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 API contracts indexed 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 and 1 Spectral governance ruleset.
ChargeAfter’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, changelog, authentication, and 28 more developer resources.
What this lets a business do 3
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| MACH & Headless Commerce | builds-on | 34.5 (thin) | - | - |
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | builds-on | 34.5 (thin) | - | - |
| E-commerce Extension Marketplaces (Adobe Commerce / Magento, Shopware) | builds-on | 34.5 (thin) | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 3
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
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
Open Collections 12
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Chargeafter Accounts API
OPEN COLLECTIONChargeafter Applications V3 API
OPEN COLLECTIONCharge Charges API
OPEN COLLECTIONDistribution Checkout API
OPEN COLLECTIONConsumers Management Consumer Management API
OPEN COLLECTIONChargeafter Consumers V2 API
OPEN COLLECTIONFunding Fundings API
OPEN COLLECTIONDisputes Management Lenders API
OPEN COLLECTIONOmniLink Links API
OPEN COLLECTIONCharge Orders API
OPEN COLLECTIONCheckout Management Sessions V3 API
OPEN COLLECTIONCharge Transactions API
OPEN COLLECTIONScroll for all 12
MCP Servers 1
Model Context Protocol servers that expose these APIs to AI agents.
ChargeAfter MCP Server
ChargeAfter's WordPress marketing site (chargeafter.com, WP Engine) publishes a Model Context Protocol endpoint with full RFC 8414 + RFC 9728 discovery. This is a content/site M...
MCP SERVERAgent Skills 5
Packaged agent skills for driving this provider's APIs from an AI assistant.
ChargeAfter ecommerce checkout financing
AGENT SKILLChargeAfter funding reconciliation
AGENT SKILLChargeAfter lender dispute management
AGENT SKILLChargeAfter post-sale charge operations
AGENT SKILLEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Spectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
ChargeAfter API Rules
SPECTRALOpenAPI Overlays 13
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Chargeafter Charge Api Overlay
DERIVEDChargeafter Consumer Api Overlay
DERIVEDChargeafter Funding Api Overlay
DERIVEDChargeafter Omni Link Overlay
DERIVEDScroll for all 13
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 9
Pagination, idempotency, versioning, errors, and events
Scroll for all 9
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 3
Properties that don't map to a standard resource type
Source (apis.yml)
ChargeAfter API — frequently asked questions
Does ChargeAfter have an API?
Yes. APIs.io lists 12 APIs from ChargeAfter, including ChargeAfter Accounts API, ChargeAfter Applications V3 API and ChargeAfter Charges API, and 9 more.
Is there an OpenAPI specification for the ChargeAfter API?
Yes. APIs.io indexes 12 OpenAPI specifications for ChargeAfter, each linked for download from this page.
How do I authenticate with the ChargeAfter API?
ChargeAfter documents its authentication (apiKey/http · 3 schemes). The details are profiled on APIs.io as Chargeafter Authentication.
Does ChargeAfter have an MCP server?
Yes. APIs.io lists 1 MCP server for ChargeAfter: ChargeAfter's WordPress marketing site (chargeafter.com, WP Engine) publishes a Model Context Protocol endpoint with full RFC 8414 + RFC 9728 discovery. This is a content/site MCP server — it is NOT a
Is the ChargeAfter API ready for AI agents?
ChargeAfter has a Kin Score of 49.8 out of 100 (developing) and an Agent Readiness score of 48.8 (agent-ready), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.