# Capchase

**Canonical:** https://apis.io/providers/capchase/  
**Website:** https://www.capchase.com/  
**APIs profiled:** 1

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.

## Kin Score — 41.7 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 41.7).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 52.4 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 6.6 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 21.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

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

## MCP servers (1)

- **Capchase MCP Server**

## Agentic access (1)

- **Capchase Agentic Access** — 9 operations · 5 acting · 5 human-in-the-loop

## Security (2)

- **Capchase Authentication** — http · 1 scheme
- **Capchase Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Payments, Embedded Finance, Financing, B2B SaaS, Revenue Financing, BNPL, KYB, Underwriting

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/capchase/). Scores are computed from the provider's own public artifacts under a published rubric.