# flowpay.io

**Canonical:** https://apis.io/providers/flowpayio/  
**Website:** https://flowpay.io/  
**APIs profiled:** 2

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.

## Kin Score — 41.8 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 41.8).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 45.1 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 32.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| 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 |

## Access

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

## APIs (2)

- **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)

- **flowpay.io MCP Server**

## Security (2)

- **Flowpayio Authentication** — oauth2/apiKey · 2 schemes
- **Flowpayio Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Financing, Lending, Embedded Finance, Fintech, SME, Open Banking, Payments

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