# Skeps

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

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.

## Kin Score — 8.1 / 100 (minimal)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 8.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

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

## Tags

Company, Consumer, Fintech, Embedded Finance, Lending, Point-of-Sale, Pay Over Time, Buy Now Pay Later, Payments

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