Payflex

Payflex is a South African Buy Now Pay Later (BNPL) platform that enables merchants to offer interest-free installment payment options to consumers. Shoppers can split purchases into up to four interest-free payments over six weeks, with the first payment made upfront. Payflex pays merchants the full purchase amount upfront (less a commission) and assumes all credit and fraud risk. The REST API supports hosted and embedded checkout flows, order lifecycle management, refunds, and merchant configuration retrieval.

Payflex publishes 4 API contracts indexed on the APIs.io network, including Authentication API, Configuration API, Orders API, and 1 more. Tagged areas include Buy Now Pay Later, Payments, Installments, South Africa, and Fintech.

The Payflex catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Payflex’s developer surface includes authentication, support, engineering blog, GitHub presence, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

35.9/100 thin ▬ flat Agent 34/100 agent ready Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 published contract

Buy Now Pay Later Payments Installments South Africa Fintech E-Commerce

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 35.9/100 · thin

Contract Quality 11.5 / 19

Developer Ergonomics 5.4 / 15

Access Clarity 3.9 / 15

Operational Transparency 0.5 / 10

Contract Governance 0.9 / 9

Discoverability 5.0 / 8

Regulatory Posture 3.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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

MCP Tool Quality 6 / 6

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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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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
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
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)
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks

6 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 26.3 — up to +14.7 composite points
Developer Ergonomics scores 35.7 — up to +12.9 composite points
Operational Transparency scores 5.3 — up to +12.3 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/payflex/apis.yml: open an issue on github.com/api-evangelist/payflex 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
African Payments (Nigeria, Kenya, South Africa, Ghana, WAEMU)	undeclared	-	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 4

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

Payflex Authentication API

OAuth2 client credentials token endpoint

Payflex Configuration API

Retrieve merchant payment limits and settings

Payflex Orders API

Create and manage BNPL payment orders

Payflex Refunds API

Initiate full or partial refunds on completed orders

Open Collections 4

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

Payflex Merchant Authentication API

OPEN COLLECTION

Payflex Merchant Authentication Configuration API

OPEN COLLECTION

Payflex Merchant Authentication Orders API

OPEN COLLECTION

Payflex Merchant Authentication Refunds API

OPEN COLLECTION

Payflex API pricing

Not yet checked against Payflex's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Standard Merchant	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

0 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Payflex

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

context Context

8 classes · 43 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Payflex — jsonschema rules

5 rules · 3 warnings 2 info

SPECTRAL

JSON Schema 5

Standalone JSON Schema definitions for this provider's data models.

Configuration Response

2 properties

JSON SCHEMA

Create Order Request

11 properties

JSON SCHEMA

Create Order Response

4 properties

JSON SCHEMA

Order Status Response

5 properties

JSON SCHEMA

Refund Request

4 properties

JSON SCHEMA

Examples 7

Example request and response payloads for these APIs.

Configuration Response

2 fields

EXAMPLE

Create Order Request

11 fields

EXAMPLE

Create Order Response

4 fields

EXAMPLE

Order Status Response

5 fields

EXAMPLE

Refund Request

4 fields

EXAMPLE

Token Request

4 fields

EXAMPLE

Token Response

3 fields

EXAMPLE

Scroll for all 7

Security Posture 2

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

Payflex Authentication

http · 1 scheme

SECURITY

Payflex Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Payflex Agentic Access

5 operations · 3 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

MerchantPortal

MerchantPortal

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 4

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

WooCommercePlugin

WooCommercePlugin

WooCommercePluginSource

WooCommercePluginSource

OpenCartExtension

OpenCartExtension

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 3

Properties that don't map to a standard resource type

MerchantHub

MerchantHub

MagentoModule

MagentoModule

PrestaShopModule

PrestaShopModule

Source (apis.yml)

name: Payflex
description: 'Payflex is a South African Buy Now Pay Later (BNPL) platform that enables merchants to offer interest-free installment
  payment options to consumers. Shoppers can split purchases into up to four interest-free payments over six weeks, with the
  first payment made upfront. Payflex pays merchants the full purchase amount upfront (less a commission) and assumes all
  credit and fraud risk. The REST API supports hosted and embedded checkout flows, order lifecycle management, refunds, and
  merchant configuration retrieval.

  '
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: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://payflex.co.za/wp-content/uploads/2021/06/payflex-logo.png
tags:
- Buy Now Pay Later
- Payments
- Installments
- South Africa
- Fintech
- E-Commerce
tags_raw:
- BNPL
- Buy Now Pay Later
- Payments
- Installments
- South Africa
- Fintech
- E-commerce
created: '2026-06-13'
modified: '2026-06-13'
url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- aid: payflex:payflex-authentication-api
  name: Payflex Authentication API
  description: OAuth2 client credentials token endpoint
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/payflex-authentication-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
- aid: payflex:payflex-configuration-api
  name: Payflex Configuration API
  description: Retrieve merchant payment limits and settings
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Configuration
  properties:
  - type: OpenAPI
    url: openapi/payflex-configuration-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
- aid: payflex:payflex-orders-api
  name: Payflex Orders API
  description: Create and manage BNPL payment orders
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/payflex-orders-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
- aid: payflex:payflex-refunds-api
  name: Payflex Refunds API
  description: Initiate full or partial refunds on completed orders
  humanURL: https://docs.payflex.co.za/
  baseURL: https://api.payflex.co.za
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/payflex-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.payflex.co.za/
  - type: GettingStarted
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Authentication
    url: https://docs.payflex.co.za/docs/getting-started
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/plans/plans.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/rate-limits/rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/payflex/refs/heads/main/finops/finops.yml
common:
- type: Plans
  url: plans/plans.yml
- type: RateLimits
  url: rate-limits/rate-limits.yml
- type: FinOps
  url: finops/finops.yml
- type: AgenticAccess
  url: agentic-access/payflex-agentic-access.yml
- type: DomainSecurity
  url: security/payflex-domain-security.yml
- type: Authentication
  url: authentication/payflex-authentication.yml
- type: Website
  url: https://payflex.co.za/
- type: MerchantPortal
  url: https://merchant.payflex.co.za/login
- type: MerchantHub
  url: https://payflex.co.za/merchant/
- type: Support
  url: https://payflex.co.za/support/
- type: TermsOfService
  url: https://payflex.co.za/terms-conditions/
- type: PrivacyPolicy
  url: https://payflex.co.za/privacy-policy/
- type: Blog
  url: https://payflex.co.za/merchant-hub/
- type: GitHub
  url: https://github.com/PayFlexSA
- type: WooCommercePlugin
  url: https://wordpress.org/plugins/payflex-payment-gateway/
- type: WooCommercePluginSource
  url: https://github.com/PayFlexSA/payflex-woocommerce-plugin
- type: MagentoModule
  url: https://github.com/PayFlexSA/payflex-magento-2-4-module
- type: OpenCartExtension
  url: https://github.com/PayFlexSA/payflex-opencart-4-extension
- type: PrestaShopModule
  url: https://github.com/PayFlexSA/payflex-prestashop-8-module
maintainers:
- FN: API Evangelist
  email: info@apievangelist.com
  url: https://apievangelist.com

Payflex API — frequently asked questions

Does Payflex have an API?

Yes. APIs.io lists 4 APIs from Payflex, including Payflex Authentication API, Payflex Configuration API and Payflex Orders API, and 1 more.

Is there an OpenAPI specification for the Payflex API?

Yes. APIs.io indexes 4 OpenAPI specifications for Payflex, each linked for download from this page.

How do I authenticate with the Payflex API?

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

How much does the Payflex API cost?

APIs.io lists 1 pricing plan for Payflex, with each plan's price, limits and inclusions under Pricing on this page.

Is the Payflex API ready for AI agents?

Payflex has a Kin Score of 35.9 out of 100 (thin) and an Agent Readiness score of 33.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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