# ChargeAfter

**Canonical:** https://apis.io/providers/chargeafter/  
**Website:** https://chargeafter.com/  
**APIs profiled:** 12

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.

## Kin Score — 50.1 / 100 (developing)

Scored 2026-08-12 under rubric 0.11.0. Trend: flat (+0.0 from 50.1).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 68.0 |
| Governance | 11.5 |
| Operational Transparency | 52.6 |
| Developer Ergonomics | 75.5 |
| Commercial Clarity | 23.7 |

Regulatory layer — **Payments**: 32.8 (matched via tags).

## Agent readiness — 60.6 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (12)

- **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.

## MCP servers (1)

- **chargeafter-mcp.yml**

## Security (2)

- **Chargeafter Authentication** — apiKey/http · 3 schemes
- **Chargeafter Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial Services, Payments, Lending, Buy Now Pay Later, Embedded Finance, Point of Sale, Ecommerce, Checkout, Consumer Credit, Retail

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