# Hokodo

**Canonical:** https://apis.io/providers/hokodo/  
**Website:** https://www.hokodo.co/  
**APIs profiled:** 1

Hokodo is a London-based B2B payments and embedded trade-credit fintech that lets merchants and B2B marketplaces offer digital trade accounts and Buy Now, Pay Later at checkout. Buyers get instant credit decisions and flexible terms (30/60/90-day payment terms, instalments, and consolidated trade accounts) while Hokodo underwrites the credit risk, finances the invoice, and protects the merchant against non-payment. The platform is delivered through a versioned REST API (https://api.hokodo.co/v1/) covering companies, customers, credit offers, orders and payment plans, plus prebuilt Magento modules and a JavaScript SDK. Hokodo is backed by Anthemis and other investors and operates across the UK and Europe.

## Kin Score — 22.9 / 100 (emerging)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 22.9).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 41.7 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

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

## Agent readiness — 5.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| 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 (1)

- **Hokodo BNPL API** — Hokodo's B2B Buy Now, Pay Later REST API. Create companies and customers, request credit offers, place orders, and manage deferred payment plans and trade accounts. Versioned at...

## Security (2)

- **Hokodo Authentication** — apiKey · 1 scheme
- **Hokodo Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, B2B Payments, Buy Now Pay Later, Trade Credit, Embedded Finance, Invoice Financing, Payments API

---

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