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 13 more developer resources.

🌐 Visit website 📡 Source on GitHub
45.3/100 developing Agent 46/100 agent ready Full breakdown ↓
scored 2026-07-20 · rubric v0.4
1 APIs 1 MCP Servers 0 Features
CompanyFintechPaymentsEmbedded FinanceFinancingB2B SaaSRevenue FinancingBNPLKYBUnderwriting

API Rating

API Evangelist API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4
Composite quality — 45.3/100 · developing
Contract Quality 13.7 / 25
Developer Ergonomics 12.2 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 46/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 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 5 / 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/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

Capchase Pay API

Capchase Pay v2 REST API — embedded B2B financing at checkout. Create and qualify buyer companies (KYB/underwriting), create subscriptions that generate hosted payment links wit...

MCP Servers

capchase-mcp.yml

MCP SERVER

Arazzo Workflows

Capchase Qualify a Buyer and Create a Financed Subscription

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

ARAZZO

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

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

Source (apis.yml)

apis.yml Raw ↑ 
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
specificationVersion: '0.20'
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:
- name: Capchase Pay API
  description: Capchase Pay v2 REST API — embedded B2B financing at checkout. Create and qualify buyer companies (KYB/underwriting),
    create subscriptions that generate hosted payment links with installment terms, list/retrieve subscription status, archive
    subscriptions, and fetch instalment receipt PDFs. HTTP Basic auth.
  humanURL: https://capchase.readme.io/reference
  baseURL: https://universe.capchase.com/api/v2
  tags:
  - Payments
  - Financing
  - Embedded Finance
  - Buyers
  - Subscriptions
  properties:
  - type: OpenAPI
    url: openapi/capchase-pay-openapi.yml
  - type: Authentication
    url: authentication/capchase-authentication.yml
  - type: Overlay
    url: overlays/capchase-pay-overlay.yaml
  - 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: MCPServer
    url: mcp/capchase-mcp.yml
  - type: AgenticAccess
    url: agentic-access/capchase-agentic-access.yml
  - type: Arazzo
    name: Qualify a buyer and create a financed subscription
    url: arazzo/capchase-buyer-to-subscription.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- 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