Kriya website screenshot

Kriya

Kriya (Kriya Finance Limited, London) is a UK B2B embedded-finance and working-capital provider that lets merchants offer trade credit to their business buyers. Its products span Embedded PayLater (B2B buy-now-pay-later terms at checkout), Invoice Finance, working capital loans, buyer authentication, offline payments and a Kriya-on-Stripe integration. Kriya publishes two partner-facing REST APIs — the Payments API for buyer registration, risk decisioning, order lifecycle and payment deductions, and the Onboarding API for automating company and KYC checks — alongside a hosted Payments Journey and Onboarding Journey web flow, HMAC-signed webhooks, a dedicated test environment with scenario simulators, and e-commerce plugins for BigCommerce, Magento, nopCommerce, PrestaShop and Salesforce. Kriya was acquired by Allica Bank in October 2025.

Kriya publishes 6 APIs on the APIs.io network, including Buyers API, Onboarding API API, OnboardingJourney API, and 3 more. Tagged areas include Company, Fintech, Payments, Embedded Finance, and Buy Now Pay Later.

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

Kriya’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, authentication, sandbox, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub
42.3/100 developing ▬ flat Agent 40/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
AccessSelf serve
6 APIs 1 MCP Servers
CompanyFintechPaymentsEmbedded FinanceBuy Now Pay LaterB2B PaymentsInvoice FinanceLendingWorking CapitalOnboardingKYCUnited Kingdom

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 42.3/100 · developing
Contract Quality 12.9 / 21
Developer Ergonomics 4.8 / 17
Access Clarity 4.7 / 17
Operational Transparency 2.0 / 11
Contract Governance 1.7 / 10
Discoverability 7.9 / 9
Regulatory Posture 7.3 / 15
Agent readiness — 40/100 · 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 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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.
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/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/kriya: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

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

Kriya Buyers API

The Buyers API from Kriya — 6 operation(s) for buyers.

Kriya Onboarding API API

The Onboarding API API from Kriya — 2 operation(s) for onboarding api.

Kriya OnboardingJourney API

The OnboardingJourney API from Kriya — 1 operation(s) for onboardingjourney.

Kriya Orders API

The Orders API from Kriya — 7 operation(s) for orders.

Kriya Payments API

The Payments API from Kriya — 3 operation(s) for payments.

Kriya Scenario API

The Scenario API from Kriya — 1 operation(s) for scenario.

Open Collections 7

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

API Collection

OPEN COLLECTION

Kriya Onboarding Buyers API

OPEN COLLECTION

Kriya Onboarding Buyers Onboarding API API

OPEN COLLECTION

Kriya Onboarding Buyers OnboardingJourney API

OPEN COLLECTION

Kriya Onboarding Buyers Orders API

OPEN COLLECTION

Kriya Onboarding Buyers Payments API

OPEN COLLECTION

Kriya Onboarding Buyers Scenario API

OPEN COLLECTION

Scroll for all 7

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Kriya MCP Server

MCP SERVER

Event Specifications 1

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

Kriya Payments Webhooks

ASYNCAPI

Security Posture 3

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

Kriya Authentication

apiKey · 1 scheme

SECURITY

Kriya Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Kriya Vulnerability Disclosure

contact published

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Login
Login
 Sandbox
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

MCPServer
MCPServer
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 Webhooks
Webhooks
 DataModel
DataModel
 Components
Components

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

DeclineCodes
DeclineCodes

Access & Security 4

Authentication, authorization, and security posture

Security
Security
 Authentication
Authentication
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: kriya
name: Kriya
description: Kriya (Kriya Finance Limited, London) is a UK B2B embedded-finance and working-capital provider that lets merchants
  offer trade credit to their business buyers. Its products span Embedded PayLater (B2B buy-now-pay-later terms at checkout),
  Invoice Finance, working capital loans, buyer authentication, offline payments and a Kriya-on-Stripe integration. Kriya
  publishes two partner-facing REST APIs — the Payments API for buyer registration, risk decisioning, order lifecycle and
  payment deductions, and the Onboarding API for automating company and KYC checks — alongside a hosted Payments Journey and
  Onboarding Journey web flow, HMAC-signed webhooks, a dedicated test environment with scenario simulators, and e-commerce
  plugins for BigCommerce, Magento, nopCommerce, PrestaShop and Salesforce. Kriya was acquired by Allica Bank in October 2025.
url: https://raw.githubusercontent.com/api-evangelist/kriya/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cdn.kriya.co/images/KriyaPaymentsAPI-API-Integration-Sequence-Flow.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- northzone
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Payments
- Embedded Finance
- Buy Now Pay Later
- B2B Payments
- Invoice Finance
- Lending
- Working Capital
- Onboarding
- KYC
- United Kingdom
apis:
- aid: kriya:kriya-buyers-api
  name: Kriya Buyers API
  description: The Buyers API from Kriya — 6 operation(s) for buyers.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Buyers
  properties:
  - type: OpenAPI
    url: openapi/kriya-buyers-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-onboarding-api-api
  name: Kriya Onboarding API API
  description: The Onboarding API API from Kriya — 2 operation(s) for onboarding api.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Onboarding API
  properties:
  - type: OpenAPI
    url: openapi/kriya-onboarding-api-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-onboardingjourney-api
  name: Kriya OnboardingJourney API
  description: The OnboardingJourney API from Kriya — 1 operation(s) for onboardingjourney.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - OnboardingJourney
  properties:
  - type: OpenAPI
    url: openapi/kriya-onboardingjourney-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-orders-api
  name: Kriya Orders API
  description: The Orders API from Kriya — 7 operation(s) for orders.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/kriya-orders-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-payments-api
  name: Kriya Payments API
  description: The Payments API from Kriya — 3 operation(s) for payments.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/kriya-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
- aid: kriya:kriya-scenario-api
  name: Kriya Scenario API
  description: The Scenario API from Kriya — 1 operation(s) for scenario.
  humanURL: https://docs.kriya.co/payments
  baseURL: https://api.kriya.co/payments/
  tags:
  - Scenario
  properties:
  - type: OpenAPI
    url: openapi/kriya-scenario-api-openapi.yml
  - type: Documentation
    url: https://docs.kriya.co/payments
  - type: Documentation
    url: https://docs.kriya.co/onboarding
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/kriya-onboarding-overlay.yaml
- type: Website
  url: https://www.kriya.co
- type: DeveloperPortal
  url: https://docs.kriya.co/
- type: Documentation
  url: https://docs.kriya.co/payments
- type: APIReference
  url: https://docs.kriya.co/payments#section/API-Endpoints
- type: GettingStarted
  url: https://docs.kriya.co/payments#section/Integration-Scenarios
- type: Support
  url: https://www.kriya.co/contact-us
- type: Blog
  url: https://www.kriya.co/blog
- type: Login
  url: https://merchant.kriya.co/
- type: TermsOfService
  url: https://www.kriya.co/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.kriya.co/privacy-policy
- type: Security
  url: https://www.kriya.co/responsible-disclosure
- type: Authentication
  url: authentication/kriya-authentication.yml
- type: Conventions
  url: conventions/kriya-conventions.yml
- type: ErrorCatalog
  url: errors/kriya-problem-types.yml
- type: DeclineCodes
  url: errors/kriya-decline-codes.yml
- type: Lifecycle
  url: lifecycle/kriya-lifecycle.yml
- type: Conformance
  url: conformance/kriya-conformance.yml
- type: Webhooks
  url: asyncapi/kriya-payments-webhooks.yml
- type: Sandbox
  url: sandbox/kriya-sandbox.yml
- type: DataModel
  url: data-model/kriya-data-model.yml
- type: Components
  url: components/kriya-components.yml
- type: MCPServer
  url: mcp/kriya-mcp.yml
- type: LLMsTxt
  url: llms/kriya-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: VulnerabilityDisclosure
  url: security/kriya-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/kriya-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence