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

26.3/100 thin ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessFree

3 APIs

Fintech BNPL Buy Now Pay Later Credit BuildingPayroll DeductionPayments Consumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 26.3/100 · thin

Contract Quality 1.4 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 9.8 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 5.6 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 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.

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/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.

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.

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

PrivacyPolicy

Plans

FinOps

Company 4

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

BlogPosts

BlogPosts

Source (apis.yml)

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: '0.23'
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

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/perpay"

All providers

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

Every operation they expose

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

How their score was established

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

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

Get an API key

Free tier, no email required.

GitHub Google LinkedIn

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

Perpay

Kin Score

APIs 3

Perpay Marketplace Checkout API

Perpay Payroll Direct-Deposit API

Perpay Credit Reporting API

Pricing Plans 1

Perpay Plans Pricing

Rate Limits 1

Perpay Rate Limits

FinOps 1

Perpay Finops

Semantic Vocabularies 1

Perpay Context

Security Posture 2

Perpay Domain Security

Perpay Trust Center

Resources