# LayUp Technologies **Canonical:** https://apis.io/providers/layup-technologies/ **Website:** https://layup.co.za/ **APIs profiled:** 29 LayUp Technologies is a South African fintech that operates a lay-by / "Save Now, Buy Later" payment platform. Merchants use LayUp to let customers reserve goods with a deposit and pay the balance off in scheduled instalments (weekly or monthly) before taking delivery, avoiding credit and interest. The platform schedules payments, holds inventory, and settles merchants once orders complete. LayUp exposes a REST API (apikey header auth) covering merchants, orders, order amendments, payment plans, payments, cards, DebiCheck and debit order mandates, EFT, PayAt, invoices, settlements, and integrations for platforms such as Shopify, plus order and payment webhooks. It ships a first-party PHP SDK and a WooCommerce payment gateway plugin, and is a Techstars-backed company. ## Kin Score — 36.1 / 100 (thin) Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.1). | Facet | Score | |---|---| | Discoverability | 81.5 | | Contract Quality | 49.5 | | Governance | 16.7 | | Contract Governance | 16.7 | | Operational Transparency | 10.5 | | Developer Ergonomics | 58.9 | | Commercial Clarity | 6.6 | | Access Clarity | 6.6 | Regulatory layer — **Payments**: 26.6 (matched via tags). ## Agent readiness — 37.7 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | Reversibility Documented | documented | | MCP Server | no | | Auth Clarity | yes | | Idempotency | no | | Error Semantics | documented | | OpenAPI Examples | no | | 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 | ## Access Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium). ## APIs (29) - **LayUp Technologies AbsaDebiCheckService API** — The AbsaDebiCheckService API from LayUp Technologies — 2 operation(s) for absadebicheckservice. - **LayUp Technologies AbsaEftService API** — The AbsaEftService API from LayUp Technologies — 2 operation(s) for absaeftservice. - **LayUp Technologies authService API** — The authService API from LayUp Technologies — 6 operation(s) for authservice. - **LayUp Technologies BankService API** — The BankService API from LayUp Technologies — 2 operation(s) for bankservice. - **LayUp Technologies BankTransactionService API** — The BankTransactionService API from LayUp Technologies — 4 operation(s) for banktransactionservice. - **LayUp Technologies CardService API** — The CardService API from LayUp Technologies — 2 operation(s) for cardservice. - **LayUp Technologies ConnectorService API** — The ConnectorService API from LayUp Technologies — 1 operation(s) for connectorservice. - **LayUp Technologies DebiCheckService API** — The DebiCheckService API from LayUp Technologies — 5 operation(s) for debicheckservice. - **LayUp Technologies DebitOrderMandateService API** — The DebitOrderMandateService API from LayUp Technologies — 2 operation(s) for debitordermandateservice. - **LayUp Technologies IntegrationService API** — The IntegrationService API from LayUp Technologies — 1 operation(s) for integrationservice. - **LayUp Technologies InternationalMsisdnService API** — The InternationalMsisdnService API from LayUp Technologies — 2 operation(s) for internationalmsisdnservice. - **LayUp Technologies InvoicesService API** — The InvoicesService API from LayUp Technologies — 6 operation(s) for invoicesservice. - **LayUp Technologies JournalFeeService API** — The JournalFeeService API from LayUp Technologies — 1 operation(s) for journalfeeservice. - **LayUp Technologies JournalService API** — The JournalService API from LayUp Technologies — 1 operation(s) for journalservice. - **LayUp Technologies MerchantService API** — The MerchantService API from LayUp Technologies — 4 operation(s) for merchantservice. - **LayUp Technologies OrderAmendmentService API** — The OrderAmendmentService API from LayUp Technologies — 2 operation(s) for orderamendmentservice. - **LayUp Technologies OrderService API** — The OrderService API from LayUp Technologies — 7 operation(s) for orderservice. - **LayUp Technologies PayAtService API** — The PayAtService API from LayUp Technologies — 5 operation(s) for payatservice. - **LayUp Technologies PaymentPlanService API** — The PaymentPlanService API from LayUp Technologies — 7 operation(s) for paymentplanservice. - **LayUp Technologies PaymentProviderSettlementService API** — The PaymentProviderSettlementService API from LayUp Technologies — 3 operation(s) for paymentprovidersettlementservice. - **LayUp Technologies PaymentService API** — The PaymentService API from LayUp Technologies — 10 operation(s) for paymentservice. - **LayUp Technologies PaymentServiceV2 API** — The PaymentServiceV2 API from LayUp Technologies — 2 operation(s) for paymentservicev2. - **LayUp Technologies SettlementService API** — The SettlementService API from LayUp Technologies — 3 operation(s) for settlementservice. - **LayUp Technologies ShopifyService API** — The ShopifyService API from LayUp Technologies — 6 operation(s) for shopifyservice. - **LayUp Technologies TerminalPaymentAppsService API** — The TerminalPaymentAppsService API from LayUp Technologies — 1 operation(s) for terminalpaymentappsservice. - **LayUp Technologies TerminalService API** — The TerminalService API from LayUp Technologies — 3 operation(s) for terminalservice. - **LayUp Technologies TokenService API** — The TokenService API from LayUp Technologies — 1 operation(s) for tokenservice. - **LayUp Technologies UserService API** — The UserService API from LayUp Technologies — 2 operation(s) for userservice. - **LayUp Technologies VerifyService API** — The VerifyService API from LayUp Technologies — 1 operation(s) for verifyservice. ## MCP servers (1) - **LayUp Technologies MCP Server** ## Agentic access (1) - **Layup Technologies Agentic Access** — 119 operations · 74 acting · 1 human-in-the-loop ## Security (2) - **Layup Technologies Authentication** — apiKey · 1 scheme - **Layup Technologies Domain Security** — TLSv1.3 · DMARC ## Tags Payments, Lay-By, Save Now Buy Later, BNPL, Instalments, Fintech, South Africa, DebiCheck, E-Commerce, Merchants --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/layup-technologies/). Scores are computed from the provider's own public artifacts under a published rubric.