PreAuth (Instacash)

Preauth is a Latin American fintech (the payment-guarantee product associated with the Instacash / Reevalúa lineage, surfaced via 500 Global) that lets businesses take and manage payment guarantees through card pre-authorization. A merchant creates an order via the REST API, the buyer's card is pre-authorized (funds reserved) through the hosted Preauth widget, and the merchant can later capture all or part of the reserved amount, update it, cancel it to release the hold, or run a card liveness check. It operates across Chile, Colombia, Mexico, Peru, and Argentina and integrates with Izipay, Kushki, dLocal, Stripe, Mercadopago, and Conekta as payment processors. Authentication is a per-request x-auth-token API key, and order lifecycle events are delivered by webhooks.

PreAuth (Instacash) publishes 1 API contract indexed on the APIs.io network: Orders API. Tagged areas include Company, Payments, Payment Pre-Authorization, Payment Guarantees, and Fintech.

The PreAuth (Instacash) catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

PreAuth (Instacash)’s developer surface includes documentation, API reference, getting-started guide, support, signup flow, authentication, sandbox, and 19 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.9/100 thin ▬ flat Agent 27/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 published contract 2 Agent Skills

Company PaymentsPayment Pre-AuthorizationPayment GuaranteesFintech Latin America Cards

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 38.9/100 · thin

Contract Quality 4.8 / 19

Developer Ergonomics 10.6 / 15

Access Clarity 4.3 / 15

Operational Transparency 0.8 / 10

Contract Governance 2.9 / 9

Discoverability 5.5 / 8

Regulatory Posture 4.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% 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):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

7 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 25.7 — up to +18.6 composite points
Access Clarity scores 28.9 — up to +14.2 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points

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.

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/preauth-instacash/apis.yml: open an issue on github.com/api-evangelist/preauth-instacash 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 →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 1

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

PreAuth (Instacash) Orders API

Create and manage pre-authorization orders.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Preauth Orders API

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

preauth-capture-order

AGENT SKILL

preauth-create-preauthorization

AGENT SKILL

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Preauth Webhooks

Preauth delivers order lifecycle notifications as HTTP POST requests to a URL the merchant configures in the developer panel (https://dashboard.preauth.io/panel/devs). Faithfull...

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

PreAuth (Instacash) API Rules

58 rules · 56 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Preauth Instacash Orders Overlay

3 actions · update · preauth-instacash-orders-openapi.yml

DERIVED

Security Posture 3

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

Preauth Instacash Authentication

apiKey · 1 scheme

SECURITY

Preauth Instacash Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Preauth Instacash Trust Center

ISO 27001:2022, SOC 2 Type II

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

AgentSkill

LLMsTxt

WellKnown

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Components

Webhooks

Conventions

ErrorCatalog

Lifecycle

DataModel

Conformance

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

Authentication

Compliance

TrustCenter

Operate 1

Status, limits, changes, and where to get help

Support

Support

Company 1

The organization behind the API

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: preauth-instacash
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/preauth-instacash.png
name: PreAuth (Instacash)
description: Preauth is a Latin American fintech (the payment-guarantee product associated with the Instacash / Reevalúa lineage,
  surfaced via 500 Global) that lets businesses take and manage payment guarantees through card pre-authorization. A merchant
  creates an order via the REST API, the buyer's card is pre-authorized (funds reserved) through the hosted Preauth widget,
  and the merchant can later capture all or part of the reserved amount, update it, cancel it to release the hold, or run
  a card liveness check. It operates across Chile, Colombia, Mexico, Peru, and Argentina and integrates with Izipay, Kushki,
  dLocal, Stripe, Mercadopago, and Conekta as payment processors. Authentication is a per-request x-auth-token API key, and
  order lifecycle events are delivered by webhooks.
url: https://raw.githubusercontent.com/api-evangelist/preauth-instacash/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
x-docs-platform: gitbook
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 20
  pass: local-v1
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Payments
- Payment Pre-Authorization
- Payment Guarantees
- Fintech
- Latin America
- Cards
apis:
- aid: preauth-instacash:preauth-instacash-orders-api
  name: PreAuth (Instacash) Orders API
  description: Create and manage pre-authorization orders.
  humanURL: https://docs.preauth.io/api-rest
  baseURL: https://api.preauth.io/v1
  tags:
  - Order
  tags_raw:
  - Orders
  properties:
  - type: OpenAPI
    url: openapi/preauth-instacash-orders-api-openapi.yml
  - type: AsyncAPI
    url: asyncapi/preauth-instacash-webhooks-asyncapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/preauth-instacash-orders-overlay.yaml
- type: DomainSecurity
  url: security/preauth-instacash-domain-security.yml
- type: Website
  url: https://preauth.io
- type: DeveloperPortal
  url: https://dashboard.preauth.io/
- type: Documentation
  url: https://docs.preauth.io/
- type: APIReference
  url: https://docs.preauth.io/api-rest
- type: GettingStarted
  url: https://docs.preauth.io/primeros-pasos
- type: Support
  url: https://join.slack.com/t/preauth-soporte/shared_invite/zt-18pzujyy8-F6cZBsHmZ_5OZFd16fnnWw
- type: SignUp
  url: https://dashboard.preauth.io/register
- type: Authentication
  url: authentication/preauth-instacash-authentication.yml
- type: Packages
  url: packages/preauth-instacash-packages.yml
- type: SDKs
  url: packages/preauth-instacash-packages.yml
- type: Components
  url: components/preauth-instacash-components.yml
- type: Sandbox
  url: sandbox/preauth-instacash-sandbox.yml
- type: X-MCPServerCandidate
  url: mcp/preauth-instacash-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/preauth-instacash-llms.txt
- type: Webhooks
  url: asyncapi/preauth-instacash-webhooks-asyncapi.yml
- type: Conventions
  url: conventions/preauth-instacash-conventions.yml
- type: ErrorCatalog
  url: errors/preauth-instacash-error-codes.yml
- type: Lifecycle
  url: lifecycle/preauth-instacash-lifecycle.yml
- type: DataModel
  url: data-model/preauth-instacash-data-model.yml
- type: Conformance
  url: conformance/preauth-instacash-conformance.yml
- type: Compliance
  url: security/preauth-instacash-trust-center.yml
- type: TrustCenter
  url: security/preauth-instacash-trust-center.yml
- type: WellKnown
  url: well-known/preauth-instacash-well-known.yml

PreAuth (Instacash) API — frequently asked questions

Does PreAuth (Instacash) have an API?

Yes. APIs.io lists 1 API from PreAuth (Instacash), including PreAuth (Instacash) Orders API.

Is there an OpenAPI specification for the PreAuth (Instacash) API?

Yes. APIs.io indexes 1 OpenAPI specification for PreAuth (Instacash), each linked for download from this page.

How do I authenticate with the PreAuth (Instacash) API?

PreAuth (Instacash) uses bearer-token authentication (apiKey · 1 scheme). The details are profiled on APIs.io as Preauth Instacash Authentication.

Is the PreAuth (Instacash) API ready for AI agents?

PreAuth (Instacash) has a Kin Score of 38.9 out of 100 (thin) and an Agent Readiness score of 26.9 (agent-aware), scored by API Evangelist on 2026-11-06.

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