# Klump

**Canonical:** https://apis.io/providers/klump/  
**Website:** https://useklump.com  
**APIs profiled:** 1

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.

## Kin Score — 51.2 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 51.2).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 71.4 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Payments**: 59.4 (matched via tags).

## Agent readiness — 36.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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...

## MCP servers (1)

- **Klump MCP Server**

## Security (2)

- **Klump Authentication** — apiKey · 2 schemes
- **Klump Domain Security** — TLSv1.3 · DMARC

## Tags

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

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