Debitura

Debitura is a B2B cross-border debt collection platform, API-first, with consumer claims taken on only as larger portfolios. Pricing is No Cure, No Pay: a success fee only when money is recovered, from 6% in Europe and 7.5% elsewhere. It publishes three separate public REST APIs, one per role in the network rather than one API with role-gated endpoints: the Customer API for creditors uploading invoices to collection and tracking cases, the Referral Partner API for platforms embedding collection as a referral and tracking revenue share, and the Collection Partner API for collection agencies operating cases on the platform. All three are OpenAPI 3.0.4, each on its own host, and each authenticates with an API key in the XApiKey header; the Customer API additionally accepts a bearer token, and the Referral Partner API exposes OAuth operations for minting them. Webhooks appear in all three, each with a paired test surface for exercising events before going live. Debitura publishes its own APIs.json at docs.debitura.com, which is how this profile was built.

Debitura publishes 3 API contracts indexed on the APIs.io network: Customer API, Referral Partner API, and Collection Partner API. Tagged areas include Debt Collection, Accounts Receivable, Debt Recovery, Fintech, and Payments.

The Debitura catalog on APIs.io includes 1 Spectral governance ruleset.

Debitura’s developer surface includes pricing, documentation, engineering blog, and 2 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

24.1/100 emerging ▬ flat Agent 41/100 agent native Front door AI 3/6 light saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

3 published contracts 1 MCP Servers

Debt Collection Accounts ReceivableDebt RecoveryFintech Payments Invoicing Webhook

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Financial Management

BC-200

CasesManagedCasesPayments

Developer Platform & API Ecosystem Management

BC-4270

Webhook EventsWebhooks

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 24.1/100 · emerging

Contract Quality 10.5 / 19

Developer Ergonomics 1.8 / 15

Access Clarity 1.3 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.2 / 9

Discoverability 5.3 / 8

Regulatory Posture 0.0 / 15

Create-or-Update Ergonomics 1.1 / 10

Agent readiness — 41/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 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 4 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 8.5 — up to +18.3 composite points Ask about this →
Developer Ergonomics scores 11.9 — up to +17.6 composite points Ask about this →
Operational Transparency scores 0.0 — up to +13.0 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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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 the provider profile at artifacts.apis.io/debitura/apis.yml: open an issue on github.com/api-evangelist/debitura to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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
Stripe App Marketplace and Partner Ecosystem (builders on Stripe)	builds-on	19.7 (thin)	1	-

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 2

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.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OpenAPI

measured — observed by APIs.io (published)

APIs 3

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

Debitura Customer API

For creditors: upload invoices to collection and track cases, with contracts, divisions, coverage, payments, tasks, users and webhooks.

Debitura Referral Partner API

For platforms embedding debt collection as a referral: refer and preview cases, manage referred clients, mint OAuth tokens, and report on referrals, with webhooks.

Debitura Collection Partner API

For collection agencies operating cases on the Debitura platform: work managed cases, run ingestion jobs, and manage users and webhooks.

Open Collections 3

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Debitura Collection Partner API

OPEN COLLECTION

Debitura Customer API

OPEN COLLECTION

Debitura Referral Partner API

OPEN COLLECTION

MCP Servers 1

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

Debitura MCP Server

Remote MCP server at mcp.debitura.com over HTTP; 16 tools listed.

MCP SERVER

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Debitura API Rules

65 rules · 46 error-severity 17 warn-severity 2 info-severity

SPECTRAL

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Commercial 1

Pricing, plans, and the legal terms of use

Pricing

Pricing

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

name: Debitura
description: 'Debitura is a B2B cross-border debt collection platform, API-first, with consumer claims taken on only as larger
  portfolios. Pricing is No Cure, No Pay: a success fee only when money is recovered, from 6% in Europe and 7.5% elsewhere.
  It publishes three separate public REST APIs, one per role in the network rather than one API with role-gated endpoints:
  the Customer API for creditors uploading invoices to collection and tracking cases, the Referral Partner API for platforms
  embedding collection as a referral and tracking revenue share, and the Collection Partner API for collection agencies operating
  cases on the platform. All three are OpenAPI 3.0.4, each on its own host, and each authenticates with an API key in the
  XApiKey header; the Customer API additionally accepts a bearer token, and the Referral Partner API exposes OAuth operations
  for minting them. Webhooks appear in all three, each with a paired test surface for exercising events before going live.
  Debitura publishes its own APIs.json at docs.debitura.com, which is how this profile was built.'
url: https://artifacts.apis.io/debitura/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-11-13'
  method: derived
created: '2026-08-01'
modified: '2026-10-06'
specificationVersion: '0.23'
tags:
- Debt Collection
- Accounts Receivable
- Debt Recovery
- Fintech
- Payments
- Invoicing
- Webhook
tags_raw:
- Debt Collection
- Accounts Receivable
- Debt Recovery
- FinTech
- Payments
- Invoicing
- Webhooks
apis:
- aid: debitura:debitura-customer-api
  name: Debitura Customer API
  description: 'For creditors: upload invoices to collection and track cases, with contracts, divisions, coverage, payments,
    tasks, users and webhooks.'
  humanURL: https://docs.debitura.com/clients
  baseURL: https://customer-api.debitura.com
  tags:
  - Cases
  - Contracts
  - Coverage
  - Divisions
  - Me
  - Payments
  - Task
  - Test Cases
  - TestWebhooks
  - User
  - Webhook Events
  - Webhook
  tags_raw:
  - Cases
  - Contracts
  - Coverage
  - Divisions
  - Me
  - Payments
  - Tasks
  - TestCases
  - TestWebhooks
  - Users
  - WebhookEvents
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/debitura-customer-api-openapi.yml
  - type: Documentation
    url: https://docs.debitura.com/clients
  - type: SignUp
    url: https://app.debitura.com/CreditorApiKey
- aid: debitura:debitura-referral-partner-api
  name: Debitura Referral Partner API
  description: 'For platforms embedding debt collection as a referral: refer and preview cases, manage referred clients, mint
    OAuth tokens, and report on referrals, with webhooks.'
  humanURL: https://docs.debitura.com/referral-partners
  baseURL: https://referral-api.debitura.com
  tags:
  - Cases
  - Clients
  - Coverage
  - FilterOptions
  - OAuth
  - PreviewCases
  - ReferralPartners
  - Reporting
  - Webhook
  tags_raw:
  - Cases
  - Clients
  - Coverage
  - FilterOptions
  - OAuth
  - PreviewCases
  - ReferralPartners
  - Reporting
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/debitura-referral-partner-api-openapi.yml
  - type: Documentation
    url: https://docs.debitura.com/referral-partners
- aid: debitura:debitura-collection-partner-api
  name: Debitura Collection Partner API
  description: 'For collection agencies operating cases on the Debitura platform: work managed cases, run ingestion jobs,
    and manage users and webhooks.'
  humanURL: https://docs.debitura.com/collection-partners
  baseURL: https://collectionpartner-api.debitura.com
  tags:
  - Cases
  - IngestionJobs
  - ManagedCases
  - Me
  - Test Cases
  - TestWebhooks
  - User
  - Webhook Events
  - Webhook
  tags_raw:
  - Cases
  - IngestionJobs
  - ManagedCases
  - Me
  - TestCases
  - TestWebhooks
  - Users
  - WebhookEvents
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/debitura-collection-partner-api-openapi.yml
  - type: Documentation
    url: https://docs.debitura.com/collection-partners
properties:
- type: Documentation
  url: https://docs.debitura.com
- type: APIsJSON
  url: https://docs.debitura.com/apis.json
maintainers:
- FN: Debitura
  url: https://debitura.com
  email: robin@debitura.com
x-evidence:
  source: https://docs.debitura.com/apis.json
  source_specification_version: '0.20'
  harvested: '2026-08-01'
  request: api-evangelist/api-evangelist-network#1
  probes:
  - https://docs.debitura.com/apis.json -> HTTP 200 (2026-08-01)
  - https://docs.debitura.com/openapi/customer-api.json -> HTTP 200, 44 paths / 53 ops / 81 schemas
  - https://docs.debitura.com/openapi/referral-partner-api.json -> HTTP 200, 17 paths / 22 ops / 81 schemas
  - https://docs.debitura.com/openapi/collection-partner-api.json -> HTTP 200, 38 paths / 48 ops / 68 schemas
  note: Built from the provider's own published APIs.json. Every API, documentation URL, OpenAPI URL and the signup link come
    from that document; operation, path and schema counts were measured from the fetched specs. Pricing, plans and rate limits
    are not asserted — nothing published was found to support them, so they are left for the enrichment pipeline rather than
    guessed.
x-refine-exempt:
  reason: NOT split one-per-tag. Debitura ships three APIs on three different hosts that share tag names (Cases, Webhooks,
    Me, Users, Coverage). refine-openapis merges a shared tag across source specs into one document, which collapses the three
    hosts into whichever server it processed last — the merged Cases document carried 31 operations from all three APIs under
    a single collectionpartner-api server, so two thirds of them pointed at a host that does not serve them. The specs are
    registered whole, exactly as Debitura publishes them, until the splitter can carry per-operation servers. See api-evangelist/roadmap#6.
common:
- type: Pricing
  url: https://www.debitura.com/pricing
  name: Debitura Pricing (No Cure, No Pay success fee)
- type: Documentation
  url: https://docs.debitura.com/
- url: https://www.debitura.com/blog
  type: Blog
- type: CapabilityMap
  url: capabilities/debitura-capability-edges.yml
  name: Debitura Business Capability Map
- type: Website
  url: https://debitura.com

Debitura API — frequently asked questions

Does Debitura have an API?

Yes. APIs.io lists 3 APIs from Debitura, including Debitura Customer API, Debitura Referral Partner API and Debitura Collection Partner API.

Is there an OpenAPI specification for the Debitura API?

Yes. APIs.io indexes 3 OpenAPI specifications for Debitura, each linked for download from this page.

How do I authenticate with the Debitura API?

Debitura uses bearer-token authentication.

Does Debitura have an MCP server?

Yes. APIs.io lists 1 MCP server for Debitura: Remote MCP server at mcp.debitura.com over HTTP; 16 tools listed.

Is the Debitura API ready for AI agents?

Debitura has a Kin Score of 24.1 out of 100 (emerging) and an Agent Readiness score of 40.5 (agent-native), scored by API Evangelist on 2026-11-13.

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