# Flip

**Canonical:** https://apis.io/providers/flip/  
**Website:** https://flip.id/  
**APIs profiled:** 3

Flip (PT Fliptech Lentera Inspirasi Pertiwi) is an Indonesian financial technology company offering low-cost interbank money transfers, bill payments, and cross-border remittance to consumers, and a "Flip for Business" (bigflip) suite of payment APIs to companies. The Flip for Business API lets businesses disburse money to any Indonesian bank or e-wallet (Money Transfer / Disbursement API), accept online payments via bank transfer, virtual accounts, e-wallets, cards, and retail outlets (Accept Payment API), and send international transfers (International Transfer API). The API is HTTP Basic authenticated with a secret key, supports IP whitelisting, idempotency keys, and signed callbacks/webhooks, and ships a sandbox environment plus WooCommerce and Magento 2 payment plugins. Flip is backed by Insight Partners, Lightspeed Venture Partners, and Y Combinator.

## Kin Score — 40.5 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 40.5).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 42.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Payments**: 31.3 (matched via tags).

## Agent readiness — 23.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (3)

- **Flip Money Transfer (Disbursement) API** — Disburse money programmatically to any Indonesian bank account or e-wallet. Create single and bulk disbursements, inquire bank accounts, list bank codes, and receive callbacks o...
- **Flip Accept Payment API** — Accept online payments from customers via bank transfer, virtual accounts, e-wallets, cards, QRIS, and retail outlets. Create payment links / bills, configure payment methods an...
- **Flip International Transfer API** — Send cross-border international transfers, including bulk international transfers, with recipient inquiry, request-for-information (RFI) handling, and transfer status callbacks.

## Security (2)

- **Flip Authentication** — http · 1 scheme
- **Flip Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Payments, Payment Gateway, Money Transfer, Disbursement, Remittance, Fintech, Indonesia, International Transfer, Banking

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