# Kredivo

**Canonical:** https://apis.io/providers/kredivo/  
**Website:** https://finaccel.co  
**APIs profiled:** 5

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.

## Kin Score — 53.2 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 53.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 64.9 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 34.2 |
| Developer Ergonomics | 73.2 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Payments**: 48.4 (matched via tags).

## Agent readiness — 33.6 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

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

## APIs (5)

- **Kredivo Calculator API** — Installment, interest and service-fee breakdown.
- **Kredivo Checkout API** — Initiating a Kredivo installment checkout (2-click, 0-click, QR, EDC).
- **Kredivo Confirmation API** — Confirming a transaction after a push notification.
- **Kredivo Tokenization API** — Managing tokenized (0-click) shoppers and their credit limits.
- **Kredivo Transactions API** — Status, cancellation and reversal of transactions.

## MCP servers (1)

- **Kredivo MCP Server**

## Security (3)

- **Kredivo Authentication** — apiKey · 1 scheme
- **Kredivo Domain Security** — TLSv1.3 · HSTS · DMARC
- **Kredivo Vulnerability Disclosure** — Hackerone · contact published

## Tags

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

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