Sunbit website screenshot

Sunbit

Sunbit is a Los Angeles based financial technology company that builds point-of-sale buy now, pay-over-time financing for everyday needs — auto service and dealerships, dental, eyewear, veterinary, med spa, home services, and general retail. Merchants and SaaS platforms integrate Sunbit through a partner API and a hosted JavaScript SDK covering four products: Pre-Qualification (send a customer a no-hard-credit-check qualification link), Sunbit Estimate (an "As Low As" monthly payment shown on a price, estimate or invoice), Checkout (Sunbit added as a payment method via a tokenized server-to-server flow and a modal), and Text to Pay-Over-Time (an SMS payment link). The platform also exposes merchant onboarding, transaction lookup, void and partial refund, reporting, and HMAC-SHA256 signed webhooks. Loans are originated through regulated bank partners.

Sunbit publishes 2 APIs on the APIs.io network. Tagged areas include Buy Now Pay Later, point-of-sale-financing, Consumer Lending, Payments, and Fintech.

The Sunbit catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Sunbit’s developer surface includes documentation, API reference, getting-started guide, engineering blog, support, signup flow, pricing, and 23 more developer resources.

🌐 Visit website 📡 Source on GitHub
47.0/100 developing ▬ flat Agent 26/100 agent aware Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0
2 APIs
Buy Now Pay Laterpoint-of-sale-financingConsumer LendingPaymentsFintechCheckoutMerchant OnboardingWebhookAutomotiveDentalVeterinaryEyewearHealthcare FinancingEmbedded Finance

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0
Composite quality — 47.0/100 · developing
Contract Quality 9.1 / 21
Developer Ergonomics 10.8 / 17
Access Clarity 7.6 / 17
Operational Transparency 3.2 / 11
Contract Governance 0.5 / 10
Discoverability 6.8 / 9
Regulatory Posture 7.3 / 15
Agent readiness — 26/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 3 / 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/sunbit: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

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

Sunbit Partner API

Server-to-server REST API for Sunbit partners and SaaS platforms. Covers pre-qualification links, "As Low As" payment estimation, Text to Pay-Over-Time SMS links, checkout trans...

Sunbit JavaScript SDK

Hosted, asynchronously loaded browser SDK (the SUNBIT global) that renders Sunbit's client-side surfaces: the "As Low As" estimate text element and disclaimer, the check-financi...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Sunbit Webhooks

ASYNCAPI

Security Posture 3

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

Sunbit Authentication

apiKey/http · 4 schemes

SECURITY

Sunbit Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Sunbit Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 Webhooks
Webhooks
 Components
Components
 DataModel
DataModel
 Conformance
Conformance
 Lifecycle
Lifecycle

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

Packages
Packages
 SDKs
SDKs

Access & Security 5

Authentication, authorization, and security posture

Authentication
Authentication
 SecurityTxt
SecurityTxt
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: sunbit
name: Sunbit
description: 'Sunbit is a Los Angeles based financial technology company that builds point-of-sale buy now, pay-over-time
  financing for everyday needs — auto service and dealerships, dental, eyewear, veterinary, med spa, home services, and general
  retail. Merchants and SaaS platforms integrate Sunbit through a partner API and a hosted JavaScript SDK covering four products:
  Pre-Qualification (send a customer a no-hard-credit-check qualification link), Sunbit Estimate (an "As Low As" monthly payment
  shown on a price, estimate or invoice), Checkout (Sunbit added as a payment method via a tokenized server-to-server flow
  and a modal), and Text to Pay-Over-Time (an SMS payment link). The platform also exposes merchant onboarding, transaction
  lookup, void and partial refund, reporting, and HMAC-SHA256 signed webhooks. Loans are originated through regulated bank
  partners.'
url: https://raw.githubusercontent.com/api-evangelist/sunbit/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment
specificationVersion: '0.23'
created: '2026-07-31'
modified: '2026-07-31'
image: https://sunbit.com/wp-content/uploads/2021/06/sunbit-logo.png
tags:
- Buy Now Pay Later
- point-of-sale-financing
- Consumer Lending
- Payments
- Fintech
- Checkout
- Merchant Onboarding
- Webhook
- Automotive
- Dental
- Veterinary
- Eyewear
- Healthcare Financing
- Embedded Finance
tags_raw:
- buy-now-pay-later
- point-of-sale-financing
- consumer-lending
- payments
- fintech
- checkout
- merchant-onboarding
- webhooks
- automotive
- dental
- veterinary
- eyewear
- healthcare-financing
- embedded-finance
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-backed-by:
- starting-line-vc
x-enrichment:
  date: '2026-07-31'
  status: enriched
  artifacts_added: 21
  pass: local-v1
apis:
- name: Sunbit Partner API
  description: Server-to-server REST API for Sunbit partners and SaaS platforms. Covers pre-qualification links, "As Low As"
    payment estimation, Text to Pay-Over-Time SMS links, checkout transaction initialization and validation, transaction void
    and partial refund, merchant location onboarding and status, embedded partner-dashboard login links, and transaction/offer
    reporting. Authentication is a paired `sunbit-key` / `sunbit-secret` header credential, with some endpoints additionally
    restricted by IP allowlist. Sandbox host is api-sandbox.sunbit.com; production is api.sunbit.com.
  humanURL: https://docs.sunbit.com/docs/overview/overview
  baseURL: https://api.sunbit.com/
  tags:
  - Buy Now Pay Later
  - point-of-sale-financing
  - Payments
  - Checkout
  - Merchant Onboarding
  - Reporting
  tags_raw:
  - buy-now-pay-later
  - point-of-sale-financing
  - payments
  - checkout
  - merchant-onboarding
  - reporting
  properties:
  - type: Documentation
    url: https://docs.sunbit.com/docs/overview/overview
  - type: APIReference
    url: https://docs.sunbit.com/docs/api-integrations/sunbit-pre-qualification
  - type: GettingStarted
    url: https://docs.sunbit.com/docs/overview/getting-started
  - type: Authentication
    url: authentication/sunbit-authentication.yml
  - type: Conventions
    url: conventions/sunbit-conventions.yml
  - type: ErrorCatalog
    url: errors/sunbit-problem-types.yml
  - type: Webhooks
    url: asyncapi/sunbit-webhooks.yml
  - type: Sandbox
    url: sandbox/sunbit-sandbox.yml
  - type: DataModel
    url: data-model/sunbit-data-model.yml
  - type: Conformance
    url: conformance/sunbit-conformance.yml
- name: Sunbit JavaScript SDK
  description: 'Hosted, asynchronously loaded browser SDK (the SUNBIT global) that renders Sunbit''s client-side surfaces:
    the "As Low As" estimate text element and disclaimer, the check-financing-options link, the Checkout button element and
    hosted checkout modal, and the Payment Path module. Loaded from static.sunbit.com rather than a package registry, and
    initialized with a publishable sunbitKey plus a SANDBOX / DEMO / PROD mode.'
  humanURL: https://docs.sunbit.com/docs/sdk-integrations/sunbit-checkout-sdk
  baseURL: https://static.sunbit.com/sdk/sunbit-sdk.js
  tags:
  - JavaScript SDK
  - Checkout
  - Embedded Components
  tags_raw:
  - javascript-sdk
  - checkout
  - embedded-components
  properties:
  - type: Documentation
    url: https://docs.sunbit.com/docs/sdk-integrations/sunbit-checkout-sdk
  - type: Components
    url: components/sunbit-components.yml
  - type: Packages
    url: packages/sunbit-packages.yml
common:
- type: Website
  url: https://sunbit.com/
- type: DeveloperPortal
  url: https://developers.sunbit.com/
- type: Documentation
  url: https://docs.sunbit.com/docs/overview/overview
- type: APIReference
  url: https://docs.sunbit.com/docs/api-integrations/sunbit-pre-qualification
- type: GettingStarted
  url: https://docs.sunbit.com/docs/overview/getting-started
- type: Blog
  url: https://sunbit.com/knowledge-center/
- type: Support
  url: https://sunbit.com/contact-us/
- type: SignUp
  url: https://sunbit.com/im-a-merchant/become-a-partner/
- type: Pricing
  url: https://sunbit.com/rates_and_terms/
- type: TermsOfService
  url: https://sunbit.com/terms-of-use/
- type: PrivacyPolicy
  url: https://sunbit.com/consumer_privacy/
- type: StatusPage
  url: https://status.sunbit.com/
- type: Integrations
  url: https://sunbit.com/integration-partners/
- type: Authentication
  url: authentication/sunbit-authentication.yml
- type: Conventions
  url: conventions/sunbit-conventions.yml
- type: ErrorCatalog
  url: errors/sunbit-problem-types.yml
- type: Webhooks
  url: asyncapi/sunbit-webhooks.yml
- type: Sandbox
  url: sandbox/sunbit-sandbox.yml
- type: Components
  url: components/sunbit-components.yml
- type: Packages
  url: packages/sunbit-packages.yml
- type: SDKs
  url: packages/sunbit-packages.yml
- type: DataModel
  url: data-model/sunbit-data-model.yml
- type: Conformance
  url: conformance/sunbit-conformance.yml
- type: Lifecycle
  url: lifecycle/sunbit-lifecycle.yml
- type: WellKnown
  url: well-known/sunbit-well-known.yml
- type: SecurityTxt
  url: well-known/sunbit-security.txt
- type: VulnerabilityDisclosure
  url: security/sunbit-vulnerability-disclosure.yml
- type: Security
  url: https://sunbit.com/.well-known/security.txt
- type: DomainSecurity
  url: security/sunbit-domain-security.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/sunbit-llms.txt

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