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 is listed with 3 APIs on the APIs.io network. Tagged areas include Fintech, Buy Now Pay Later, Credit Building, Payroll Deduction, and Payments.

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

Perpay’s developer surface includes GitHub presence, engineering blog, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

21.8/100 emerging ▬ flat Agent 1/100 human only Front door AI 1/6 silent Heartbeat 2/100 dormant saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessFree

3 APIs

Fintech Buy Now Pay Later Credit BuildingPayroll DeductionPayments Consumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 21.8/100 · emerging

Contract Quality 1.4 / 21

Developer Ergonomics 2.8 / 17

Access Clarity 7.6 / 17

Operational Transparency 1.0 / 11

Contract Governance 0.0 / 10

Discoverability 6.1 / 9

Regulatory Posture 2.4 / 15

Agent readiness — 1/100 · 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 Well-Known Document 0 / 5

Pagination 5 / 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey) Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

12 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 6.7 — up to +23.3 composite points Ask about this →
Developer Ergonomics scores 16.7 — up to +16.7 composite points Ask about this →
Contract Governance scores 0.0 — up to +12.0 composite points Ask about this →

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.

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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/perpay/apis.yml: open an issue on github.com/api-evangelist/perpay 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
HCM and Payroll Marketplaces (ADP, Workday, UKG, Paylocity)	undeclared	-	-	-
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.

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.

Perpay API pricing

Not yet checked against Perpay's own pricing page. Compiled by API Evangelist on 2026-06-13 from www.perpay.com; confirm before you rely on a figure.

Plan	Price
Consumer Marketplace (Interest-Free) consumer	—

Plan details, limits and sources →

Rate limits

Default: see provider documentation varies

Compiled by API Evangelist, not yet checked against Perpay's documentation. Rate-limit details →

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

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Perpay

6 quoted statements, read from Perpay's own page on 2026-11-10.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Perpay

17 quoted statements, read from Perpay's own page on 2026-11-10.

PRIVACY

Compliance 1

Attestations the provider states (SOC 2, ISO 27001 and others), quoted from its own trust page. APIs.io verifies none of them.

Perpay

1 quoted statement, read from Perpay's own page on 2026-11-10.

COMPLIANCE

Eligibility 1

Who may sign up and where, quoted from its own terms.

Perpay

6 quoted statements, read from Perpay's own page on 2026-11-10.

ELIGIBILITY

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Perpay

2 quoted statements, read from Perpay's own page on 2026-11-10.

LICENSE

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

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 6

Pricing, plans, and the legal terms of use

TermsOfService

PrivacyPolicy

Plans

FinOps

UsageTerms

DataLicense

Company 4

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

BlogPosts

BlogPosts

Other 3

Properties that don't map to a standard resource type

DataProcessing

DataProcessing

Attestations

Attestations

Eligibility

Eligibility

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.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Free
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/perpay.png
tags:
- Fintech
- Buy Now Pay Later
- Credit Building
- Payroll Deduction
- Payments
- Consumer Finance
tags_raw:
- 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
  - Buy Now Pay Later
  tags_raw:
  - 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
- type: UsageTerms
  url: terms/perpay-terms-of-service.yml
- type: DataProcessing
  url: privacy/perpay-privacy-policy.yml
- type: Attestations
  url: compliance/perpay-compliance.yml
- type: Eligibility
  url: eligibility/perpay-eligibility.yml
- type: DataLicense
  url: data-license/perpay-data-license.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Perpay API — frequently asked questions

Does Perpay have an API?

Yes. APIs.io lists 3 APIs from Perpay, including Perpay Marketplace Checkout API, Perpay Payroll Direct-Deposit API and Perpay Credit Reporting API.

How much does the Perpay API cost?

APIs.io lists 1 pricing plan for Perpay, with each plan's price, limits and inclusions under Pricing on this page.

Is the Perpay API ready for AI agents?

Perpay has a Kin Score of 21.8 out of 100 (emerging) and an Agent Readiness score of 0.6 (human-only), scored by API Evangelist on 2026-11-13.

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