Perpay website screenshot

Perpay

Perpay is a buy-now-pay-later and credit-building platform that lets consumers shop and pay via automatic payroll deductions. Its internal REST platform supports marketplace checkout, installment plan creation, payroll direct-deposit switching (via Pinwheel), identity and income verification, and credit-bureau reporting to Experian, TransUnion, and Equifax. Perpay operates a closed marketplace — third-party merchant checkout integration is not publicly available; API access is reserved for Perpay's own products and vetted partners.

Perpay publishes 3 APIs on the APIs.io network. Tagged areas include Fintech, BNPL, Buy Now Pay Later, Credit Building, and Payroll Deduction.

The Perpay catalog on APIs.io includes 1 JSON-LD context.

Perpay’s developer surface includes GitHub presence, engineering blog, and 12 more developer resources.

🌐 Visit website 📡 Source on GitHub
27.5/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-05 · rubric v0.9.1
AccessFree
3 APIs
FintechBNPLBuy Now Pay LaterCredit BuildingPayroll DeductionPaymentsConsumer Finance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-05 · rubric v0.9.1
Composite quality — 27.5/100 · emerging
Contract Quality 2.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 11.6 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 3/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 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
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/perpay: 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 3

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

Perpay Marketplace Checkout API

Internal REST API that powers checkout on the Perpay Marketplace. Handles product ordering, spending-limit enforcement, and installment plan creation for approved consumers. Acc...

Perpay Payroll Direct-Deposit API

REST integration layer built on Pinwheel's payroll connectivity API. Supports direct-deposit switching, income and employment verification, and real-time confirmation of paychec...

Perpay Credit Reporting API

Internal API that submits on-time payment history and spending-limit data to Experian, TransUnion, and Equifax for credit-building purposes. Governed by FCRA requirements.

Pricing Plans 1

Published pricing tiers and plan structures.

Perpay Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Perpay Rate Limits

1 limits

RATE LIMITS

FinOps 1

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

Perpay Finops

FINOPS

Semantic Vocabularies 1

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

Perpay Context

0 classes · 7 properties

JSON-LD

Security Posture 2

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

Perpay Domain Security

TLSv1.2 · HSTS · DMARC

SECURITY

Perpay Trust Center

SOC 2, ISO 27001, PCI DSS

SECURITY

Resources

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

JSONLDContext
JSONLDContext

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub
GitHub

Access & Security 2

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

HelpCenter
HelpCenter
 RateLimits
RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy
 Plans
Plans
 FinOps
FinOps

Company 4

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog
 BlogPosts
BlogPosts

Source (apis.yml)

apis.yml Raw ↑ 
aid: perpay
url: https://raw.githubusercontent.com/api-evangelist/perpay/refs/heads/main/apis.yml
name: Perpay
kind: company
description: Perpay is a buy-now-pay-later and credit-building platform that lets consumers shop and pay via automatic payroll
  deductions. Its internal REST platform supports marketplace checkout, installment plan creation, payroll direct-deposit
  switching (via Pinwheel), identity and income verification, and credit-bureau reporting to Experian, TransUnion, and Equifax.
  Perpay operates a closed marketplace — third-party merchant checkout integration is not publicly available; API access is
  reserved for Perpay's own products and vetted partners.
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/perpay.png
tags:
- Fintech
- BNPL
- Buy Now Pay Later
- Credit Building
- Payroll Deduction
- Payments
- Consumer Finance
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
apis:
- name: Perpay Marketplace Checkout API
  description: Internal REST API that powers checkout on the Perpay Marketplace. Handles product ordering, spending-limit
    enforcement, and installment plan creation for approved consumers. Access is limited to Perpay's own platform.
  humanURL: https://www.perpay.com
  baseURL: https://api.perpay.com
  tags:
  - Checkout
  - Marketplace
  - Installments
  - BNPL
  properties:
  - type: Documentation
    url: https://www.perpay.com
  - type: Plans
    url: plans/perpay-plans-pricing.yml
  - type: RateLimits
    url: rate-limits/perpay-rate-limits.yml
  - type: FinOps
    url: finops/perpay-finops.yml
- name: Perpay Payroll Direct-Deposit API
  description: REST integration layer built on Pinwheel's payroll connectivity API. Supports direct-deposit switching, income
    and employment verification, and real-time confirmation of paycheck routing updates for 1.5 M+ employer payroll platforms.
  humanURL: https://help.perpay.com/en/articles/11661160-how-perpay-uses-direct-deposit-for-payments
  baseURL: https://api.perpay.com
  tags:
  - Payroll
  - Direct Deposit
  - Income Verification
  - Employment Verification
  - Pinwheel
  properties:
  - type: Documentation
    url: https://help.perpay.com/en/articles/11661160-how-perpay-uses-direct-deposit-for-payments
- name: Perpay Credit Reporting API
  description: Internal API that submits on-time payment history and spending-limit data to Experian, TransUnion, and Equifax
    for credit-building purposes. Governed by FCRA requirements.
  humanURL: https://help.perpay.com/en/articles/450206-how-perpay-works
  baseURL: https://api.perpay.com
  tags:
  - Credit Building
  - Credit Bureau
  - Experian
  - TransUnion
  - Equifax
  - FCRA
  properties:
  - type: Documentation
    url: https://help.perpay.com/en/articles/450206-how-perpay-works
common:
- type: TrustCenter
  url: security/perpay-trust-center.yml
- type: DomainSecurity
  url: security/perpay-domain-security.yml
- type: Website
  url: https://www.perpay.com
- type: HelpCenter
  url: https://help.perpay.com/en/
- type: GitHub
  url: https://github.com/Perpay
- type: LinkedIn
  url: https://www.linkedin.com/company/perpay
- type: TermsOfService
  url: https://perpay.com/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://perpay.com/legal/privacy-policy
- type: Plans
  url: plans/perpay-plans-pricing.yml
- type: RateLimits
  url: rate-limits/perpay-rate-limits.yml
- type: FinOps
  url: finops/perpay-finops.yml
- type: Blog
  url: https://blog.perpay.com/
- type: BlogPosts
  url: blogs/blogs.json
- type: JSONLDContext
  url: json-ld/perpay-context.jsonld
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com