Perpay

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.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
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: 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