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 16 more developer resources.

🌐 Visit website 📡 Source on GitHub
49.8/100 developing ▬ flat Agent 65/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
9 APIs 1 MCP Servers
CompanyFintechPaymentsLendingBuy Now Pay LaterPoint of SaleEmerging MarketsFinancial InclusionPartner API

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 49.8/100 · developing
Contract Quality 17.0 / 25
Developer Ergonomics 13.5 / 20
Commercial Clarity 6.8 / 20
Operational Transparency 1.7 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 65/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 15
MCP Server 12 / 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
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/payjoy: 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 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

MCP Servers 1

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

payjoy-mcp.yml

MCP SERVER

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
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
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
 MCPServer
MCPServer
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
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

Source (apis.yml)

apis.yml Raw ↑ 
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
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://avatars.githubusercontent.com/u/15761776?v=4
specificationVersion: '0.20'
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
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
  - 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:
  - 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: 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: MCPServer
  url: mcp/payjoy-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/payjoy-domain-security.yml