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

43.7/100 developing ▬ flat Agent 21/100 agent aware Front door AI 3/6 light saas Full breakdown ↓
scored 2026-09-19 · rubric v0.22.0

1 APIs

Company Fintech Payments Embedded Finance Financing B2B SaaSRevenue FinancingBuy Now Pay Later KYB Underwriting

Kin Score

Kin Score How this is scored →
scored 2026-09-19 · rubric v0.22.0

Composite quality — 43.7/100 · developing

Contract Quality 9.8 / 19

Developer Ergonomics 7.1 / 15

Access Clarity 4.3 / 15

Operational Transparency 0.6 / 10

Contract Governance 1.6 / 9

Discoverability 5.7 / 8

Regulatory Posture 6.8 / 15

Create-or-Update Ergonomics 2.8 / 10

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 Well-Known Document 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.

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/capchase: 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 1

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

Capchase Pay API

The Pay API from Capchase — 8 operation(s) for pay.

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Capchase Pay API

OPEN COLLECTION

Arazzo Workflows 1

Multi-step API workflows described with the Arazzo specification.

Capchase Qualify a Buyer and Create a Financed Subscription

Create a buyer, confirm qualification, then create a financed subscription and read its status.

ARAZZO

Security Posture 2

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

Capchase Authentication

http · 1 scheme

SECURITY

Capchase Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Capchase Agentic Access

9 operations · 5 acting · 5 human-in-the-loop

9 operations · 5 acting

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

X-MCPServerCandidate

X-MCPServerCandidate

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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  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
- Buy Now Pay Later
- KYB
- Underwriting
tags_raw:
- 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: X-MCPServerCandidate
  url: mcp/capchase-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- 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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