Kredivo

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.

Kredivo is listed with 5 APIs on the APIs.io network, including Calculator API, Checkout API, Confirmation API, and 2 more. Tagged areas include Company, Payments, Buy Now Pay Later, Lending, and Consumer Credit.

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

Kredivo’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, signup flow, authentication, and 28 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.3/100 developing ▬ flat Agent 33/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

5 APIs 4 Agent Skills

Company Payments Buy Now Pay Later Lending Consumer Credit Checkout Fintech E-Commerce Indonesia Southeast Asia Financial Services

What this lets a business do 1

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

Payments & Card Management

BC-1340

CheckoutTransactions

POST /kredivo/v2/checkout_url POST /offline/v1/init_checkout POST /offline/v1/reversal_transaction POST /kredivo/transaction/status

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 40.3/100 · developing

Contract Quality 4.7 / 21

Developer Ergonomics 12.4 / 17

Access Clarity 5.8 / 17

Operational Transparency 3.8 / 11

Contract Governance 0.5 / 10

Discoverability 6.1 / 9

Regulatory Posture 4.2 / 15

Agent readiness — 33/100 · agent ready

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 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

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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<a href="https://apis.io/providers/kredivo/"><img src="https://apis.io/badge/kredivo/card.svg" alt="Kredivo on APIs.io — Kin Score by API Evangelist"></a>

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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)
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)
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

6 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 22.0 — up to +19.5 composite points
Access Clarity scores 34.2 — up to +13.2 composite points
Contract Governance scores 4.5 — up to +11.5 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/kredivo/apis.yml: open an issue on github.com/api-evangelist/kredivo 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
Gulf and Southeast Asia Open Finance	regulated	19.5 (thin)	-	-
Southeast Asia and National Fintech Registers (Taiwan, UAE, Malaysia remittance, Indonesia SNAP)	regulated	19.5 (thin)	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	19.5 (thin)	-	-

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.

Kredivo Checkout Overlay

12 actions · update · kredivo-checkout-openapi.yml

DERIVED

Security Posture 3

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

Kredivo Authentication

apiKey · 1 scheme

SECURITY

Kredivo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Kredivo Vulnerability Disclosure

Hackerone · contact published

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 4

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

DataModel

Conformance

Webhooks

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

DeclineCodes

DeclineCodes

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

SecurityPolicy

SecurityPolicy

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

CorporateWebsite

Blog

Partners

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

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
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: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  - url: https://finaccel.co
    status: 301
    note: declared website redirects to https://kredivocorp.com/ — a different registrable domain (finaccel.co -> kredivocorp.com),
      possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-09-03'
  method: derived
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: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: slate
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
x-docs-hosting: aws-cloudfront
tags:
- Company
- Payments
- Buy Now Pay Later
- Lending
- Consumer Credit
- Checkout
- Fintech
- E-Commerce
- Indonesia
- Southeast Asia
- Financial Services
tags_raw:
- Company
- Payments
- Buy Now Pay Later
- BNPL
- Lending
- Consumer Credit
- Checkout
- Fintech
- Ecommerce
- Indonesia
- Southeast Asia
- Financial Services
- Financial-Services
apis:
- aid: kredivo:kredivo-calculator-api
  name: Kredivo Calculator API
  description: Installment, interest and service-fee breakdown.
  humanURL: https://doc.kredivo.com/
  baseURL: https://sandbox.kredivo.com
  tags:
  - Calculator
  properties:
  - type: OpenAPI
    url: openapi/kredivo-calculator-api-openapi.yml
  - type: Documentation
    url: https://doc.kredivo.com/
  - type: Webhooks
    url: asyncapi/kredivo-checkout-webhooks.yml
- aid: kredivo:kredivo-checkout-api
  name: Kredivo Checkout API
  description: Initiating a Kredivo installment checkout (2-click, 0-click, QR, EDC).
  humanURL: https://doc.kredivo.com/
  baseURL: https://sandbox.kredivo.com
  tags:
  - Checkout
  properties:
  - type: OpenAPI
    url: openapi/kredivo-checkout-api-openapi.yml
  - type: Documentation
    url: https://doc.kredivo.com/
  - type: Webhooks
    url: asyncapi/kredivo-checkout-webhooks.yml
- aid: kredivo:kredivo-confirmation-api
  name: Kredivo Confirmation API
  description: Confirming a transaction after a push notification.
  humanURL: https://doc.kredivo.com/
  baseURL: https://sandbox.kredivo.com
  tags:
  - Confirmation
  properties:
  - type: OpenAPI
    url: openapi/kredivo-confirmation-api-openapi.yml
  - type: Documentation
    url: https://doc.kredivo.com/
  - type: Webhooks
    url: asyncapi/kredivo-checkout-webhooks.yml
- aid: kredivo:kredivo-tokenization-api
  name: Kredivo Tokenization API
  description: Managing tokenized (0-click) shoppers and their credit limits.
  humanURL: https://doc.kredivo.com/
  baseURL: https://sandbox.kredivo.com
  tags:
  - Tokenization
  properties:
  - type: OpenAPI
    url: openapi/kredivo-tokenization-api-openapi.yml
  - type: Documentation
    url: https://doc.kredivo.com/
  - type: Webhooks
    url: asyncapi/kredivo-checkout-webhooks.yml
- aid: kredivo:kredivo-transactions-api
  name: Kredivo Transactions API
  description: Status, cancellation and reversal of transactions.
  humanURL: https://doc.kredivo.com/
  baseURL: https://sandbox.kredivo.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/kredivo-transactions-api-openapi.yml
  - 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: CapabilityMap
  url: capabilities/kredivo-capability-edges.yml
  name: Kredivo Business Capability Map
- type: Overlay
  url: overlays/kredivo-checkout-overlay.yaml
- 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: X-MCPServerCandidate
  url: mcp/kredivo-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: 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

Kredivo API — frequently asked questions

Does Kredivo have an API?

Yes. APIs.io lists 5 APIs from Kredivo, including Kredivo Calculator API, Kredivo Checkout API and Kredivo Confirmation API, and 2 more.

Is there an OpenAPI specification for the Kredivo API?

Yes. APIs.io indexes 5 OpenAPI specifications for Kredivo, each linked for download from this page.

How do I authenticate with the Kredivo API?

Kredivo uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Kredivo Authentication.

Is the Kredivo API ready for AI agents?

Kredivo has a Kin Score of 40.3 out of 100 (developing) and an Agent Readiness score of 33.3 (agent-ready), scored by API Evangelist on 2026-10-31.

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