# PreAuth (Instacash)

**Canonical:** https://apis.io/providers/preauth-instacash/  
**Website:** https://preauth.io  
**APIs profiled:** 1

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.

## Kin Score — 52.2 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 52.2).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 71.3 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 70.8 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 33.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **PreAuth (Instacash) Orders API** — Create and manage pre-authorization orders.

## MCP servers (1)

- **PreAuth (Instacash) MCP Server**

## Security (3)

- **Preauth Instacash Authentication** — apiKey · 1 scheme
- **Preauth Instacash Domain Security** — TLSv1.3 · HSTS · DMARC
- **Preauth Instacash Trust Center** — ISO 27001:2022, SOC 2 Type II

## Tags

Company, Payments, Payment Pre-Authorization, Payment Guarantees, Fintech, Latin America, Cards

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