Jodo

Jodo is a Bengaluru-based fintech that automates fee collection for Indian educational institutes — schools, colleges, universities, coaching centres and skilling institutes. Founded in 2020 by Atulya Bhat, Raghav Nagarajan and Koustav Dey, the company says it serves 5,000+ institutes across 90+ cities and has processed over INR 30,000 crore in fees for 25 lakh+ students. Jodo ships three products on one platform: Flex (structured fees paid in instalments through an auto-debit mandate), Pay (student-linked collections, hosted checkout orders and shareable payment links) and Cred (education loans originated with NBFC lending partners). Its public ERP Integrations API lets an institute's ERP, finance or student-information system register users and students, sync fee structures and discounts, reconcile manual payments, configure instalment schedules, create checkout orders and payment links, and manage webhook subscriptions. Jodo publishes a substantial developer reference at docs.jodo.in covering 25 REST operations and 36 webhook events, with documented UAT and production environments, Basic Auth, an error code registry, a retry and idempotency policy, HMAC SHA-256 webhook signatures and published source IP ranges — but no machine-readable OpenAPI or AsyncAPI document, and no public pricing.

Jodo publishes 6 API contracts indexed on the APIs.io network, including Webhooks, Configuration API, Flex API, and 3 more. Tagged areas include Company, Payments, Education, Fintech, and Fee Collection.

The Jodo catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Jodo’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, engineering blog, support, and 29 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

44.0/100 developing ▬ flat Agent 25/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

1 published contract 4 Agent Skills

Company Payments Education FintechFee CollectionLending India Webhook ERP Integration Financial Services

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 44.0/100 · developing

Contract Quality 4.6 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 8.0 / 15

Operational Transparency 4.2 / 10

Contract Governance 1.6 / 9

Discoverability 5.0 / 8

Regulatory Posture 3.2 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 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 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 24.7 — up to +18.8 composite points Ask about this →
Contract Governance scores 18.2 — up to +9.8 composite points Ask about this →
Access Clarity scores 53.2 — up to +9.4 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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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 the provider profile at artifacts.apis.io/jodo/apis.yml: open an issue on github.com/api-evangelist/jodo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	undeclared	-	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

AsyncAPI

measured — observed by APIs.io (published)

APIs 6

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

Jodo Webhooks

Event delivery surface for the Jodo platform. Jodo POSTs 36 documented events across student master data, manual payments, Flex subscriptions/mandates/instalments, Pay collectio...

Jodo Configuration API

Institute reference data (branches, grades, fee components, discounts) and webhook subscriptions.

Jodo Flex API

Flexible instalment plans backed by an auto-debit mandate.

Jodo Pay API

Checkout orders and shareable hosted payment links.

Jodo Students API

Student master data, fee structures and manual payment reconciliation.

Jodo Users API

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

jodo-collect-adhoc-payment

AGENT SKILL

jodo-flex-instalment-plan

AGENT SKILL

jodo-onboard-student-push

AGENT SKILL

jodo-receive-webhooks

AGENT SKILL

Jodo API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Jodo Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Jodo Rate Limits

0 limits

RATE LIMITS

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Jodo

9 quoted statements, read from Jodo's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Jodo

16 quoted statements, read from Jodo's own page on 2026-11-09.

PRIVACY

Compliance 1

Attestations the provider states (SOC 2, ISO 27001 and others), quoted from its own trust page. APIs.io verifies none of them.

Jodo

1 quoted statement, read from Jodo's own page on 2026-11-09.

COMPLIANCE

Eligibility 1

Who may sign up and where, quoted from its own terms.

Jodo

5 quoted statements, read from Jodo's own page on 2026-11-09.

ELIGIBILITY

AI Preferences 1

Its stance on AI training, inference and agents, quoted from its own pages.

Jodo

1 quoted statement, read from Jodo's own page on 2026-11-09.

AI PREFS

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Jodo

1 quoted statement, read from Jodo's own page on 2026-11-09.

LICENSE

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Jodo Webhooks

Jodo delivers state changes for students, manual payments, Flex instalment plans, Pay collections and Cred education loans as HTTP POST webhooks to a URL the institute registers...

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

Jodo API Rules

66 rules · 61 error-severity 4 warn-severity 1 info-severity

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Jodo Integrations Overlay

13 actions · update · jodo-integrations-openapi.yml

DERIVED

Security Posture 2

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

Jodo Authentication

http · 1 scheme

SECURITY

Jodo Domain Security

TLSv1.3

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Login

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

AIPreferences

AIPreferences

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPCandidate

MCPCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Lifecycle

ErrorCatalog

Conventions

DataModel

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

TrustCenter

TrustCenter

Operate 4

Status, limits, changes, and where to get help

StatusPage

Deprecation

RateLimits

Support

Commercial 5

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

UsageTerms

DataLicense

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Other 4

Properties that don't map to a standard resource type

Overlay

DataProcessing

Attestations

Eligibility

Source (apis.yml)

aid: jodo
name: Jodo
description: 'Jodo is a Bengaluru-based fintech that automates fee collection for Indian educational institutes — schools,
  colleges, universities, coaching centres and skilling institutes. Founded in 2020 by Atulya Bhat, Raghav Nagarajan and Koustav
  Dey, the company says it serves 5,000+ institutes across 90+ cities and has processed over INR 30,000 crore in fees for
  25 lakh+ students. Jodo ships three products on one platform: Flex (structured fees paid in instalments through an auto-debit
  mandate), Pay (student-linked collections, hosted checkout orders and shareable payment links) and Cred (education loans
  originated with NBFC lending partners). Its public ERP Integrations API lets an institute''s ERP, finance or student-information
  system register users and students, sync fee structures and discounts, reconcile manual payments, configure instalment schedules,
  create checkout orders and payment links, and manage webhook subscriptions. Jodo publishes a substantial developer reference
  at docs.jodo.in covering 25 REST operations and 36 webhook events, with documented UAT and production environments, Basic
  Auth, an error code registry, a retry and idempotency policy, HMAC SHA-256 webhook signatures and published source IP ranges
  — but no machine-readable OpenAPI or AsyncAPI document, and no public pricing.'
url: https://raw.githubusercontent.com/api-evangelist/jodo/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-13'
  method: derived
image: https://www.jodo.in/assets/images/icons/favicon.png
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-23'
modified: '2026-10-06'
tags:
- Company
- Payments
- Education
- Fintech
- Fee Collection
- Lending
- India
- Webhook
- ERP Integration
- Financial Services
tags_raw:
- Company
- Payments
- Education
- Fintech
- Fee Collection
- Lending
- India
- Webhooks
- ERP Integration
- Financial Services
- Financial-Services
apis:
- name: Jodo Webhooks
  description: Event delivery surface for the Jodo platform. Jodo POSTs 36 documented events across student master data, manual
    payments, Flex subscriptions/mandates/instalments, Pay collections and Cred education loans to a URL the institute registers
    per event_code. At-least-once delivery with a published retry policy, event_id deduplication, HMAC SHA-256 X-Jodo-Signature
    verification, custom header validation and published source IP allowlists.
  humanURL: https://docs.jodo.in/webhooks/handling-webhook-events/
  baseURL: https://ext.jodo.in
  tags:
  - Webhook
  - Event
  - Payments
  tags_raw:
  - Webhooks
  - Events
  - Payments
  properties:
  - type: AsyncAPI
    url: asyncapi/jodo-webhooks-asyncapi.yml
  - type: Webhooks
    url: asyncapi/jodo-webhooks-asyncapi.yml
  - type: Documentation
    url: https://docs.jodo.in/webhooks/handling-webhook-events/
- aid: jodo:jodo-configuration-api
  name: Jodo Configuration API
  description: Institute reference data (branches, grades, fee components, discounts) and webhook subscriptions.
  humanURL: https://docs.jodo.in/
  baseURL: https://ext.jodo.in
  tags:
  - Configuration
  properties:
  - type: OpenAPI
    url: openapi/jodo-configuration-api-openapi.yml
  - type: Documentation
    url: https://docs.jodo.in/
  - type: APIReference
    url: https://docs.jodo.in/getting-started/api-structure/
  - type: GettingStarted
    url: https://docs.jodo.in/getting-started/introduction/
  - type: Authentication
    url: authentication/jodo-authentication.yml
  - type: ErrorCatalog
    url: errors/jodo-error-codes.yml
  - type: DataModel
    url: data-model/jodo-data-model.yml
  - type: Conventions
    url: conventions/jodo-conventions.yml
- aid: jodo:jodo-flex-api
  name: Jodo Flex API
  description: Flexible instalment plans backed by an auto-debit mandate.
  humanURL: https://docs.jodo.in/
  baseURL: https://ext.jodo.in
  tags:
  - Flex
  properties:
  - type: OpenAPI
    url: openapi/jodo-flex-api-openapi.yml
  - type: Documentation
    url: https://docs.jodo.in/
  - type: APIReference
    url: https://docs.jodo.in/getting-started/api-structure/
  - type: GettingStarted
    url: https://docs.jodo.in/getting-started/introduction/
  - type: Authentication
    url: authentication/jodo-authentication.yml
  - type: ErrorCatalog
    url: errors/jodo-error-codes.yml
  - type: DataModel
    url: data-model/jodo-data-model.yml
  - type: Conventions
    url: conventions/jodo-conventions.yml
- aid: jodo:jodo-pay-api
  name: Jodo Pay API
  description: Checkout orders and shareable hosted payment links.
  humanURL: https://docs.jodo.in/
  baseURL: https://ext.jodo.in
  tags:
  - Pay
  properties:
  - type: OpenAPI
    url: openapi/jodo-pay-api-openapi.yml
  - type: Documentation
    url: https://docs.jodo.in/
  - type: APIReference
    url: https://docs.jodo.in/getting-started/api-structure/
  - type: GettingStarted
    url: https://docs.jodo.in/getting-started/introduction/
  - type: Authentication
    url: authentication/jodo-authentication.yml
  - type: ErrorCatalog
    url: errors/jodo-error-codes.yml
  - type: DataModel
    url: data-model/jodo-data-model.yml
  - type: Conventions
    url: conventions/jodo-conventions.yml
- aid: jodo:jodo-students-api
  name: Jodo Students API
  description: Student master data, fee structures and manual payment reconciliation.
  humanURL: https://docs.jodo.in/
  baseURL: https://ext.jodo.in
  tags:
  - Students
  properties:
  - type: OpenAPI
    url: openapi/jodo-students-api-openapi.yml
  - type: Documentation
    url: https://docs.jodo.in/
  - type: APIReference
    url: https://docs.jodo.in/getting-started/api-structure/
  - type: GettingStarted
    url: https://docs.jodo.in/getting-started/introduction/
  - type: Authentication
    url: authentication/jodo-authentication.yml
  - type: ErrorCatalog
    url: errors/jodo-error-codes.yml
  - type: DataModel
    url: data-model/jodo-data-model.yml
  - type: Conventions
    url: conventions/jodo-conventions.yml
- aid: jodo:jodo-users-api
  name: Jodo Users API
  description: Register ERP/institute users and mint short-lived tokens for Jodo-hosted flows.
  humanURL: https://docs.jodo.in/
  baseURL: https://ext.jodo.in
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/jodo-users-api-openapi.yml
  - type: Documentation
    url: https://docs.jodo.in/
  - type: APIReference
    url: https://docs.jodo.in/getting-started/api-structure/
  - type: GettingStarted
    url: https://docs.jodo.in/getting-started/introduction/
  - type: Authentication
    url: authentication/jodo-authentication.yml
  - type: ErrorCatalog
    url: errors/jodo-error-codes.yml
  - type: DataModel
    url: data-model/jodo-data-model.yml
  - type: Conventions
    url: conventions/jodo-conventions.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.jodo.in/feed.xml
  type: BlogRSS
- type: Overlay
  url: overlays/jodo-integrations-overlay.yaml
- type: Website
  url: https://www.jodo.in/
- type: DeveloperPortal
  url: https://docs.jodo.in/
- type: Documentation
  url: https://docs.jodo.in/
- type: APIReference
  url: https://docs.jodo.in/getting-started/api-structure/
- type: GettingStarted
  url: https://docs.jodo.in/getting-started/introduction/
- type: Authentication
  url: authentication/jodo-authentication.yml
- type: Sandbox
  url: sandbox/jodo-sandbox.yml
- type: StatusPage
  url: https://status.jodo.in/
- type: Deprecation
  url: lifecycle/jodo-lifecycle.yml
- type: Lifecycle
  url: lifecycle/jodo-lifecycle.yml
- type: RateLimits
  url: rate-limits/jodo-rate-limits.yml
- type: Plans
  url: plans/jodo-plans-pricing.yml
- type: ErrorCatalog
  url: errors/jodo-error-codes.yml
- type: Conventions
  url: conventions/jodo-conventions.yml
- type: DataModel
  url: data-model/jodo-data-model.yml
- type: Conformance
  url: conformance/jodo-conformance.yml
- type: Packages
  url: packages/jodo-packages.yml
- type: MCPCandidate
  url: mcp/jodo-mcp.yml
- type: LLMsTxt
  url: llms/jodo-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/jodo-domain-security.yml
- type: TrustCenter
  url: https://compliance.jodo.in/
- type: Blog
  url: https://www.jodo.in/blog/
- type: GitHubOrganization
  url: https://github.com/jodohq
- type: Support
  url: https://www.jodo.in/contact-us/
- type: Login
  url: https://app.jodo.in/institute/login
- type: TermsOfService
  url: https://www.jodo.in/terms-and-conditions/
- type: PrivacyPolicy
  url: https://www.jodo.in/privacy-policy/
- type: UsageTerms
  url: terms/jodo-terms-of-service.yml
- type: DataProcessing
  url: privacy/jodo-privacy-policy.yml
- type: Attestations
  url: compliance/jodo-compliance.yml
- type: Eligibility
  url: eligibility/jodo-eligibility.yml
- type: AIPreferences
  url: ai-preferences/jodo-ai-preferences.yml
- type: DataLicense
  url: data-license/jodo-data-license.yml
x-enrichment:
  date: '2026-08-23'
  status: enriched
  artifacts_added: 23
  pass: local-v1

Jodo API — frequently asked questions

Does Jodo have an API?

Yes. APIs.io lists 6 APIs from Jodo, including Jodo Webhooks, Jodo Configuration API and Jodo Flex API, and 3 more.

Is there an OpenAPI specification for the Jodo API?

Yes. APIs.io indexes 5 OpenAPI specifications for Jodo, each linked for download from this page.

How do I authenticate with the Jodo API?

Jodo uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Jodo Authentication.

Is the Jodo API ready for AI agents?

Jodo has a Kin Score of 44.0 out of 100 (developing) and an Agent Readiness score of 25.3 (agent-aware), scored by API Evangelist on 2026-11-13.

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