Capchase website screenshot

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
46.7/100 developing ▬ flat Agent 29/100 agent aware Full breakdown ↓
scored 2026-08-10 · rubric v0.9.1
AccessSelf serve
1 APIs
CompanyFintechPaymentsEmbedded FinanceFinancingB2B SaaSRevenue FinancingBNPLKYBUnderwriting

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-10 · rubric v0.9.1
Composite quality — 46.7/100 · developing
Contract Quality 14.4 / 25
Developer Ergonomics 11.2 / 20
Commercial Clarity 8.4 / 20
Operational Transparency 1.7 / 13
Governance 2.5 / 12
Discoverability 8.7 / 10
Agent readiness — 29/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
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
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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.

Capchase Pay API

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

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
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
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: '0.20'
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:
- 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: 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