# Settle

**Canonical:** https://apis.io/providers/settle/  
**Website:** https://www.settle.com  
**APIs profiled:** 0

Settle is a financial operations platform built for consumer packaged goods (CPG) brands and ecommerce companies, unifying procurement, accounts payable automation, and working capital financing in one back office. Teams create and manage purchase orders, track goods received and true landed costs, collect and approve bills, pay vendors with real-time visibility, and access flexible inventory and growth financing ($20K-$15M) underwritten from payables and purchasing data. Founded in 2019 and backed by Ribbit Capital, Kleiner Perkins, and Founders Fund, Settle has funded more than $3 billion to brands. A developer API covering bill pay, payments, and landed-cost data is in early access via a public waitlist.

## Kin Score — 15.7 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 15.7).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (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 | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Requires approval — onboarding: approval, pricing: unknown, trial: no (confidence: medium).

## Security (1)

- **Settle Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Payments, Accounts Payable, Procurement, Working Capital, Bill Pay, CPG, E-Commerce, Financing

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