# Perpay

**Canonical:** https://apis.io/providers/perpay/  
**Website:** https://www.perpay.com  
**APIs profiled:** 3

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.

## Kin Score — 26.3 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 26.3).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 6.7 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 57.9 |
| Access Clarity | 57.9 |

Regulatory layer — **Payments**: 37.5 (matched via tags).

## Agent readiness — 2.5 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Free — onboarding: unknown, pricing: free, trial: no (confidence: medium).

## APIs (3)

- **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.

## Security (2)

- **Perpay Domain Security** — TLSv1.2 · HSTS · DMARC
- **Perpay Trust Center** — SOC 2, ISO 27001, PCI DSS

## Plans (1)

- **Perpay Plans Pricing**

## Tags

Fintech, BNPL, Buy Now Pay Later, Credit Building, Payroll Deduction, Payments, Consumer Finance

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/perpay/). Scores are computed from the provider's own public artifacts under a published rubric.