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 9 API contracts indexed on the APIs.io network, including Carts API, Down Payments API, Merchants API, and 6 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 and 1 Spectral governance ruleset.

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

🌐 Visit website 📡 Profile data on GitHub

44.9/100 developing ▬ flat Agent 32/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 4 Agent Skills

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 2026-11-06 · rubric v0.27.0

Composite quality — 44.9/100 · developing

Contract Quality 10.7 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 5.1 / 15

Operational Transparency 1.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 3.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 32/100 · 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

Pagination 0 / 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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<a href="https://apis.io/providers/payjoy/"><img src="https://apis.io/badge/payjoy/card.svg" alt="PayJoy on APIs.io — Kin Score by API Evangelist"></a>

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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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 34.2 — up to +13.2 composite points
Operational Transparency scores 10.5 — up to +11.6 composite points
Contract Quality scores 57.1 — up to +10.7 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/payjoy/apis.yml: open an issue on github.com/api-evangelist/payjoy 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
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 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 8

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

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 8

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

Look up a PayJoy cart / sale

AGENT SKILL

Process a customer repayment

AGENT SKILL

Reconcile PayJoy transactions

AGENT SKILL

Redeem or cancel a PayJoy voucher

AGENT SKILL

Event Specifications 1

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

Payjoy Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

PayJoy API Rules

63 rules · 58 errors 4 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Payjoy Partner Api Overlay

3 actions · update · payjoy-partner-api-openapi.yml

DERIVED

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-docs-platform: gitbook
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
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: '2026-11-06'
  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

PayJoy API — frequently asked questions

Does PayJoy have an API?

Yes. APIs.io lists 9 APIs from PayJoy, including PayJoy E-commerce API, PayJoy Carts API and PayJoy Down Payments API, and 6 more.

Is there an OpenAPI specification for the PayJoy API?

Yes. APIs.io indexes 8 OpenAPI specifications for PayJoy, each linked for download from this page.

How do I authenticate with the PayJoy API?

PayJoy uses bearer-token authentication (apiKey/http · 2 schemes). The details are profiled on APIs.io as Payjoy Authentication.

Is the PayJoy API ready for AI agents?

PayJoy has a Kin Score of 44.9 out of 100 (developing) and an Agent Readiness score of 31.7 (agent-ready), scored by API Evangelist on 2026-11-06.

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