Klump

Klump Technology Company Ltd is a Lagos, Nigeria based fintech whose flagship product, Klump BNPL (Buy Now, Pay Later), lets shoppers spread the cost of a purchase over monthly instalments at online and in-store merchant checkouts. Merchants integrate Klump either through the Klump.js client-side checkout widget, a framework component (React, Vue 2, Vue 3, Angular, React Native, Flutter), an e-commerce plugin (WooCommerce/WordPress, Magento 2, PrestaShop, OpenCart, WHMCS), a Laravel package, or directly against the Klump REST API at https://api.useklump.com. The API is secret-key authenticated via a klump-secret-key header, uses one base URL for both sandbox and production (the key and the merchant application state, TEST or LIVE, select the environment), and covers transaction verification, Klump Commerce product sync, Klump Access hosted payment pages, and webhook resend. Klump emits transaction lifecycle webhooks (initiated, successful, abandoned) signed with an X-Klump-Signature HMAC header and retried hourly for 72 hours. Klump is backed by Seedcamp and displays a PCI DSS Compliant badge.

Klump is listed with 1 API on the APIs.io network. Tagged areas include Company, Payments, Buy Now Pay Later, Fintech, and Lending.

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

Klump’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

53.4/100 developing ▬ flat Agent 26/100 agent aware Heartbeat 20/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 API

Company Payments Buy Now Pay Later Fintech Lending Checkout E-Commerce Nigeria Africa Instalments Consumer Credit

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 53.4/100 · developing

Contract Quality 8.3 / 21

Developer Ergonomics 12.1 / 17

Access Clarity 13.9 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 5.1 / 15

Agent readiness — 26/100 · 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 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

Pagination 5 / 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 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/.

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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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 39.0 — up to +15.3 composite points
Operational Transparency scores 10.5 — up to +11.6 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

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.

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/klump/apis.yml: open an issue on github.com/api-evangelist/klump 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
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	builds-on	36.4	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	builds-on	36.4	-	-
Official SDKs on Packagist, pub.dev and Hex	builds-on	36.4	-	-

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.

APIs 1

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

Klump API

The Klump REST API lets a merchant verify transactions, sync commerce product catalogs, create Klump Access hosted payment pages, and resend webhooks. A single base URL serves b...

Klump API pricing

Prices published by Klump, read 2026-10-28 from useklump.com/pricing.

Plan	Price
Customers	2 - 4% from customers on reducing balance
Merchants	5% per transaction for merchants

Plan details, limits and sources →

Billed by: reducing balance · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Klump Plans Pricing

2 plans

PLANS

Klump Price Estimates

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Klump Finops

FINOPS

Event Specifications 1

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

Klump Webhooks

ASYNCAPI

Security Posture 2

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

Klump Authentication

apiKey · 2 schemes

SECURITY

Klump Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Components

Conventions

Idempotency

ErrorCatalog

Lifecycle

Webhooks

Conformance

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 3

Authentication, authorization, and security posture

Compliance

Compliance

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: klump
name: Klump
description: Klump Technology Company Ltd is a Lagos, Nigeria based fintech whose flagship product, Klump BNPL (Buy Now, Pay
  Later), lets shoppers spread the cost of a purchase over monthly instalments at online and in-store merchant checkouts.
  Merchants integrate Klump either through the Klump.js client-side checkout widget, a framework component (React, Vue 2,
  Vue 3, Angular, React Native, Flutter), an e-commerce plugin (WooCommerce/WordPress, Magento 2, PrestaShop, OpenCart, WHMCS),
  a Laravel package, or directly against the Klump REST API at https://api.useklump.com. The API is secret-key authenticated
  via a klump-secret-key header, uses one base URL for both sandbox and production (the key and the merchant application state,
  TEST or LIVE, select the environment), and covers transaction verification, Klump Commerce product sync, Klump Access hosted
  payment pages, and webhook resend. Klump emits transaction lifecycle webhooks (initiated, successful, abandoned) signed
  with an X-Klump-Signature HMAC header and retried hourly for 72 hours. Klump is backed by Seedcamp and displays a PCI DSS
  Compliant badge.
url: https://raw.githubusercontent.com/api-evangelist/klump/refs/heads/main/apis.yml
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: high
  source:
  - plans
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://useklump.com/images/meta.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- seedcamp
x-tier: profiled
x-tier-reason: enriched-from-public-docs
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Payments
- Buy Now Pay Later
- Fintech
- Lending
- Checkout
- E-Commerce
- Nigeria
- Africa
- Instalments
- Consumer Credit
tags_raw:
- Company
- Payments
- Buy Now Pay Later
- BNPL
- Fintech
- Lending
- Checkout
- E-Commerce
- Nigeria
- Africa
- Instalments
- Consumer Credit
apis:
- aid: klump:klump-api
  name: Klump API
  description: The Klump REST API lets a merchant verify transactions, sync commerce product catalogs, create Klump Access
    hosted payment pages, and resend webhooks. A single base URL serves both sandbox and production; the environment is selected
    by whether the merchant application state is TEST or LIVE and by which secret key is presented. Every request must carry
    the merchant secret key in a klump-secret-key header; the public key (klp_pk_ prefix) is used client side with the Klump.js
    widget.
  humanURL: https://docs.useklump.com/docs
  baseURL: https://api.useklump.com
  tags:
  - Payments
  - Buy Now Pay Later
  - Checkout
  - Transaction
  - Webhook
  tags_raw:
  - Payments
  - BNPL
  - Checkout
  - Transactions
  - Webhooks
  properties:
  - type: Documentation
    url: https://docs.useklump.com/docs
  - type: Authentication
    url: https://docs.useklump.com/docs/api-keys-authorization
  - type: Sandbox
    url: https://docs.useklump.com/docs/test-card
  - type: Webhooks
    url: https://docs.useklump.com/docs/webhook-getting-started
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/klump-plans-pricing.yml
- type: Website
  url: https://useklump.com
- type: DeveloperPortal
  url: https://useklump.com/developers
- type: Documentation
  url: https://docs.useklump.com/docs
- type: APIReference
  url: https://docs.useklump.com/docs/api-keys-authorization
- type: GettingStarted
  url: https://docs.useklump.com/docs/getting-started
- type: Support
  url: https://useklump.com/contact
- type: Blog
  url: https://useklump.com/blog
- type: GitHubOrganization
  url: https://github.com/Klump-Inc
- type: Pricing
  url: https://useklump.com/pricing
- type: SignUp
  url: https://merchant.useklump.com/sign-up
- type: Login
  url: https://merchant.useklump.com/sign-in
- type: TermsOfService
  url: https://useklump.com/legal/terms-of-service
- type: PrivacyPolicy
  url: https://useklump.com/legal/privacy-policy
- type: Compliance
  url: conformance/klump-conformance.yml
- type: Authentication
  url: authentication/klump-authentication.yml
- type: Packages
  url: packages/klump-packages.yml
- type: SDKs
  url: packages/klump-packages.yml
- type: Components
  url: components/klump-components.yml
- type: Conventions
  url: conventions/klump-conventions.yml
- type: Idempotency
  url: conventions/klump-conventions.yml
- type: ErrorCatalog
  url: errors/klump-error-codes.yml
- type: Lifecycle
  url: lifecycle/klump-lifecycle.yml
- type: Sandbox
  url: sandbox/klump-sandbox.yml
- type: Webhooks
  url: asyncapi/klump-webhooks.yml
- type: Conformance
  url: conformance/klump-conformance.yml
- type: WellKnown
  url: well-known/klump-well-known.yml
- type: DomainSecurity
  url: security/klump-domain-security.yml
- type: X-MCPServerCandidate
  url: mcp/klump-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/klump-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Klump API — frequently asked questions

Does Klump have an API?

Yes. APIs.io lists 1 API from Klump, including Klump API.

How do I authenticate with the Klump API?

Klump uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Klump Authentication.

How much does the Klump API cost?

Klump publishes its prices; its Customers plan is 2 - 4% from customers on reducing balance as of 2026-10-28. APIs.io lists 2 pricing plans for Klump, with each plan's price, limits and inclusions under Pricing on this page.

Is the Klump API ready for AI agents?

Klump has a Kin Score of 53.4 out of 100 (developing) and an Agent Readiness score of 25.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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