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

47.4/100 developing ▬ flat Agent 43/100 agent ready Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

AccessSelf serve

9 APIs 1 MCP Servers

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 2026-08-20 · rubric v0.12.0

Composite quality — 47.4/100 · developing

Contract Quality 13.8 / 21

Developer Ergonomics 10.0 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.7 / 10

Discoverability 6.9 / 9

Regulatory Posture 5.9 / 15

Agent readiness — 43/100 · 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

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/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.

MCP Servers 1

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

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

MCPServer

MCPServer

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
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: '0.23'
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: MCPServer
  url: mcp/payjoy-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/payjoy-domain-security.yml