PayJoy

PayJoy is a fintech that provides financial access to underserved consumers in emerging markets through smartphone financing and a secured credit card that requires only a government ID. Its Partner Developer Portal exposes a REST Partner API (Sales Integration) so retail and OEM partners can integrate PayJoy point-of-sale financing: retrieve cart and sale information, list merchants and sales clerks, offer and process customer repayments, create and pay payment references, redeem and cancel vouchers, pay down payments, and pull transaction history for reconciliation. A separate E-commerce API supports online checkout and credit-application flows. Authentication is by API key; webhooks are HMAC-SHA256 signed. Founded 2015; backed by Greylock and Union Square Ventures.

PayJoy publishes 8 APIs on the APIs.io network, including Carts API, Down Payments API, Merchants API, and 5 more. Tagged areas include Company, Fintech, Payments, Lending, and Buy Now Pay Later.

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

PayJoy’s developer surface includes documentation, getting-started guide, support, signup flow, engineering blog, authentication, sandbox, and 17 more developer resources.

🌐 Visit website 📡 Source on GitHub

45.5/100 developing ▬ flat Agent 31/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Fintech Payments Lending Buy Now Pay Later Point-of-Sale Emerging Markets Financial Inclusion Partner API

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 45.5/100 · developing

Contract Quality 11.7 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 5.1 / 15

Operational Transparency 1.0 / 10

Contract Governance 0.4 / 9

Discoverability 5.7 / 8

Regulatory Posture 5.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 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 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

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/.

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 github.com/api-evangelist/payjoy: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

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

PayJoy E-commerce API

REST API for online checkout and credit-application flows: retrieve supported devices, begin a sale, and receive completion webhooks. Bearer-token authenticated plus a symmetric...

PayJoy Carts API

Retrieve cart information.

PayJoy Down Payments API

The Down Payments API from PayJoy — 1 operation(s) for down payments.

PayJoy Merchants API

Retrieve merchants information.

PayJoy Reconciliation API

The Reconciliation API from PayJoy — 1 operation(s) for reconciliation.

PayJoy Repayments API

The Repayments API from PayJoy — 3 operation(s) for repayments.

PayJoy SalesClerks API

Retrieve sales clerks information.

PayJoy Status API

Displays the status of the application.

PayJoy Vouchers API

Endpoints related to vouchers management

Scroll for all 9

Open Collections 9

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

API Collection

OPEN COLLECTION

PayJoy Partner API V2 Carts API

OPEN COLLECTION

PayJoy Partner API V2 Carts Down Payments API

OPEN COLLECTION

PayJoy Partner API V2 Carts Merchants API

OPEN COLLECTION

PayJoy Partner API V2 Carts Reconciliation API

OPEN COLLECTION

PayJoy Partner API V2 Carts Repayments API

OPEN COLLECTION

PayJoy Partner API V2 Carts SalesClerks API

OPEN COLLECTION

PayJoy Partner API V2 Carts Status API

OPEN COLLECTION

PayJoy Partner API V2 Carts Vouchers API

OPEN COLLECTION

Scroll for all 9

Event Specifications 1

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

Payjoy Webhooks

ASYNCAPI

Security Posture 2

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

Payjoy Authentication

apiKey/http · 2 schemes

SECURITY

Payjoy Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

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)

x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 18
  pass: local-v1
aid: payjoy
name: PayJoy
description: 'PayJoy is a fintech that provides financial access to underserved consumers in emerging markets through smartphone
  financing and a secured credit card that requires only a government ID. Its Partner Developer Portal exposes a REST Partner
  API (Sales Integration) so retail and OEM partners can integrate PayJoy point-of-sale financing: retrieve cart and sale
  information, list merchants and sales clerks, offer and process customer repayments, create and pay payment references,
  redeem and cancel vouchers, pay down payments, and pull transaction history for reconciliation. A separate E-commerce API
  supports online checkout and credit-application flows. Authentication is by API key; webhooks are HMAC-SHA256 signed. Founded
  2015; backed by Greylock and Union Square Ventures.'
url: https://raw.githubusercontent.com/api-evangelist/payjoy/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- greylock
- union-square-ventures
x-tier: stub
x-tier-reason: portfolio-lead
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
  generated: '2026-09-03'
  method: derived
image: https://avatars.githubusercontent.com/u/15761776?v=4
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Payments
- Lending
- Buy Now Pay Later
- Point-of-Sale
- Emerging Markets
- Financial Inclusion
- Partner API
tags_raw:
- Company
- Fintech
- Payments
- Lending
- Buy Now Pay Later
- Point of Sale
- Emerging Markets
- Financial Inclusion
- Partner API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- name: PayJoy E-commerce API
  description: 'REST API for online checkout and credit-application flows: retrieve supported devices, begin a sale, and receive
    completion webhooks. Bearer-token authenticated plus a symmetric E-commerce key for encrypting customer PII.'
  humanURL: https://developers.payjoy.com/ecommerce/e-commerce
  baseURL: https://payjoy.com/merchant/v3/e-commerce
  tags:
  - Payments
  - E-Commerce
  tags_raw:
  - Payments
  - Ecommerce
  properties:
  - type: Documentation
    url: https://developers.payjoy.com/ecommerce/e-commerce
  - type: APIReference
    url: https://developers.payjoy.com/ecommerce/api-reference/api-reference
- aid: payjoy:payjoy-carts-api
  name: PayJoy Carts API
  description: Retrieve cart information.
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - Cart
  tags_raw:
  - Carts
  properties:
  - type: OpenAPI
    url: openapi/payjoy-carts-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
- aid: payjoy:payjoy-down-payments-api
  name: PayJoy Down Payments API
  description: The Down Payments API from PayJoy — 1 operation(s) for down payments.
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - Down Payments
  properties:
  - type: OpenAPI
    url: openapi/payjoy-down-payments-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
- aid: payjoy:payjoy-merchants-api
  name: PayJoy Merchants API
  description: Retrieve merchants information.
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - Merchants
  properties:
  - type: OpenAPI
    url: openapi/payjoy-merchants-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
- aid: payjoy:payjoy-reconciliation-api
  name: PayJoy Reconciliation API
  description: The Reconciliation API from PayJoy — 1 operation(s) for reconciliation.
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - Reconciliation
  properties:
  - type: OpenAPI
    url: openapi/payjoy-reconciliation-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
- aid: payjoy:payjoy-repayments-api
  name: PayJoy Repayments API
  description: The Repayments API from PayJoy — 3 operation(s) for repayments.
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - Repayments
  properties:
  - type: OpenAPI
    url: openapi/payjoy-repayments-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
- aid: payjoy:payjoy-salesclerks-api
  name: PayJoy SalesClerks API
  description: Retrieve sales clerks information.
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - SalesClerks
  properties:
  - type: OpenAPI
    url: openapi/payjoy-salesclerks-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
- aid: payjoy:payjoy-status-api
  name: PayJoy Status API
  description: Displays the status of the application.
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - Status
  properties:
  - type: OpenAPI
    url: openapi/payjoy-status-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
- aid: payjoy:payjoy-vouchers-api
  name: PayJoy Vouchers API
  description: Endpoints related to vouchers management
  humanURL: https://developers.payjoy.com/sales-integration/sales-integration
  baseURL: https://partner-integration.sandbox.payjoy.com/partner-api
  tags:
  - Vouchers
  properties:
  - type: OpenAPI
    url: openapi/payjoy-vouchers-api-openapi.yml
  - type: APIReference
    url: https://developers.payjoy.com/sales-integration/api/api-reference
  - type: Documentation
    url: https://developers.payjoy.com/sales-integration/sales-integration
common:
- type: Overlay
  url: overlays/payjoy-partner-api-overlay.yaml
- type: Website
  url: https://www.payjoy.com/
- type: DeveloperPortal
  url: https://developers.payjoy.com/
- type: Documentation
  url: https://developers.payjoy.com/
- type: GettingStarted
  url: https://developers.payjoy.com/sales-integration/quickstart/quick-start-guide
- type: Support
  url: https://developers.payjoy.com/sales-integration/support/faq
- type: SignUp
  url: https://app.payjoy.com/admin-console/login
- type: Blog
  url: https://www.payjoy.com/blog
- type: TermsOfService
  url: https://www.payjoy.com/terms
- type: PrivacyPolicy
  url: https://www.payjoy.com/privacy
- type: GitHubOrganization
  url: https://github.com/payjoy
- type: LLMsTxt
  url: llms/payjoy-llms.txt
- type: Authentication
  url: authentication/payjoy-authentication.yml
- type: Conventions
  url: conventions/payjoy-conventions.yml
- type: Idempotency
  url: conventions/payjoy-conventions.yml
- type: ErrorCatalog
  url: errors/payjoy-problem-types.yml
- type: Lifecycle
  url: lifecycle/payjoy-lifecycle.yml
- type: Sandbox
  url: sandbox/payjoy-sandbox.yml
- type: Conformance
  url: conformance/payjoy-conformance.yml
- type: DataModel
  url: data-model/payjoy-data-model.yml
- type: Webhooks
  url: asyncapi/payjoy-webhooks.yml
- type: X-MCPServerCandidate
  url: mcp/payjoy-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: DomainSecurity
  url: security/payjoy-domain-security.yml

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/payjoy"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/payjoy/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/payjoy/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.