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 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

8.1/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

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 2026-08-25 · rubric v0.14.0

Composite quality — 8.1/100 · 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 4.3 / 9

Regulatory Posture 3.3 / 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 Surface 0 / 5

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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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 2

The organization behind the API

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
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: '2026-07-21'
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:
- 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

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