Kredivo

aid: kredivo
name: Kredivo
description: Kredivo is a Southeast Asian consumer credit platform operated by FinAccel (Kredivo Group), best known for its
  "Buy Now, Pay Later" product offering instant real-time credit decisioning for online and offline purchases across Indonesia,
  Vietnam, Thailand and the Philippines. For developers, Kredivo publishes the Kredivo Checkout API — a merchant-facing HTTP/JSON
  payment API that lets an ecommerce store, marketplace, POS or EDC terminal offer installment payment (30 days through 24
  months) at checkout. The API covers 2-click redirect checkout, 0-click tokenized express checkout, dynamic and static QR
  checkout for physical stores, EDC terminal checkout, transaction status polling, full and partial cancellation, user credit-limit
  lookup, and an installment/interest calculator, with asynchronous push notifications to a merchant-supplied push_uri and
  a signature-key confirmation callback. Kredivo Group also operates KrediFazz (instant cash loans), Krom (digital bank),
  Timo and GajiGesa.
url: https://raw.githubusercontent.com/api-evangelist/kredivo/refs/heads/main/apis.yml
image: https://doc.kredivo.com/images/logo.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: producer
x-tier-reason: publishes a documented public merchant checkout API with sandbox, plugins and an SLA
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Payments
- Buy Now Pay Later
- BNPL
- Lending
- Consumer Credit
- Checkout
- Fintech
- Ecommerce
- Indonesia
- Southeast Asia
- Financial Services
apis:
- aid: kredivo:checkout
  name: Kredivo Checkout API
  description: The Kredivo Checkout API lets merchants offer Kredivo installment payment at checkout. It supports 2-click
    redirect checkout, 0-click tokenized express checkout, QR checkout and EDC checkout for physical stores, plus transaction
    status, cancellation, user credit details and an installment calculator. Authentication is a per-merchant server_key carried
    in the JSON request body; results are delivered asynchronously to a merchant push_uri and confirmed via a signature-key
    callback.
  humanURL: https://doc.kredivo.com/
  baseURL: https://sandbox.kredivo.com
  tags:
  - Payments
  - Checkout
  - BNPL
  - Installments
  - QR
  properties:
  - type: OpenAPI
    url: openapi/kredivo-checkout-openapi.yml
  - type: Overlay
    url: overlays/kredivo-checkout-overlay.yaml
  - type: Documentation
    url: https://doc.kredivo.com/
  - type: Webhooks
    url: asyncapi/kredivo-checkout-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/kredivo-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/kredivo-vulnerability-disclosure.yml
- type: Security
  url: security/kredivo-vulnerability-disclosure.yml
- type: Website
  url: https://finaccel.co
- type: CorporateWebsite
  url: https://kredivocorp.com/
- type: DeveloperPortal
  url: https://doc.kredivo.com/
- type: Documentation
  url: https://doc.kredivo.com/
- type: APIReference
  url: https://doc.kredivo.com/
- type: GettingStarted
  url: https://doc.kredivo.com/
- type: Blog
  url: https://blog.kredivo.com/
- type: Support
  url: https://kredivo.com/faqs/
- type: SignUp
  url: https://kredivo.com/merchant/
- type: TermsOfService
  url: https://kredivo.com/p/in/tos.html
- type: PrivacyPolicy
  url: https://kredivo.com/p/in/privacy.html
- type: SecurityPolicy
  url: https://kredivo.com/security-policy/
- type: StatusPage
  url: https://status.kredivo.com/
- type: Partners
  url: https://kredivo.com/p/partners.html
- type: Packages
  url: packages/kredivo-packages.yml
- type: SDKs
  url: packages/kredivo-packages.yml
- type: Authentication
  url: authentication/kredivo-authentication.yml
- type: Conventions
  url: conventions/kredivo-conventions.yml
- type: Idempotency
  url: conventions/kredivo-conventions.yml
- type: ErrorCatalog
  url: errors/kredivo-error-codes.yml
- type: DeclineCodes
  url: errors/kredivo-decline-codes.yml
- type: Lifecycle
  url: lifecycle/kredivo-lifecycle.yml
- type: Sandbox
  url: sandbox/kredivo-sandbox.yml
- type: DataModel
  url: data-model/kredivo-data-model.yml
- type: Conformance
  url: conformance/kredivo-conformance.yml
- type: WellKnown
  url: well-known/kredivo-well-known.yml
- type: LLMsTxt
  url: llms/kredivo-llms.txt
- type: MCPServer
  url: mcp/kredivo-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Webhooks
  url: asyncapi/kredivo-checkout-webhooks.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence