Koin

Koin is a Brazilian payments and fraud-prevention provider operating across Latin America, offering merchants a single private-key API for BNPL ("Pix Parcelado" / installment payments without a card), instant Pix, card payments with anti-fraud, crypto and Pix payouts, refunds, cancellations and account-validation. Its Antifraud API scores e-commerce, wire-transfer and account-takeover events with device fingerprinting, 3-D Secure and strategy-based recovery, while an Onboarding API registers merchants. Koin publishes a ReadMe-hosted developer portal with OpenAPI 3 contracts, first-party Magento 2, WooCommerce, VTEX, Shopify, Wake, Nuvemshop and Tiendanube plugins, and iOS/Android checkout SDKs. Founded in Brazil and backed by Speedinvest (2018), Koin was acquired by Despegar in 2020.

Koin publishes 14 API contracts indexed on the APIs.io network, including Access API, Account Take Over Services API, Availability Services API, and 11 more. Tagged areas include Payments, Fraud Prevention, Buy Now Pay Later, Pix, and E-Commerce.

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

Koin’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 29 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

59.8/100 strong ▬ flat Agent 38/100 agent ready Front door AI 3/6 light Heartbeat 74/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

8 published contracts 5 Agent Skills

Payments Fraud Prevention Buy Now Pay Later Pix E-Commerce Financial Services Brazil Latin America Checkout Company

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

Payment ServicesPayout ServicesRefund ServicesTokenize Services

POST /v1/payment/payouts POST /v1/payment/orders POST /v1/payment/orders/{order_id}/capture PUT /v1/payment/orders/{order_id}/cancel

Financial Crime Management

BC-1400

Account Take Over ServicesEcommerceSupport Services

POST /v1/ato/evaluations POST /v1/antifraud/evaluations GET /v1/antifraud/evaluations/{id}

Consumer Commerce

AE-140

Payment Request

POST /PaymentRequest/check POST /V1/PaymentRequest/include

Kin Score

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

Composite quality — 59.8/100 · strong

Contract Quality 10.7 / 19

Developer Ergonomics 10.1 / 15

Access Clarity 11.6 / 15

Operational Transparency 4.1 / 10

Contract Governance 1.6 / 9

Discoverability 5.9 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 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 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 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
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

5 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 56.8 — up to +10.8 composite points
Contract Governance scores 18.2 — up to +9.8 composite points
Operational Transparency scores 42.1 — up to +7.5 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/koin/apis.yml: open an issue on github.com/api-evangelist/koin 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	-	-	-
Brazil BCB Authorized Institutions (Banco Central do Brasil register beyond Pix)	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 1

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)

APIs 14

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

Koin Access API

The Access API from Koin — 1 operation(s) for access.

Koin Account Take Over Services API

The Account Take Over Services API from Koin — 2 operation(s) for account take over services.

Koin Availability Services API

The Availability Services API from Koin — 1 operation(s) for availability services.

Koin Communication Services API

The Communication Services API from Koin — 1 operation(s) for communication services.

Koin Ecommerce API

The Ecommerce API from Koin — 2 operation(s) for ecommerce.

Koin Notification Services Sales API

The Notification Services Sales API from Koin — 1 operation(s) for notification services sales.

Koin Onboarding Services API

Onboarding Service

Koin Payment Services API

The Payment Services API from Koin — 5 operation(s) for payment services.

Koin Payout Services API

The Payout Services API from Koin — 4 operation(s) for payout services.

Koin Recipient Services Account API

The Recipient Services Account API from Koin — 1 operation(s) for recipient services account.

Koin Refund Services API

The Refund Services API from Koin — 2 operation(s) for refund services.

Koin Support Services API

The Support Services API from Koin — 3 operation(s) for support services.

Koin Tokenize Services API

The Tokenize Services API from Koin — 1 operation(s) for tokenize services.

Koin Payment Request API

The Payment Request API from Koin — 2 operation(s) for payment request.

Scroll for all 14

Open Collections 16

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Antifraud Access API

OPEN COLLECTION

Antifraud Access Account Take Over Services API

OPEN COLLECTION

Antifraud Access Availability Services API

OPEN COLLECTION

Antifraud Access Communication Services API

OPEN COLLECTION

Antifraud Access Ecommerce API

OPEN COLLECTION

Antifraud Access Notification Services Sales API

OPEN COLLECTION

Antifraud Access Onboarding Services API

OPEN COLLECTION

Antifraud Access Payment Service Provider API

OPEN COLLECTION

Antifraud Access Payment Services API

OPEN COLLECTION

Antifraud Access PaymentRequest API

OPEN COLLECTION

Antifraud Access Payout Services API

OPEN COLLECTION

Antifraud Access Recipient Services Account API

OPEN COLLECTION

Antifraud Access Refund Services API

OPEN COLLECTION

Antifraud Access Support Services API

OPEN COLLECTION

Antifraud Access Tokenize Services API

OPEN COLLECTION

Antifraud Access WireTransfer API

OPEN COLLECTION

Scroll for all 16

Agent Skills 5

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

Charge a card with Koin anti-fraud

AGENT SKILL

Collect a Pix payment and refund it

AGENT SKILL

Offer Koin BNPL installments at checkout

AGENT SKILL

Run a Koin anti-fraud evaluation

AGENT SKILL

Send a Koin payout by Pix or crypto

AGENT SKILL

Koin API pricing

Prices published by Koin, read 2026-09-20 from www.koin.com.br/plataforma-de-pagamentos-b2b.

Plan	Price
Cartão de Crédito	A partir de 2,35%
Pix	A partir de R$0,5
Boleto e Pix Parcelado	A partir de 2,35%

Plan details, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 1

Published pricing tiers and plan structures.

Koin Plans Pricing

3 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Koin

SLA

FinOps 1

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

Koin Finops

FINOPS

Event Specifications 1

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

Koin Payments Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Koin API Rules

65 rules · 42 errors 14 warnings 9 info

SPECTRAL

OpenAPI Overlays 8

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.

Koin Antifraud Ato Overlay

5 actions · security · koin-antifraud-ato-openapi.json

DERIVED

Koin Antifraud Ecommerce Overlay

4 actions · security · koin-antifraud-ecommerce-openapi.json

DERIVED

Koin Antifraud Evaluations Overlay

5 actions · security · koin-antifraud-evaluations-openapi.json

DERIVED

Koin Antifraud Lifecycle Overlay

4 actions · security · koin-antifraud-lifecycle-openapi.json

DERIVED

Koin Antifraud Wire Transfer Overlay

4 actions · security · koin-antifraud-wire-transfer-openapi.json

DERIVED

Koin Bnpl Overlay

6 actions · security · koin-bnpl-openapi.json

DERIVED

Koin Onboarding Overlay

4 actions · security · koin-onboarding-openapi.json

DERIVED

Koin Payments Overlay

15 actions · security · koin-payments-openapi.json

DERIVED

Scroll for all 8

Security Posture 2

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

Koin Authentication

apiKey · 2 schemes

SECURITY

Koin Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

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

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Webhooks

Lifecycle

Components

DataModel

Conformance

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

DeclineCodes

Packages

SDKs

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 4

Status, limits, changes, and where to get help

Support

HelpCenter

StatusPage

ChangeLog

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

Other 3

Properties that don't map to a standard resource type

ParentCompany

ParentCompany

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

aid: koin
name: Koin
description: Koin is a Brazilian payments and fraud-prevention provider operating across Latin America, offering merchants
  a single private-key API for BNPL ("Pix Parcelado" / installment payments without a card), instant Pix, card payments with
  anti-fraud, crypto and Pix payouts, refunds, cancellations and account-validation. Its Antifraud API scores e-commerce,
  wire-transfer and account-takeover events with device fingerprinting, 3-D Secure and strategy-based recovery, while an Onboarding
  API registers merchants. Koin publishes a ReadMe-hosted developer portal with OpenAPI 3 contracts, first-party Magento 2,
  WooCommerce, VTEX, Shopify, Wake, Nuvemshop and Tiendanube plugins, and iOS/Android checkout SDKs. Founded in Brazil and
  backed by Speedinvest (2018), Koin was acquired by Despegar in 2020.
url: https://raw.githubusercontent.com/api-evangelist/koin/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: 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://framerusercontent.com/images/PkgidZslCNXkKXqoQ6oHqtcYHo.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- speedinvest
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Payments
- Fraud Prevention
- Buy Now Pay Later
- Pix
- E-Commerce
- Financial Services
- Brazil
- Latin America
- Checkout
- Company
tags_raw:
- Payments
- Fraud Prevention
- Buy Now Pay Later
- Pix
- E-Commerce
- Financial Services
- Brazil
- Latin America
- Anti-Fraud
- Checkout
- Company
- Financial-Services
apis:
- aid: koin:koin-access-api
  name: Koin Access API
  description: The Access API from Koin — 1 operation(s) for access.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Access
  properties:
  - type: OpenAPI
    url: openapi/koin-access-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-account-take-over-services-api
  name: Koin Account Take Over Services API
  description: The Account Take Over Services API from Koin — 2 operation(s) for account take over services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Account Take Over Services
  properties:
  - type: OpenAPI
    url: openapi/koin-account-take-over-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-availability-services-api
  name: Koin Availability Services API
  description: The Availability Services API from Koin — 1 operation(s) for availability services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Availability Services
  properties:
  - type: OpenAPI
    url: openapi/koin-availability-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-communication-services-api
  name: Koin Communication Services API
  description: The Communication Services API from Koin — 1 operation(s) for communication services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Communication Services
  properties:
  - type: OpenAPI
    url: openapi/koin-communication-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-ecommerce-api
  name: Koin Ecommerce API
  description: The Ecommerce API from Koin — 2 operation(s) for ecommerce.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - E-Commerce
  tags_raw:
  - Ecommerce
  properties:
  - type: OpenAPI
    url: openapi/koin-ecommerce-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-notification-services-sales-api
  name: Koin Notification Services Sales API
  description: The Notification Services Sales API from Koin — 1 operation(s) for notification services sales.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Notification Services Sales
  properties:
  - type: OpenAPI
    url: openapi/koin-notification-services-sales-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-onboarding-services-api
  name: Koin Onboarding Services API
  description: Onboarding Service
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Onboarding Services
  properties:
  - type: OpenAPI
    url: openapi/koin-onboarding-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-payment-services-api
  name: Koin Payment Services API
  description: The Payment Services API from Koin — 5 operation(s) for payment services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Payment Services
  properties:
  - type: OpenAPI
    url: openapi/koin-payment-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-payout-services-api
  name: Koin Payout Services API
  description: The Payout Services API from Koin — 4 operation(s) for payout services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Payout Services
  properties:
  - type: OpenAPI
    url: openapi/koin-payout-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-recipient-services-account-api
  name: Koin Recipient Services Account API
  description: The Recipient Services Account API from Koin — 1 operation(s) for recipient services account.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Recipient Services Account
  properties:
  - type: OpenAPI
    url: openapi/koin-recipient-services-account-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-refund-services-api
  name: Koin Refund Services API
  description: The Refund Services API from Koin — 2 operation(s) for refund services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Refund Services
  properties:
  - type: OpenAPI
    url: openapi/koin-refund-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-support-services-api
  name: Koin Support Services API
  description: The Support Services API from Koin — 3 operation(s) for support services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Support Services
  properties:
  - type: OpenAPI
    url: openapi/koin-support-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-tokenize-services-api
  name: Koin Tokenize Services API
  description: The Tokenize Services API from Koin — 1 operation(s) for tokenize services.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Tokenize Services
  properties:
  - type: OpenAPI
    url: openapi/koin-tokenize-services-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
- aid: koin:koin-payment-request-api
  name: Koin Payment Request API
  description: The Payment Request API from Koin — 2 operation(s) for payment request.
  humanURL: https://api-docs.koin.com.br/reference/createpayment
  baseURL: https://api-sandbox.koin.com.br
  tags:
  - Payment Request
  properties:
  - type: OpenAPI
    url: openapi/koin-payment-request-api-openapi.yml
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-card
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createpayment
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/antifraud-services-flow-1
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/createevaluationusingpost
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/onboardingpost
  - type: Documentation
    url: https://api-docs.koin.com.br/docs/introduction-bnpl
  - type: APIReference
    url: https://api-docs.koin.com.br/reference/payment-request
common:
- type: Plans
  url: plans/koin-plans-pricing.yml
- type: ParentCompany
  url: https://apis.io/providers/despegar/
  name: Despegar
  x-relationship: acquired
  x-evidence: Founded in Brazil and backed by Speedinvest (2018), Koin was acquired by Despegar in 2020.
- type: CapabilityMap
  url: capabilities/koin-capability-edges.yml
  name: Koin Business Capability Map
- type: Overlay
  url: overlays/koin-antifraud-ato-overlay.yaml
- type: DeveloperPortal
  url: https://api-docs.koin.com.br/
- type: Documentation
  url: https://api-docs.koin.com.br/docs/security-scheme
- type: APIReference
  url: https://api-docs.koin.com.br/reference/introduction
- type: GettingStarted
  url: https://api-docs.koin.com.br/docs/integration-requirements
- type: Website
  url: https://www.koin.com.br/
- type: Support
  url: https://www.koin.com.br/atendimento
- type: HelpCenter
  url: https://www.koin.com.br/faq-b2b
- type: Blog
  url: https://www.koin.com.br/conteudos
- type: GitHubOrganization
  url: https://github.com/koinlatam
- type: Pricing
  url: https://www.koin.com.br/plataforma-de-pagamentos-b2b
- type: SignUp
  url: https://koin-prod.us.auth0.com/u/login
- type: TermsOfService
  url: https://termos.koin.com.br/
- type: PrivacyPolicy
  url: https://www.koin.com.br/politica-de-privacidade
- type: Authentication
  url: authentication/koin-authentication.yml
- type: Conventions
  url: conventions/koin-conventions.yml
- type: Idempotency
  url: conventions/koin-conventions.yml
- type: ErrorCatalog
  url: errors/koin-problem-types.yml
- type: DeclineCodes
  url: errors/koin-decline-codes.yml
- type: Webhooks
  url: asyncapi/koin-payments-webhooks.yml
- type: Lifecycle
  url: lifecycle/koin-lifecycle.yml
- type: StatusPage
  url: https://koin.statuspage.io/
- type: ChangeLog
  url: changelog/koin-changelog.yml
- type: Sandbox
  url: sandbox/koin-sandbox.yml
- type: Packages
  url: packages/koin-packages.yml
- type: SDKs
  url: packages/koin-packages.yml
- type: Components
  url: components/koin-components.yml
- type: DataModel
  url: data-model/koin-data-model.yml
- type: Conformance
  url: conformance/koin-conformance.yml
- type: X-MCPServerCandidate
  url: mcp/koin-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/koin-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/koin-domain-security.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Koin API — frequently asked questions

Does Koin have an API?

Yes. APIs.io lists 14 APIs from Koin, including Koin Access API, Koin Account Take Over Services API and Koin Availability Services API, and 11 more.

Is there an OpenAPI specification for the Koin API?

Yes. APIs.io indexes 14 OpenAPI specifications for Koin, each linked for download from this page.

How do I authenticate with the Koin API?

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

How much does the Koin API cost?

Koin publishes its prices; its Cartão de Crédito plan is A partir de 2,35% as of 2026-09-20. APIs.io lists 3 pricing plans for Koin, with each plan's price, limits and inclusions under Pricing on this page.

Is the Koin API ready for AI agents?

Koin has a Kin Score of 59.8 out of 100 (strong) and an Agent Readiness score of 37.8 (agent-ready), scored by API Evangelist on 2026-11-06.

Work with this as data

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