flowpay.io

Flowpay is an embedded-lending fintech that provides fast, flexible, non-purpose financing of up to EUR 100,000 to small and medium-sized businesses across the Czech Republic, Slovakia, and the Netherlands. Its AI-driven platform lets e-commerce, point-of-sale, accounting, and banking partners embed an end-to-end lending journey - customer onboarding and identity verification, open-banking and sales-transaction data ingestion, personalized offer generation, and financing origination, document signing, and repayment - directly into their own products via a REST partner API, hosted iframe/linkout surfaces, and a modular JavaScript/React embed SDK. Authentication is OAuth 2.0 client-credentials (Auth0), with HMAC-SHA256 signed webhooks for customer-scoring and financing-state events. Flowpay is a Techstars-backed company.

flowpay.io publishes 2 APIs on the APIs.io network. Tagged areas include Company, Financing, Lending, Embedded Finance, and Fintech.

The flowpay.io catalog on APIs.io includes 1 event-driven AsyncAPI specification.

flowpay.io’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, signup flow, authentication, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.8/100 developing ▬ flat Agent 33/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

2 APIs 1 MCP Servers

CompanyFinancingLendingEmbedded FinanceFintechSMEOpen BankingPayments

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 41.8/100 · developing

Contract Quality 9.6 / 21

Developer Ergonomics 12.1 / 17

Access Clarity 4.7 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.5 / 10

Discoverability 7.4 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 33/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

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.

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/. This rating is computed from github.com/api-evangelist/flowpayio: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

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

Flowpay Partner API

Flowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service activation, open-banking account and transaction ingestion, offer reque...

Flowpay Sales Transactions API

Partner-implemented endpoint (GET /v1/sales) that supplies Flowpay with a merchant's paginated sales/order history (status, delivery, payment, currency, totals, line items) so F...

MCP Servers 1

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

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

AsyncAPI

AsyncAPI

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

LLMsTxt

LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Webhooks

DataModel

Conformance

Components

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: flowpayio
name: flowpay.io
description: Flowpay is an embedded-lending fintech that provides fast, flexible, non-purpose financing of up to EUR 100,000
  to small and medium-sized businesses across the Czech Republic, Slovakia, and the Netherlands. Its AI-driven platform lets
  e-commerce, point-of-sale, accounting, and banking partners embed an end-to-end lending journey - customer onboarding and
  identity verification, open-banking and sales-transaction data ingestion, personalized offer generation, and financing origination,
  document signing, and repayment - directly into their own products via a REST partner API, hosted iframe/linkout surfaces,
  and a modular JavaScript/React embed SDK. Authentication is OAuth 2.0 client-credentials (Auth0), with HMAC-SHA256 signed
  webhooks for customer-scoring and financing-state events. Flowpay is a Techstars-backed company.
url: https://raw.githubusercontent.com/api-evangelist/flowpayio/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: profiled
x-tier-reason: enriched-from-public-developer-surface
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://cdn.prod.website-files.com/67f67c483b46bf33a3c28b20/688a66eddaf45373ea01c930_OG%20(2).png
tags:
- Company
- Financing
- Lending
- Embedded Finance
- Fintech
- SME
- Open Banking
- Payments
apis:
- name: Flowpay Partner API
  description: Flowpay's REST partner API for the Fully Embedded (Native) lending flow - customer onboarding and service activation,
    open-banking account and transaction ingestion, offer request/recalculation/retrieval, and financing origination and management.
    JSON over HTTPS, OAuth 2.0 client-credentials, HAL-style error envelope, HMAC-signed webhooks.
  humanURL: https://developers.flowpay.io/specifications/fully-embedded-api/
  baseURL: https://api.flowpay.io
  tags:
  - Lending
  - Embedded Finance
  - Open Banking
  properties:
  - type: Documentation
    url: https://developers.flowpay.io/specifications/fully-embedded-api/
  - type: Sandbox
    url: sandbox/flowpayio-sandbox.yml
- name: Flowpay Sales Transactions API
  description: Partner-implemented endpoint (GET /v1/sales) that supplies Flowpay with a merchant's paginated sales/order
    history (status, delivery, payment, currency, totals, line items) so Flowpay can score and personalize financing offers.
    Supports API-key or OAuth 2.0 auth and incremental sync via updatedAt.
  humanURL: https://developers.flowpay.io/specifications/sales-transactions-api/
  baseURL: https://api.flowpay.io
  tags:
  - Open Banking
  - Data
  properties:
  - type: Documentation
    url: https://developers.flowpay.io/specifications/sales-transactions-api/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/flowpayio-domain-security.yml
- type: Website
  url: https://flowpay.io/
- type: DeveloperPortal
  url: https://developers.flowpay.io/
- type: Documentation
  url: https://developers.flowpay.io/
- type: APIReference
  url: https://developers.flowpay.io/specifications/fully-embedded-api/
- type: GettingStarted
  url: https://developers.flowpay.io/
- type: Blog
  url: https://www.flowpay.io/blog
- type: Support
  url: https://www.flowpay.io/contact
- type: SignUp
  url: https://my.flowpay.io/signup
- type: Login
  url: https://my.flowpay.io/signin
- type: TermsOfService
  url: https://www.flowpay.io/terms-of-use
- type: PrivacyPolicy
  url: https://www.flowpay.io/privacy-policy
- type: GitHubOrganization
  url: https://github.com/flowpay-io
- type: Authentication
  url: authentication/flowpayio-authentication.yml
- type: Conventions
  url: conventions/flowpayio-conventions.yml
- type: ErrorCatalog
  url: errors/flowpayio-problem-types.yml
- type: Lifecycle
  url: lifecycle/flowpayio-lifecycle.yml
- type: Sandbox
  url: sandbox/flowpayio-sandbox.yml
- type: AsyncAPI
  url: asyncapi/flowpayio-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/flowpayio-webhooks-asyncapi.yml
- type: DataModel
  url: data-model/flowpayio-data-model.yml
- type: Conformance
  url: conformance/flowpayio-conformance.yml
- type: Packages
  url: packages/flowpayio-packages.yml
- type: SDKs
  url: packages/flowpayio-packages.yml
- type: Components
  url: components/flowpayio-components.yml
- type: MCPServer
  url: mcp/flowpayio-mcp.yml
- type: LLMsTxt
  url: llms/flowpayio-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

flowpay.io

Kin Score

APIs 2

Flowpay Partner API

Flowpay Sales Transactions API

MCP Servers 1

flowpay.io MCP Server

Event Specifications 1

Flowpay Webhooks

Security Posture 2

Flowpayio Authentication

Flowpayio Domain Security

Resources