billease-products-api
  name: Billease Products API
  description: The Products API from Billease — 2 operation(s) for products.
  humanURL: https://dev.billease.ph/
  baseURL: https://trx-test.billease.ph
  tags:
  - Product
  tags_raw:
  - Products
  properties:
  - type: OpenAPI
    url: openapi/billease-products-api-openapi.yml
  - type: JSONSchema
    url: json-schema/billease-post-trx-transaction-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-response-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-response-schema.json
- aid: billease:billease-trx-api
  name: Billease Trx API
  description: The Trx API from Billease — 4 operation(s) for trx.
  humanURL: https://dev.billease.ph/
  baseURL: https://trx-test.billease.ph
  tags:
  - Trx
  properties:
  - type: OpenAPI
    url: openapi/billease-trx-api-openapi.yml
  - type: JSONSchema
    url: json-schema/billease-post-trx-transaction-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-request-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-be-store-admin-api-products-sync-response-schema.json
  - type: JSONSchema
    url: json-schema/billease-post-trx-id-id-response-schema.json
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: No OpenAPI, AsyncAPI, GraphQL, gRPC, or WSDL contracts were found on any discovered host.
  evidence:
  - url: https://billease.ph/api/
    status: 200
  checked: '2026-09-28'
x-enrichment:
  date: '2026-09-28'
  status: enriched
  artifacts_added: 18
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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