Skeps

Skeps is a business-to-business embedded finance and pay-over-time platform that lets merchants and lenders offer point-of-sale financing directly inside their own websites, retail stores, and one-to-one sales channels. Built as a microservices platform, Skeps embeds banking and lending services into the buyer journey: its patented technology securely and in real time matches a customer to the best financing offer from a multi-lender network of national banks, credit unions, and fintech lenders, powering pre-approval, offer testing, and checkout financing. Skeps serves verticals including home improvement, retail, telecom, travel and hospitality, health and wellness, automotive, veterinary, financial institutions, and cobrand card programs. It operates an enterprise, request-a-demo sales model and is backed by Accel; this API Evangelist profile was enriched from its public web surface.

Skeps is profiled on the APIs.io network. Tagged areas include Company, Consumer, Fintech, Embedded Finance, and Lending.

Skeps’ developer surface includes engineering blog and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

8.5/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

0 APIs

Company Consumer Fintech Embedded Finance Lending Point-of-SalePay Over TimeBuy Now Pay Later Payments

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 8.5/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 1.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 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 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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

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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/skeps/"><img src="https://apis.io/badge/skeps/card.svg" alt="Skeps on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

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 github.com/api-evangelist/skeps: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

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

Skeps Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

BlogRSS

BlogRSS

Website

Website

Blog

Blog

Source (apis.yml)

aid: skeps
name: Skeps
description: 'Skeps is a business-to-business embedded finance and pay-over-time platform that lets merchants and lenders
  offer point-of-sale financing directly inside their own websites, retail stores, and one-to-one sales channels. Built as
  a microservices platform, Skeps embeds banking and lending services into the buyer journey: its patented technology securely
  and in real time matches a customer to the best financing offer from a multi-lender network of national banks, credit unions,
  and fintech lenders, powering pre-approval, offer testing, and checkout financing. Skeps serves verticals including home
  improvement, retail, telecom, travel and hospitality, health and wellness, automotive, veterinary, financial institutions,
  and cobrand card programs. It operates an enterprise, request-a-demo sales model and is backed by Accel; this API Evangelist
  profile was enriched from its public web surface.'
url: https://raw.githubusercontent.com/api-evangelist/skeps/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
image: https://www.skeps.com/hubfs/Favicon%20Final.svg
tags:
- Company
- Consumer
- Fintech
- Embedded Finance
- Lending
- Point-of-Sale
- Pay Over Time
- Buy Now Pay Later
- Payments
tags_raw:
- Company
- Consumer
- Fintech
- Embedded Finance
- Lending
- Point of Sale
- Pay Over Time
- Buy Now Pay Later
- Payments
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.skeps.com/blog/rss.xml
  type: BlogRSS
- type: DomainSecurity
  url: security/skeps-domain-security.yml
- type: WellKnown
  url: well-known/skeps-well-known.yml
- type: Website
  url: https://www.skeps.com/
- type: Blog
  url: https://www.skeps.com/blog
- type: TermsOfService
  url: https://www.skeps.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.skeps.com/privacy-notice
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 2
  pass: local-v1

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/skeps"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/skeps/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/skeps/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.