Capchase

Capchase provides embedded financing and B2B payment infrastructure for software and hardware vendors. Its Capchase Pay API lets vendors offer buyers flexible installment payment terms at checkout while the vendor is paid the full contract value upfront. Vendors create buyer companies, run automated KYB/underwriting qualification, create subscriptions that generate hosted payment links, list and retrieve subscription status, and pull instalment receipts. The v2 REST API is served from universe.capchase.com, uses HTTP Basic authentication (clientId / clientSecret), ships a Playground environment, and is documented on a ReadMe developer portal with an OpenAPI reference and an AI-agent llms.txt index. Sector: fintech; backed by QED Investors.

Capchase publishes 1 API on the APIs.io network: Pay API. Tagged areas include Company, Fintech, Payments, Embedded Finance, and Financing.

Capchase’s developer surface includes documentation, API reference, getting-started guide, authentication, engineering blog, signup flow, sandbox, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.7/100 developing ▬ flat Agent 21/100 agent aware saas Full breakdown ↓
scored 2026-08-30 · rubric v0.17.2

AccessSelf serve

1 APIs 1 MCP Servers

Company Fintech Payments Embedded Finance Financing B2B SaaSRevenue FinancingBNPL KYB Underwriting

Kin Score

Kin Score How this is scored →
scored 2026-08-30 · rubric v0.17.2

Composite quality — 41.7/100 · developing

Contract Quality 11.1 / 21

Developer Ergonomics 8.0 / 17

Access Clarity 4.9 / 17

Operational Transparency 0.7 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 6.8 / 15

Agent readiness — 21/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance 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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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/. This rating is computed from github.com/api-evangelist/capchase: 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 1

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.

AGENTIC

Resources

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 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Lifecycle

Lifecycle

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Deprecation

Deprecation

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 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: capchase
name: Capchase
description: 'Capchase provides embedded financing and B2B payment infrastructure for software and hardware vendors. Its Capchase
  Pay API lets vendors offer buyers flexible installment payment terms at checkout while the vendor is paid the full contract
  value upfront. Vendors create buyer companies, run automated KYB/underwriting qualification, create subscriptions that generate
  hosted payment links, list and retrieve subscription status, and pull instalment receipts. The v2 REST API is served from
  universe.capchase.com, uses HTTP Basic authentication (clientId / clientSecret), ships a Playground environment, and is
  documented on a ReadMe developer portal with an OpenAPI reference and an AI-agent llms.txt index. Sector: fintech; backed
  by QED Investors.'
url: https://raw.githubusercontent.com/api-evangelist/capchase/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
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
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://cdn.prod.website-files.com/6146543ab50f167ae088b201/61701898ec2756274d6e8665_256px.png
tags:
- Company
- Fintech
- Payments
- Embedded Finance
- Financing
- B2B SaaS
- Revenue Financing
- BNPL
- KYB
- Underwriting
apis:
- aid: capchase:capchase-pay-api
  name: Capchase Pay API
  description: The Pay API from Capchase — 8 operation(s) for pay.
  humanURL: https://capchase.readme.io/reference
  baseURL: https://universe.capchase.com/api/v2
  tags:
  - Pay
  properties:
  - type: OpenAPI
    url: openapi/capchase-pay-api-openapi.yml
  - type: Authentication
    url: authentication/capchase-authentication.yml
  - type: ErrorCatalog
    url: errors/capchase-error-codes.yml
  - type: Conventions
    url: conventions/capchase-conventions.yml
  - type: DataModel
    url: data-model/capchase-data-model.yml
  - type: AgenticAccess
    url: agentic-access/capchase-agentic-access.yml
  - type: Arazzo
    url: arazzo/capchase-buyer-to-subscription.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: MCPServer
  url: mcp/capchase-mcp.yml
- type: Overlay
  url: overlays/capchase-pay-overlay.yaml
- type: Website
  url: https://www.capchase.com/
- type: DeveloperPortal
  url: https://capchase.readme.io/
- type: Documentation
  url: https://capchase.readme.io/docs
- type: APIReference
  url: https://capchase.readme.io/reference
- type: GettingStarted
  url: https://capchase.readme.io/docs/get-started
- type: Authentication
  url: authentication/capchase-authentication.yml
- type: GitHubOrganization
  url: https://github.com/Capchase
- type: Blog
  url: https://www.capchase.com/blog
- type: SignUp
  url: https://app.capchase.com/login
- type: TermsOfService
  url: https://www.capchase.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.capchase.com/privacy-policy
- type: Deprecation
  url: https://capchase.readme.io/reference/migrating-from-v1
- type: Compliance
  url: https://www.capchase.com/
- type: LLMsTxt
  url: llms/capchase-llms.txt
- type: Sandbox
  url: sandbox/capchase-sandbox.yml
- type: Conventions
  url: conventions/capchase-conventions.yml
- type: Lifecycle
  url: lifecycle/capchase-lifecycle.yml
- type: Conformance
  url: conformance/capchase-conformance.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/capchase-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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Capchase

Kin Score

APIs 1

Capchase Pay API

Open Collections 2

API Collection