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 2 APIs on the APIs.io network: ERP Integrations API and Webhooks. Tagged areas include Company, Payments, Education, Fintech, and Fee Collection.

The Jodo catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Jodo’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, engineering blog, support, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub
43.8/100 developing ▬ flat Agent 23/100 agent aware Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0
2 APIs
CompanyPaymentsEducationFintechFee CollectionLendingIndiaWebhooksERP IntegrationFinancial Services

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0
Composite quality — 43.8/100 · developing
Contract Quality 5.4 / 21
Developer Ergonomics 11.2 / 17
Access Clarity 7.2 / 17
Operational Transparency 3.2 / 11
Contract Governance 1.7 / 10
Discoverability 6.8 / 9
Regulatory Posture 7.0 / 15
Agent readiness — 23/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 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 Surface 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.
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/. This rating is computed from github.com/api-evangelist/jodo: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

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

Jodo ERP Integrations API

REST API for connecting an institute's ERP, finance or student-information system to Jodo fee collection. Covers user registration and hosted-flow access tokens, student master ...

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...

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

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

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
Login

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

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
Lifecycle
 ErrorCatalog
ErrorCatalog
 Conventions
Conventions
 DataModel
DataModel
 Conformance
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
StatusPage
 Deprecation
Deprecation
 RateLimits
RateLimits
 Support
Support

Commercial 3

Pricing, plans, and the legal terms of use

Plans
Plans
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
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
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: '2026-08-23'
tags:
- Company
- Payments
- Education
- Fintech
- Fee Collection
- Lending
- India
- Webhooks
- ERP Integration
- Financial Services
apis:
- name: Jodo ERP Integrations API
  description: REST API for connecting an institute's ERP, finance or student-information system to Jodo fee collection. Covers
    user registration and hosted-flow access tokens, student master data and fee structures, manual/direct payment reconciliation,
    Flex instalment plans, Pay checkout orders and shareable payment links, institute reference data, and webhook subscription
    management. Basic Auth; JSON request and response bodies; documented UAT and production hosts.
  humanURL: https://docs.jodo.in/
  baseURL: https://ext.jodo.in
  tags:
  - Payments
  - Education
  - Fee Collection
  - ERP Integration
  properties:
  - type: OpenAPI
    url: openapi/jodo-integrations-openapi.yml
  - type: Overlay
    url: overlays/jodo-integrations-overlay.yaml
  - 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
- 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:
  - 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/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- 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/
x-enrichment:
  date: '2026-08-23'
  status: enriched
  artifacts_added: 23
  pass: local-v1

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