Clerq

Clerq provides a next‑generation bank payments platform that enables businesses to accept low‑cost, guaranteed payments directly from customers’ bank accounts, both online and in‑store. By integrating with over 5,000 banks, Clerc reduces card processing fees by up to 75 % and offers chargeback guarantees, helping merchants increase conversion and cut costs. The platform serves sectors such as automotive, powersports, and e‑commerce, offering developer tools, sandbox environments, and comprehensive documentation.

Clerq is listed with 1 API on the APIs.io network. Tagged areas include Payments, Fintech, Banking, API, and B2B.

Clerq’s developer surface includes support, engineering blog, documentation, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
13.9/100 emerging Agent 3/100 human only Full breakdown ↓
scored 2026-10-09 · rubric v0.23.0
1 API
PaymentsFintechBankingAPIB2B

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-09 · rubric v0.23.0
Composite quality — 13.9/100 · emerging
Contract Quality 0.0 / 21
Developer Ergonomics 2.8 / 17
Access Clarity 3.6 / 17
Operational Transparency 1.7 / 11
Contract Governance 0.0 / 10
Discoverability 4.9 / 9
Regulatory Posture 1.7 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 12 / 12
Machine-Readable Auth 0 / 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 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
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/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/clerq: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

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

Clerq API

Clerq provides a next‑generation bank payments platform with developer tools and sandbox environments.

Security Posture 1

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

Clerq Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown

Access & Security 2

Authentication, authorization, and security posture

SecurityTxt
SecurityTxt
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Blog
Blog
 Website
Website

Other 2

Properties that don't map to a standard resource type

Hosts
Hosts
 Vendors
Vendors

Source (apis.yml)

apis.yml Raw ↑ 
aid: clerq
name: Clerq
image: https://cdn.prod.website-files.com/676951a41dbbf55924fcf5bc/676ac6bea62814a1d991a40e_Frame%201321315344%20(1).png
description: Clerq provides a next‑generation bank payments platform that enables businesses to accept low‑cost, guaranteed
  payments directly from customers’ bank accounts, both online and in‑store. By integrating with over 5,000 banks, Clerc reduces
  card processing fees by up to 75 % and offers chargeback guarantees, helping merchants increase conversion and cut costs.
  The platform serves sectors such as automotive, powersports, and e‑commerce, offering developer tools, sandbox environments,
  and comprehensive documentation.
url: https://raw.githubusercontent.com/api-evangelist/clerq/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-09 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-08'
modified: '2026-10-08'
tags:
- Payments
- Fintech
- Banking
- API
- B2B
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: SecurityTxt
  url: well-known/clerq-status-security.txt
- type: WellKnown
  url: well-known/clerq-well-known.yml
- type: Hosts
  url: hosts/clerq-hosts.yml
- type: Vendors
  url: vendors/clerq-vendors.yml
- type: TermsOfService
  url: https://www.clerq.io/terms-of-service
- type: Support
  url: https://www.clerq.io/support
- type: StatusPage
  url: https://status.clerq.io/
- type: PrivacyPolicy
  url: https://www.clerq.io/privacy-policy
- type: Blog
  url: https://www.clerq.io/blog
- type: Documentation
  url: https://docs.clerq.io/
- type: DomainSecurity
  url: security/clerq-domain-security.yml
- type: Website
  url: https://www.clerq.io/
apis:
- name: Clerq API
  description: Clerq provides a next‑generation bank payments platform with developer tools and sandbox environments.
  humanURL: https://docs.clerq.io/
  aid: clerq:clerq-api
x-coverage:
  state: gated
  reason: partner-login
  detail: API spec at https://api.clerq.io/openopenapi.json requires authentication, returning 401 Unauthorized.
  evidence:
  - url: https://api.clerq.io/openapi.json
    status: 401
  checked: '2026-10-09'
x-enrichment:
  date: '2026-10-09'
  status: enriched
  artifacts_added: 6
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

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