ChargeAfter

ChargeAfter is an embedded lending and point-of-sale financing platform that connects merchants to an independent network of 40+ lenders, returning personalized consumer financing offers at checkout across online, in-store, and call-center channels. Merchants integrate through a client-side JavaScript SDK (Apply, Checkout, and promotional widgets), through ecommerce plugins for Shopify, Magento 2, WooCommerce, BigCommerce, NopCommerce, Shopware and Miva, or directly against a bearer-authenticated REST API that covers sessions and offers, application status, accounts, charges (settle, refund, void, delivery), consumer lookup, funding reconciliation reports, omni-link generation, and lender dispute management. The merchant back office is Operate, and event notifications are delivered as webhooks.

ChargeAfter publishes 12 APIs on the APIs.io network, including Accounts API, Applications V3 API, Charges API, and 9 more. Tagged areas include Financial Services, Payments, Lending, Buy Now Pay Later, and Embedded Finance.

The ChargeAfter catalog on APIs.io includes 1 event-driven AsyncAPI specification.

ChargeAfter’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, changelog, authentication, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub
50.1/100 developing ▬ flat Agent 61/100 agent native Full breakdown ↓
scored 2026-08-12 · rubric v0.11.0
12 APIs 1 MCP Servers
Financial ServicesPaymentsLendingBuy Now Pay LaterEmbedded FinancePoint of SaleEcommerceCheckoutConsumer CreditRetail

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-12 · rubric v0.11.0
Composite quality — 50.1/100 · developing
Contract Quality 14.5 / 21
Developer Ergonomics 12.8 / 17
Commercial Clarity 4.0 / 17
Operational Transparency 5.8 / 11
Governance 1.2 / 10
Discoverability 6.9 / 9
Regulatory Posture 4.9 / 15
Agent readiness — 61/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 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
Regulatory Posture applies to this provider. Its tags matched the Payments 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/chargeafter: 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 12

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

ChargeAfter Accounts API

The Accounts API from ChargeAfter — 10 operation(s) for accounts.

ChargeAfter Applications V3 API

The ApplicationsV3 API from ChargeAfter — 2 operation(s) for applicationsv3.

ChargeAfter Charges API

The Charges API from ChargeAfter — 8 operation(s) for charges.

ChargeAfter Checkout API

The Checkout API from ChargeAfter — 2 operation(s) for checkout.

ChargeAfter Consumer Management API

The Consumer Management API from ChargeAfter — 3 operation(s) for consumer management.

ChargeAfter Consumers V2 API

The ConsumersV2 API from ChargeAfter — 4 operation(s) for consumersv2.

ChargeAfter Fundings API

The Fundings API from ChargeAfter — 1 operation(s) for fundings.

ChargeAfter Lenders API

The Lenders API from ChargeAfter — 7 operation(s) for lenders.

ChargeAfter Links API

The Links API from ChargeAfter — 3 operation(s) for links.

ChargeAfter Orders API

The Orders API from ChargeAfter — 1 operation(s) for orders.

ChargeAfter Sessions V3 API

The SessionsV3 API from ChargeAfter — 1 operation(s) for sessionsv3.

ChargeAfter Transactions API

The Transactions API from ChargeAfter — 2 operation(s) for transactions.

Scroll for all 12

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

chargeafter-mcp.yml

MCP SERVER

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Chargeafter Notifications Webhooks

ASYNCAPI

Security Posture 2

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

Chargeafter Authentication

apiKey/http · 3 schemes

SECURITY

Chargeafter Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Login
Login
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgentSkill
AgentSkill

Design & Contract 9

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle
 Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 ErrorCodes
ErrorCodes
 DataModel
DataModel
 Conformance
Conformance
 Components
Components
 Webhooks
Webhooks

Scroll for all 9

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs

Access & Security 2

Authentication, authorization, and security posture

Authentication
Authentication
 DomainSecurity
DomainSecurity

Operate 5

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 Deprecation
Deprecation
 ChangeLog
ChangeLog
 ChangeLog
ChangeLog

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 2

Properties that don't map to a standard resource type

Overlay
Overlay
 APICatalog
APICatalog

Source (apis.yml)

apis.yml Raw ↑ 
aid: chargeafter
name: ChargeAfter
description: ChargeAfter is an embedded lending and point-of-sale financing platform that connects merchants to an independent
  network of 40+ lenders, returning personalized consumer financing offers at checkout across online, in-store, and call-center
  channels. Merchants integrate through a client-side JavaScript SDK (Apply, Checkout, and promotional widgets), through ecommerce
  plugins for Shopify, Magento 2, WooCommerce, BigCommerce, NopCommerce, Shopware and Miva, or directly against a bearer-authenticated
  REST API that covers sessions and offers, application status, accounts, charges (settle, refund, void, delivery), consumer
  lookup, funding reconciliation reports, omni-link generation, and lender dispute management. The merchant back office is
  Operate, and event notifications are delivered as webhooks.
url: https://raw.githubusercontent.com/api-evangelist/chargeafter/refs/heads/main/apis.yml
image: https://chargeafter.com/wp-content/uploads/2025/08/OG-Images.png
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Financial Services
- Payments
- Lending
- Buy Now Pay Later
- Embedded Finance
- Point of Sale
- Ecommerce
- Checkout
- Consumer Credit
- Retail
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: chargeafter:chargeafter-accounts-api
  name: ChargeAfter Accounts API
  description: The Accounts API from ChargeAfter — 10 operation(s) for accounts.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-accounts-api-openapi.yml
- aid: chargeafter:chargeafter-applicationsv3-api
  name: ChargeAfter Applications V3 API
  description: The ApplicationsV3 API from ChargeAfter — 2 operation(s) for applicationsv3.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - ApplicationsV3
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-applicationsv3-api-openapi.yml
- aid: chargeafter:chargeafter-charges-api
  name: ChargeAfter Charges API
  description: The Charges API from ChargeAfter — 8 operation(s) for charges.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Charges
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-charges-api-openapi.yml
- aid: chargeafter:chargeafter-checkout-api
  name: ChargeAfter Checkout API
  description: The Checkout API from ChargeAfter — 2 operation(s) for checkout.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-checkout-api-openapi.yml
- aid: chargeafter:chargeafter-consumer-management-api
  name: ChargeAfter Consumer Management API
  description: The Consumer Management API from ChargeAfter — 3 operation(s) for consumer management.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Consumer Management
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-consumer-management-api-openapi.yml
- aid: chargeafter:chargeafter-consumersv2-api
  name: ChargeAfter Consumers V2 API
  description: The ConsumersV2 API from ChargeAfter — 4 operation(s) for consumersv2.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - ConsumersV2
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-consumersv2-api-openapi.yml
- aid: chargeafter:chargeafter-fundings-api
  name: ChargeAfter Fundings API
  description: The Fundings API from ChargeAfter — 1 operation(s) for fundings.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Fundings
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-fundings-api-openapi.yml
- aid: chargeafter:chargeafter-lenders-api
  name: ChargeAfter Lenders API
  description: The Lenders API from ChargeAfter — 7 operation(s) for lenders.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Lenders
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-lenders-api-openapi.yml
- aid: chargeafter:chargeafter-links-api
  name: ChargeAfter Links API
  description: The Links API from ChargeAfter — 3 operation(s) for links.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Links
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-links-api-openapi.yml
- aid: chargeafter:chargeafter-orders-api
  name: ChargeAfter Orders API
  description: The Orders API from ChargeAfter — 1 operation(s) for orders.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-orders-api-openapi.yml
- aid: chargeafter:chargeafter-sessionsv3-api
  name: ChargeAfter Sessions V3 API
  description: The SessionsV3 API from ChargeAfter — 1 operation(s) for sessionsv3.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - SessionsV3
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-sessionsv3-api-openapi.yml
- aid: chargeafter:chargeafter-transactions-api
  name: ChargeAfter Transactions API
  description: The Transactions API from ChargeAfter — 2 operation(s) for transactions.
  humanURL: https://docs.chargeafter.com/reference/post_v2-post-sale-charges
  baseURL: https://api.chargeafter.com
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/chargeafter-transactions-api-openapi.yml
common:
- type: Overlay
  url: overlays/chargeafter-charge-api-overlay.yaml
- type: Website
  url: https://chargeafter.com/
- type: DeveloperPortal
  url: https://docs.chargeafter.com/
- type: Documentation
  url: https://docs.chargeafter.com/docs/overview
- type: APIReference
  url: https://docs.chargeafter.com/reference/api-overview
- type: GettingStarted
  url: https://docs.chargeafter.com/docs/getting-started-for-ecomm
- type: Support
  url: https://chargeafter.com/contact-us/
- type: Blog
  url: https://chargeafter.com/blog/
- type: GitHubOrganization
  url: https://github.com/chargeafter
- type: Login
  url: https://operate.chargeafter.com/
- type: PrivacyPolicy
  url: https://chargeafter.com/privacy-policy/
- type: StatusPage
  url: https://chargeafter.statuspage.io/
- type: Deprecation
  url: https://docs.chargeafter.com/reference/api-changes-guidelines
- type: ChangeLog
  url: https://docs.chargeafter.com/changelog
- type: ChangeLog
  url: changelog/chargeafter-changelog.yml
- type: Lifecycle
  url: lifecycle/chargeafter-lifecycle.yml
- type: Authentication
  url: authentication/chargeafter-authentication.yml
- type: Conventions
  url: conventions/chargeafter-conventions.yml
- type: Idempotency
  url: conventions/chargeafter-conventions.yml
- type: ErrorCatalog
  url: errors/chargeafter-problem-types.yml
- type: ErrorCodes
  url: errors/chargeafter-error-codes.yml
- type: DataModel
  url: data-model/chargeafter-data-model.yml
- type: Conformance
  url: conformance/chargeafter-conformance.yml
- type: Packages
  url: packages/chargeafter-packages.yml
- type: SDKs
  url: packages/chargeafter-packages.yml
- type: Components
  url: components/chargeafter-components.yml
- type: Sandbox
  url: sandbox/chargeafter-sandbox.yml
- type: Webhooks
  url: asyncapi/chargeafter-notifications-webhooks.yml
- type: WellKnown
  url: well-known/chargeafter-well-known.yml
- type: APICatalog
  url: https://docs.chargeafter.com/.well-known/api-catalog
- type: LLMsTxt
  url: llms/chargeafter-llms.txt
- type: MCPServer
  url: mcp/chargeafter-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/chargeafter-domain-security.yml
x-enrichment:
  date: '2026-08-09'
  status: enriched
  artifacts_added: 64
  pass: local-v1