Getbalance

Balance (Getbalance) provides financial infrastructure for B2B commerce. The platform offers embedded digital trade credit, B2B buy-now-pay-later (BNPL) financing at checkout, multi-rail B2B payments (ACH, wire, credit card, and global processing), marketplace payouts, and order-to-cash automation covering invoicing, collections, and cash application. Balance lets merchants and marketplaces offer net payment terms to business buyers while automating the entire invoice-to-cash workflow, with real-time credit intelligence and autonomous accounts receivable. It integrates with commerce platforms including Salesforce Commerce, Adobe Commerce (Magento), BigCommerce, and Shopify, and marketplace systems such as Mirakl, Logicbroker, and Nautical Commerce. Balance is a Y Combinator-backed fintech recognized on CNBC's World's Top Fintech Companies list.

Getbalance publishes 1 API on the APIs.io network. Tagged areas include Company, Payments, B2B Payments, Trade Credit, and Buy Now Pay Later.

Getbalance’s developer surface includes documentation, API reference, developer portal, signup flow, engineering blog, support, changelog, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

34.4/100 thin ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-14 · rubric v0.22.0

1 APIs

Company Payments B2B Payments Trade Credit Buy Now Pay Later Accounts Receivable Financial Infrastructure Fintech Order-to-Cash Embedded Finance Marketplace

Kin Score

Kin Score How this is scored →
scored 2026-09-14 · rubric v0.22.0

Composite quality — 34.4/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 5.7 / 17

Access Clarity 7.2 / 17

Operational Transparency 4.7 / 11

Contract Governance 1.9 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 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 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/getbalance: 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.

Balance API

The Balance API powers embedded B2B payments, digital trade credit, net terms, and order-to-cash automation. Developer documentation is gated behind a request form (ReadMe-hoste...

Security Posture 2

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

Getbalance Domain Security

TLSv1.3 · DMARC

SECURITY

Getbalance Vulnerability Disclosure

Hackerone · contact published

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

Portal

Portal

Login

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Conformance

Conformance

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Security

Security

Compliance

Compliance

VulnerabilityDisclosure

VulnerabilityDisclosure

Operate 4

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

ChangeLog

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: getbalance
name: Getbalance
description: Balance (Getbalance) provides financial infrastructure for B2B commerce. The platform offers embedded digital
  trade credit, B2B buy-now-pay-later (BNPL) financing at checkout, multi-rail B2B payments (ACH, wire, credit card, and global
  processing), marketplace payouts, and order-to-cash automation covering invoicing, collections, and cash application. Balance
  lets merchants and marketplaces offer net payment terms to business buyers while automating the entire invoice-to-cash workflow,
  with real-time credit intelligence and autonomous accounts receivable. It integrates with commerce platforms including Salesforce
  Commerce, Adobe Commerce (Magento), BigCommerce, and Shopify, and marketplace systems such as Mirakl, Logicbroker, and Nautical
  Commerce. Balance is a Y Combinator-backed fintech recognized on CNBC's World's Top Fintech Companies list.
url: https://raw.githubusercontent.com/api-evangelist/getbalance/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - 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: '2026-07-22'
  method: derived
image: https://www.getbalance.com/wp-content/uploads/2023/06/logo.svg
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Payments
- B2B Payments
- Trade Credit
- Buy Now Pay Later
- Accounts Receivable
- Financial Infrastructure
- Fintech
- Order-to-Cash
- Embedded Finance
- Marketplace
tags_raw:
- Company
- Payments
- B2B Payments
- Trade Credit
- BNPL
- Accounts Receivable
- Financial Infrastructure
- Fintech
- Order-to-Cash
- Embedded Finance
- Marketplace
apis:
- name: Balance API
  description: The Balance API powers embedded B2B payments, digital trade credit, net terms, and order-to-cash automation.
    Developer documentation is gated behind a request form (ReadMe-hosted) and the production API is served from api.getbalance.com.
  humanURL: https://www.getbalance.com/get-api
  baseURL: https://api.getbalance.com
  tags:
  - Payments
  - B2B Payments
  - Trade Credit
common:
- type: DomainSecurity
  url: security/getbalance-domain-security.yml
- type: Website
  url: https://www.getbalance.com/
- type: Documentation
  url: https://www.getbalance.com/get-api
- type: APIReference
  url: https://www.getbalance.com/get-api
- type: Portal
  url: https://dashboard.getbalance.com/
- type: Login
  url: https://dashboard.getbalance.com/
- type: SignUp
  url: https://www.getbalance.com/request-a-demo/
- type: Blog
  url: https://www.getbalance.com/blog/
- type: Support
  url: https://www.getbalance.com/contact-us/
- type: TermsOfService
  url: https://www.getbalance.com/legal/balance-website-terms
- type: PrivacyPolicy
  url: https://www.getbalance.com/legal/privacy-policy
- type: Security
  url: https://www.getbalance.com/legal/security-policy
- type: StatusPage
  url: https://status.getbalance.com/
- type: ChangeLog
  url: https://updates.getbalance.com/
- type: Integrations
  url: https://www.getbalance.com/products/integrations/
- type: ChangeLog
  url: changelog/getbalance-changelog.yml
- type: Lifecycle
  url: lifecycle/getbalance-lifecycle.yml
- type: Conformance
  url: conformance/getbalance-conformance.yml
- type: Compliance
  url: https://www.getbalance.com/legal/security-policy
- type: VulnerabilityDisclosure
  url: security/getbalance-vulnerability-disclosure.yml
- type: LLMsTxt
  url: llms/getbalance-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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