Qliro

Qliro provides flexible payment solutions for online and in‑store shoppers and merchants across Scandinavia. It offers “Buy now, pay later”, installment plans, and a consumer‑focused app, supporting multiple languages and currencies. The platform emphasizes secure, fast checkout experiences and integrates with e‑commerce merchants to boost conversion.

Qliro is listed with 7 APIs on the APIs.io network, including Backwards Compatibility Check API, Credit Check Information API, In Store API, and 4 more. Tagged areas include Company, Payments, Fintech, Buy Now Pay Later, and E-Commerce.

The Qliro catalog on APIs.io includes 1 Spectral governance ruleset.

Qliro’s developer surface includes pricing, documentation, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

25.1/100 emerging ▼ -7.0 Agent 23/100 agent aware Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

7 APIs

Company Payments Fintech Buy Now Pay Later E-Commerce

Kin Score

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

Composite quality — 25.1/100 · emerging

Contract Quality 8.3 / 19

Developer Ergonomics 1.4 / 15

Access Clarity 2.4 / 15

Operational Transparency 2.1 / 10

Contract Governance 1.2 / 9

Discoverability 5.2 / 8

Regulatory Posture 1.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 23/100 · agent aware

Machine-Readable Contract 18 / 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 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 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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<a href="https://apis.io/providers/qliro/"><img src="https://apis.io/badge/qliro/card.svg" alt="Qliro on APIs.io — Kin Score by API Evangelist"></a>

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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
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)
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)

10 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 9.5 — up to +18.1 composite points
Access Clarity scores 15.8 — up to +16.8 composite points
Contract Quality scores 44.0 — up to +14.0 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/qliro/apis.yml: open an issue on github.com/api-evangelist/qliro 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 7

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

Qliro Backwards Compatibility Check API

The BackwardsCompatibilityCheck API from Qliro — 1 operation(s) for backwardscompatibilitycheck.

Qliro Credit Check Information API

The CreditCheckInformation API from Qliro — 1 operation(s) for creditcheckinformation.

Qliro In Store API

The InStore API from Qliro — 2 operation(s) for instore.

Qliro Merchant Credit Card API

The MerchantCreditCard API from Qliro — 2 operation(s) for merchantcreditcard.

Qliro Payment Options API

The PaymentOptions API from Qliro — 1 operation(s) for paymentoptions.

Qliro Payment Widget API

The PaymentWidget API from Qliro — 2 operation(s) for paymentwidget.

Qliro Upsell API

The Upsell API from Qliro — 1 operation(s) for upsell.

Scroll for all 7

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Qliro API Rules

41 rules · 33 errors 4 warnings 4 info

SPECTRAL

Security Posture 1

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

Qliro Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

SecurityTxt

SecurityTxt

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: qliro
name: Qliro
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: none
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://qliro.com/hubfs/Feature_B2CHomepage.png
description: Qliro provides flexible payment solutions for online and in‑store shoppers and merchants across Scandinavia.
  It offers “Buy now, pay later”, installment plans, and a consumer‑focused app, supporting multiple languages and currencies.
  The platform emphasizes secure, fast checkout experiences and integrates with e‑commerce merchants to boost conversion.
url: https://raw.githubusercontent.com/api-evangelist/qliro/refs/heads/main/apis.yml
x-type: company
x-source: harvest:stockholm-trip
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-15 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-15'
modified: '2026-10-15'
tags:
- Company
- Payments
- Fintech
- Buy Now Pay Later
- E-Commerce
tags_raw:
- Company
- Payments
- FinTech
- BuyNowPayLater
- ECommerce
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: LLMsTxt
  url: llms/qliro-llms.txt
- type: SecurityTxt
  url: well-known/qliro-status-security.txt
- type: SecurityTxt
  url: well-known/qliro-se-support-security.txt
- type: WellKnown
  url: well-known/qliro-well-known.yml
- type: Hosts
  url: hosts/qliro-hosts.yml
- type: Vendors
  url: vendors/qliro-vendors.yml
- type: StatusPage
  url: https://status.qliro.com/
- type: Pricing
  url: https://qliro.com/composable-payouts/price-list-for-currency-conversion-and-currencies
- type: GitHubOrganization
  url: https://github.com/Qliro
- type: DeveloperPortal
  url: https://developers.qliro.com/
- type: DomainSecurity
  url: security/qliro-domain-security.yml
- type: Website
  url: https://qliro.com/
- type: Documentation
  url: https://qliro.com/for-merchants
- type: PrivacyPolicy
  url: https://qliro.com/hubfs/New%20website%20-%20Privacy%20policy/Privacy%20Policy%20-%20Qliro.pdf
- type: TermsOfService
  url: https://qliro.com/sv/for-shoppare-villkor
apis:
- aid: qliro:qliro-backwardscompatibilitycheck-api
  name: Qliro Backwards Compatibility Check API
  description: The BackwardsCompatibilityCheck API from Qliro — 1 operation(s) for backwardscompatibilitycheck.
  baseURL: https://pago.qit.nu/checkout/merchantapi
  tags:
  - BackwardsCompatibilityCheck
  properties:
  - type: OpenAPI
    url: openapi/qliro-backwardscompatibilitycheck-api-openapi.yml
- aid: qliro:qliro-creditcheckinformation-api
  name: Qliro Credit Check Information API
  description: The CreditCheckInformation API from Qliro — 1 operation(s) for creditcheckinformation.
  baseURL: https://pago.qit.nu/checkout/merchantapi
  tags:
  - CreditCheckInformation
  properties:
  - type: OpenAPI
    url: openapi/qliro-creditcheckinformation-api-openapi.yml
- aid: qliro:qliro-instore-api
  name: Qliro In Store API
  description: The InStore API from Qliro — 2 operation(s) for instore.
  baseURL: https://pago.qit.nu/checkout/merchantapi
  tags:
  - In-Store
  tags_raw:
  - InStore
  properties:
  - type: OpenAPI
    url: openapi/qliro-instore-api-openapi.yml
- aid: qliro:qliro-merchantcreditcard-api
  name: Qliro Merchant Credit Card API
  description: The MerchantCreditCard API from Qliro — 2 operation(s) for merchantcreditcard.
  baseURL: https://pago.qit.nu/checkout/merchantapi
  tags:
  - MerchantCreditCard
  properties:
  - type: OpenAPI
    url: openapi/qliro-merchantcreditcard-api-openapi.yml
- aid: qliro:qliro-paymentoptions-api
  name: Qliro Payment Options API
  description: The PaymentOptions API from Qliro — 1 operation(s) for paymentoptions.
  baseURL: https://pago.qit.nu/checkout/merchantapi
  tags:
  - Payment Options
  tags_raw:
  - PaymentOptions
  properties:
  - type: OpenAPI
    url: openapi/qliro-paymentoptions-api-openapi.yml
- aid: qliro:qliro-paymentwidget-api
  name: Qliro Payment Widget API
  description: The PaymentWidget API from Qliro — 2 operation(s) for paymentwidget.
  baseURL: https://pago.qit.nu/checkout/merchantapi
  tags:
  - PaymentWidget
  properties:
  - type: OpenAPI
    url: openapi/qliro-paymentwidget-api-openapi.yml
- aid: qliro:qliro-upsell-api
  name: Qliro Upsell API
  description: The Upsell API from Qliro — 1 operation(s) for upsell.
  baseURL: https://pago.qit.nu/checkout/merchantapi
  tags:
  - Upsell
  properties:
  - type: OpenAPI
    url: openapi/qliro-upsell-api-openapi.yml
x-coverage:
  state: none
  reason: no-developer-program
  method: derived
  generated: '2026-10-15'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company publishes no developer documentation host and no machine-readable contract on its own domain
  evidence:
  - url: https://qliro.com/mcp
    status: 403
  - url: https://assets.qliro.com/mcp
    status: 403
  - url: https://qliro.com/
    status: 200
x-enrichment:
  date: '2026-10-15'
  status: enriched
  artifacts_added: 11
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Qliro API — frequently asked questions

Does Qliro have an API?

Yes. APIs.io lists 7 APIs from Qliro, including Qliro Backwards Compatibility Check API, Qliro Credit Check Information API and Qliro In Store API, and 4 more.

Is there an OpenAPI specification for the Qliro API?

Yes. APIs.io indexes 7 OpenAPI specifications for Qliro, each linked for download from this page.

Is the Qliro API ready for AI agents?

Qliro has a Kin Score of 25.1 out of 100 (emerging) and an Agent Readiness score of 23.2 (agent-aware), scored by API Evangelist on 2026-11-06.

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