Jifiti

aid: jifiti
name: Jifiti
description: Through our white-labeled platform, banks and lenders embed their loans at any point of sale, giving merchants
  access to the most competitive business and consumer loan programs from lenders their customers trust. Jifiti provides a
  fast, secure, and stable API for embedded lending and Buy Now Pay Later solutions.
type: Index
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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  probe_state: gated
  source:
  - finops
  - rate-limits
  - security
  generated: '2026-11-13'
  method: derived
position: Consuming
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/jifiti.png
tags:
- Banking
- Buy Now Pay Later
- Embedded Finance
- Embedded Lending
- Fintech
- Lending
- Payments
- POS Financing
- White Label
created: '2025-02-24'
modified: '2026-08-27'
url: https://raw.githubusercontent.com/api-evangelist/jifiti/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- aid: jifiti:bnpl-api
  name: Jifiti Buy Now Pay Later API
  description: Jifiti's Buy Now Pay Later API enables merchants and lenders to offer split payment and consumer financing
    options, including one-time loans and revolving lines of credit.
  humanURL: https://www.jifiti.com/api/
  tags:
  - Buy Now Pay Later
  - Consumer Financing
  - Payments
  properties:
  - type: Documentation
    url: https://www.jifiti.com/api/
- aid: jifiti:lending-api
  name: Jifiti Embedded Lending API
  description: Jifiti's Embedded Lending API for banks and lenders provides detailed guides and component diagrams to help
    map lending solutions with the Jifiti platform.
  humanURL: https://www.jifiti.com/lending-api/
  tags:
  - Banking
  - Embedded Lending
  - Lenders
  properties:
  - type: Documentation
    url: https://www.jifiti.com/lending-api/
common:
- type: TrustCenter
  url: security/jifiti-trust-center.yml
- type: Compliance
  url: https://www.jifiti.com/compliance/
- type: Conformance
  url: conformance/jifiti-conformance.yml
- type: DomainSecurity
  url: security/jifiti-domain-security.yml
- type: Lifecycle
  url: lifecycle/jifiti-lifecycle.yml
- type: StatusPage
  url: https://status.jifiti.com
- type: Plans
  url: plans/jifiti-plans-pricing.yml
- type: RateLimits
  url: rate-limits/jifiti-rate-limits.yml
- type: FinOps
  url: finops/jifiti-finops.yml
- type: LLMsTxt
  url: llms/jifiti-llms.txt
- type: LinkedIn
  url: https://www.linkedin.com/company/jifiti
- type: Website
  url: https://www.jifiti.com
- type: Portal
  url: https://www.jifiti.com/api/
- type: Documentation
  url: https://www.jifiti.com/api/
- type: Support
  url: https://www.jifiti.com/faq/
- type: TermsOfService
  url: https://www.jifiti.com/terms/
- type: PrivacyPolicy
  url: https://www.jifiti.com/privacy-notice/
- url: https://www.jifiti.com/news/feed/
  type: Blog
- type: UsageTerms
  url: terms/jifiti-terms-of-service.yml
- type: DataProcessing
  url: privacy/jifiti-privacy-policy.yml
- type: Attestations
  url: compliance/jifiti-compliance.yml
- type: Eligibility
  url: eligibility/jifiti-eligibility.yml
- type: DataLicense
  url: data-license/jifiti-data-license.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-enrichment:
  date: '2026-08-27'
  status: minimal
  artifacts_added: 6
  pass: local-v1
x-coverage:
  state: gated
  reason: partner-login
  detail: Both Jifiti developer hubs are ReadMe.io sites behind a site-wide password — developers.jifiti.com ("CRED API")
    and lenders.jifiti.com ("jifiti4lenders") 302 every path, including /openapi.json and /llms.txt, to /password?redirect=...
    — and the only way to the password is a "Developer Access Request" form on www.jifiti.com/api/ that asks for company name
    and job title before granting one of "API for Lenders", "API for Merchants" or "Lending MCP (Alpha)".
  evidence:
  - url: https://developers.jifiti.com/openapi.json
    status: 302
  - url: https://lenders.jifiti.com/reference
    status: 302
  - url: https://api.jifiti.com/openapi.json
    status: 403
  - url: https://www.jifiti.com/api/
    status: 200
  checked: '2026-08-27'